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首页> 外文期刊>International Journal of Accounting and Economics Studies >Socio-economic correlates of more than one personal account ownership in the Kumasi Metropolis of Ghana
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Socio-economic correlates of more than one personal account ownership in the Kumasi Metropolis of Ghana

机译：加纳库马西大都市不止一个个人帐户拥有权的社会经济相关性

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Financial inclusion is seen as one of the major tools that can be used to oust poverty. Given this, several studies have been done to find out the kind of individuals who are likely to have indicators of financial inclusion such as ownership of savings accounts among others. However, it has been observed that certain individuals tend to have multiple savings accounts in which very little is known in the literature about the features of such individuals and why. This study therefore purposively sampled 200 adult respondents in the Kumasi Metropolis of Ghana with at least one account in any formal institution, in order to investigate the determinants of more than one or multiple personal financial accounts holding. The study employed the binary logit model as the empirical estimation technique. The study therefore found that, most respondents chose enjoyment of several benefits as the most important reason they own more than one personal account. From the regression estimates, the study revealed males, those aged 31-40 years, the employed, married, respondents with junior high school (J.H.S), senior high school (S.H.S) and tertiary levels of education to be more likely to own more than one personal account. The findings therefore fill a major gap in the financial inclusion literature and hence further reinforce the essence of socio-economic factors such as gender, age, education, employment, religion and marital status in the financial inclusion drive.
机译：金融包容被视为可以用来消除贫困的主要工具之一。鉴于此，已经进行了几项研究，以找出可能具有金融普惠指标的个人类型，例如储蓄账户所有权等。然而，已经观察到，某些人倾向于拥有多个储蓄账户，在文献中关于这种人的特征及其原因了解得很少。因此，本研究旨在对加纳库马西大都会的200名成年受访者进行抽样调查，并在任何正式机构中至少拥有一个账户，以便调查一个或多个个人金融账户持有量的决定因素。该研究采用二进制logit模型作为经验估计技术。因此，研究发现，大多数受访者选择享受多项福利是拥有多个个人账户的最重要原因。根据回归估计，研究显示，年龄在31至40岁之间，受雇，已婚，初中（JHS），高中（SHS）和大专以上文化程度的受访者中，男性拥有的可能性更大。一个个人帐户。因此，调查结果填补了金融普惠性文献中的主要空白，因此进一步加强了社会经济因素的实质，例如金融普惠性驱动力中的性别，年龄，教育程度，就业，宗教和婚姻状况。

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