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首页> 外文期刊>Journal of Financial Economic Policy >Financial inclusion determinants and impediments in India: insights from the global financial inclusion index
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Financial inclusion determinants and impediments in India: insights from the global financial inclusion index

机译：印度的金融包容决定因素和障碍：全球金融包容指数的见解

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Purpose - The purpose of this paper is to understand the determinants of financial inclusion and the determinants of barriers to financial inclusion in India. Also, the purpose is to ascertain the determinants of informal financial activities in India. Design/methodology/approach - The data have been collected from the Global Findex Database (Findex) 2017. Various measures of financial inclusion, namely, ownership formal accounts, use of accounts for saving and borrowing, ownership and use of the debit card are used. The independent variables used are: age, income, education and gender. Given the binary nature of dependent variables, this paper uses the Probit model to draw the inferences. Findings - The results show that gender, age, education and income have a significant impact on the various measures of financial inclusion. Additionally, these factors have a significant impact on fee informal saving and borrowing. Research limitations/implications - The given study uses the deferent measures of financial inclusion. An index of financial inclusion created using all the financial inclusion measures would be a better indicator of financial inclusion. Practical implications - The results of this study would be useful for policymakers to identify the determinants and barriers of financial inclusion in India. The results show that policymakers should focus on the female population, in particular, and education and income enhancing measures, in general, to make financial inclusion more inclusive. Originality/value - The study is the first of its kind to analyze financial inclusion in India using the Findex. Unlike previous studies, variables such as education and income are constructed more pragmatically. In particular, the study tries to understand the socio-economic determinants of financial inclusion measured as ownership of formal accounts, formal saving, formal credit, ownership of debit cards and use of debit cards. The study also analyzes the determinants of barriers to financial inclusion, savings (formal and informal) and borrowing (formal and informal).
机译：目的 - 本文的目的是了解金融包容的决定因素以及印度金融包容性的障碍的决定因素。此外，目的是确定印度非正式金融活动的决定因素。设计/方法/方法 - 已从全球Findex数据库（Findex）2017中收集数据。使用各种金融包容措施，即所有权正式账户，使用账户用于保存和借用，所有权和使用借记卡。所使用的独立变量是：年龄，收入，教育和性别。鉴于依赖变量的二进制性质，本文使用概率模型绘制推断。结果 - 结果表明，性别，年龄，教育和收入对各种金融包容措施产生了重大影响。此外，这些因素对费用非正式储蓄和借款产生了重大影响。研究限制/影响 - 给定的研究采用了经济纳入的助理措施。使用所有金融包容措施创造的金融包容指数将是财务包容性更好的指标。实际意义 - 本研究的结果对于政策制定者可用于确定印度金融包容的决定因素和障碍。结果表明，政策制定者应专注于女性人口，特别是教育和收入措施，一般来说，使财务包容更加包容。原创性/价值 - 该研究是使用Findex分析印度的金融包容性的第一个。与以往的研究不同，教育和收入等变量更加务实。特别是，该研究试图了解作为正式账户的所有权，正规储蓄，正式信用，借记卡所有权以及使用借记卡的所有权，以了解金融包容的社会经济决定因素。该研究还分析了金融包容性，储蓄（正规和非正式）和借贷的障碍的决定因素（正式和非正式）。

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