The purpose of this paper is to examine the determinants of financial inclusion in the least developed countries in Asia and Africa. We used World Bank data to estimate the probit econometric technique in the studied countries. The results show that young people and women are groups excluded from financial inclusion and that education and income are two of the key pillars for increasing financial inclusion. Furthermore, the results reveal that a higher level of financial inclusion increases the level of official savings in countries, which in turn promotes their development. The findings of this study are beneficial for policymakers in the least developed countries to promote innovative approaches to enhance the involvement of excluded people in formal finance.

本文的目的是研究亚洲和非洲最不发达国家金融包容性的决定因素。我们使用世界银行的数据来估算所研究国家的概率计量经济技术。结果表明，青年和妇女是被排除在金融包容性之外的群体，教育和收入是增加金融包容性的两个主要支柱。此外，结果表明，更高程度的金融普惠性增加了国家的官方储蓄水平，进而促进了其发展。这项研究的结果有利于最不发达国家的政策制定者推广创新方法，以增强被排斥者对正规金融的参与。