Purpose

The aim of the study is to examine the impact of financial inclusion on poverty, income inequality and financial stability using panel data of 54 African countries.

Design/methodology/approach

To achieve this objective, the current study used multiple regressions across an unbalanced panel data of 54 African countries which are based on the four years mean value for the period 2001–2019.

Findings

The results show that financial inclusion (FI) is a valuable indicator; it reduces poverty, income inequality and improves financial stability.

Research limitations/implications

The study invokes the attention of government and policymakers to build up a financially inclusive system which, in turn, leads to improve financial stability and lower poverty and income inequality. They should focus on quality and sustainable financial products and services in terms of financial inclusion to avoid dominant accounts and ensure consumer protection.

Originality/value

This adds to the scarce literature on the impact of financial inclusion on poverty, income inequality and financial stability in the context of African countries. The study contributes to the literature on the issue of financial inclusion and poverty, income inequality and financial stability by reconfirming (or otherwise) findings of previous studies.

中文翻译：

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普惠金融是否会导致贫困、收入不平等和金融稳定：来自 54 个非洲国家的经验证据？

目的

该研究的目的是利用 54 个非洲国家的面板数据，研究普惠金融对贫困、收入不平等和金融稳定的影响。

设计/方法/方法

为了实现这一目标，本研究对 54 个非洲国家的不平衡面板数据使用了多元回归，这些数据基于 2001-2019 年期间的四年平均值。

发现

结果表明，普惠金融（FI）是一个有价值的指标；它减少了贫困、收入不平等并改善了金融稳定性。

研究限制/影响

该研究呼吁政府和政策制定者关注建立一个金融包容性体系，从而改善金融稳定性并减少贫困和收入不平等。他们应在普惠金融方面专注于优质和可持续的金融产品和服务，以避免占主导地位的账户并确保消费者保护。

原创性/价值

这增加了关于金融包容性对非洲国家贫困、收入不平等和金融稳定影响的稀缺文献。该研究通过重新确认（或以其他方式）先前研究的结果，为有关金融包容性和贫困、收入不平等和金融稳定问题的文献做出了贡献。