Rezumat articol ediţie STUDIA UNIVERSITATIS BABE┼×-BOLYAI

În partea de jos este prezentat rezumatul articolului selectat. Pentru revenire la cuprinsul ediţiei din care face parte acest articol, se accesează linkul din titlu. Pentru vizualizarea tuturor articolelor din arhivă la care este autor/coautor unul din autorii de mai jos, se accesează linkul din numele autorului.

 
       
         
    STUDIA OECONOMICA - Ediţia nr.3 din 2020  
         
  Articol:   DETERMINANTS OF FINANCIAL INCLUSION IN SOUTHERN AFRICA.

Autori:  DAVID MHLANGA, VARAIDZO DENHERE.
 
       
         
  Rezumat:  
DOI: 10.2478/subboec-2020-0014

Published Online: 2020-12-28
Published Print: 2020-12-30
pp. 39-52

VIEW PDF

FULL PDF

ABSTRACT: The study sought to establish the drivers of financial inclusion in Southern Africa with a specific focus on South Africa. Financial inclusion has been a topic of global interest due to the negative impact of financial exclusion in addressing socio-economic issues like poverty. Using the logit model, the study discovered that financial inclusion is driven by age, education level, the total salary proxy of income, race, gender, and marital status. The variable gender was the only factor with a negative influence on financial inclusion all other significant variables had a positive influence on financial inclusion. As a result, governments in Africa should encourage the use of financial services and products among women, Black Africans, Coloureds and the youths. Products and services tailor-made to satisfy the needs of these groups should be designed to improve financial inclusion among them. This initiative will go a long way in addressing poverty, inequality, and unemployment in the country.

Keywords: Africa; Financial Inclusion; Household Survey Data; Determinants South Africa

JEL classification: G1, O12, G23, G38
 
         
     
         
         
      Revenire la pagina precedentă