Determinants of Financial Inclusion in Kenya: A Demand-Side Perspective
John K. Njenga,
Esther N. Irungu
Abstract:This study sought to analyze the underlying financial inclusion determinants in Kenya. The study applies ordinal logit regression to examine the effect of the residential area, gender, education level, marital status, and employment type on financial inclusion. Financial inclusion is measured by developing a financial inclusion index for ten binary financial services variables. From the index, three financial inclusion levels are designed. These include low financial inclusion with scores of zero to three, med… Show more
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