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Determinants of Financial Inclusion: A Comparative Study of Kenya and Ethiopia
Journal of African Business Pub Date : 2022-05-19 , DOI: 10.1080/15228916.2022.2078938
Wuddasie Dereje Bekele 1
Affiliation  

ABSTRACT

This study conducts a comparative analysis of the factors affecting financial inclusion in Kenya and Ethiopia at macro and micro levels. A generalized linear model is used to examine the determinants of and barriers to financial inclusion using the 2017 Global Findex Database, whereas a descriptive analysis is used to explore their macro-level differences. Kenya has a higher level of financial inclusion than Ethiopia. Differences in financial liberalization policy, gross domestic product, percentage of rural population, and mobile money service expansion are some macro-level differences that explain this variation. Differences in literacy rates and means of receiving payments such as government transfers explain some of the micro-level variations between the two countries. In addition, gender, age, employment status, and owning a mobile phone have significant and positive effects on financial inclusion. However, lack of documentation, lack of trust, and lack of money are significant barriers to financial inclusion.



中文翻译:

普惠金融的决定因素:肯尼亚和埃塞俄比亚的比较研究

摘要

本研究从宏观和微观层面对影响肯尼亚和埃塞俄比亚金融普惠的因素进行了比较分析。广义线性模型用于使用 2017 年全球 Findex 数据库检查金融包容性的决定因素和障碍,而描述性分析用于探索它们的宏观层面差异。肯尼亚的金融包容性水平高于埃塞俄比亚。金融自由化政策、国内生产总值、农村人口比例和移动货币服务扩张的差异是解释这种差异的一些宏观层面差异。识字率和接受政府转移支付等付款方式的差异解释了两国之间的一些微观差异。此外,性别、年龄、就业状况、和拥有手机对普惠金融具有显着的积极影响。然而,缺乏文件、缺乏信任和缺乏资金是普惠金融的重大障碍。

更新日期:2022-05-19
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