Does financial inclusion induce poverty, income inequality, and financial stability: empirical evidence from the 54 African countries?

Khan, Iftikhar Ahmed; Khan, Ismail; Sayal, Aziz Ullah; Khan, Muhammad Zubair

doi:10.1108/jes-07-2020-0317

Cited by 64 publications

(51 citation statements)

References 45 publications

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“…The relationship between inclusive finance and disposable income has unique implications for low-income households, but previous research has largely ignored these issues. Previous research on financial inclusion was mainly conceptual, and empirical research based on publicly available data is scarce (Khan et al, 2022). Some of those studies seem worthwhile and deserving of investigation with regard to low-income households.…”

Section: The Originality Of the Studymentioning

confidence: 99%

The Financial Inclusion Development and Its Impacts on Disposable Income

et al. 2022

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The study examines the dimension of financial inclusion from the beneficiaries’ perspective (on the demand side). In addition, the present study seeks to determine the relationship between financial inclusion and the disposable income of Pakistani households. The results revealed four significant dimensions to predict financial inclusion (access, availability, usage, and cost). Furthermore, the results also revealed that financial inclusion significantly and directly and indirectly impacts disposable income. Thus, this research emphasizes that inclusion in the formal financial system can enhance the disposable income of low-income urban households and assist them in combating poverty. Further, this investigation is among the earliest to provide a demand-side perspective to measure the ﬁnancial inclusion dimensions of the “most financially excluded” group (low-income urban households in Pakistan). Besides, this study advances the literature on financial inclusion and disposable income. It attempts to adequately bridge the gap in the literature by examining the relationship between financial inclusion and disposable income among low-income urban households by employing the structural equation modeling approach.

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Section: The Originality Of the Studymentioning

confidence: 99%

The Financial Inclusion Development and Its Impacts on Disposable Income

et al. 2022

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“…The second aspect is the poverty alleviation effect and mechanism. E-commerce facilitates rural industrial development by promoting information sharing, factor flow, and resource docking [17], and has an obvious positive effect on the increase in the income of enterprises in poverty-stricken areas [18]; this is the "endogenous driving force" to promote economic development in impoverished areas [19]. At the same time, e-commerce has effectively alleviated the problem of low-price sales caused by slow sales and information asymmetry.…”

Section: Research On E-commerce Poverty Alleviationmentioning

confidence: 99%

Research on the Efficiency Measurement and Spatial Spillover Effect of China’s Regional E-Commerce Poverty Alleviation from the Perspective of Sustainable Development

Zhao

Wang

2022

Sustainability

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The development of e-commerce plays a very important role in changing the production and operation mode, optimizing the allocation of market resources, promoting sustainable development, and ultimately achieving the goal of e-commerce poverty alleviation. Therefore, the efficiency of e-commerce poverty alleviation has become a focus of attention for both the government and academia. The authors of this paper selected the panel data of 30 provinces and cities in China from 2010 to 2021, in order to measure the poverty alleviation efficiency of e-commerce in each province and city. We used the Moran’s I index to measure its spatial correlation to verify the existence of its spatial effect; we then used the spatial Durbin model to analyze the spatial spillover effect in the efficiency of e-commerce poverty alleviation. The conclusions are as follows: First, there is a significant positive spatial correlation of the efficiency of e-commerce poverty alleviation among different regions in China. Moran’s I index exceeds 0.5, indicating that there is a significant spatial effect in the efficiency of e-commerce poverty alleviation, and the existence of its spatial effect is unavoidable in the empirical analysis. Secondly, from the perspective of the efficiency of e-commerce poverty alleviation in various regions of the country, the overall e-commerce poverty alleviation efficiency is not high, and there are large differences among regions. The regions in which efficiency is higher include Tianjin, Beijing, and Shanghai. Regionally, the highest are in the east and the lowest are in the west. Secondly, from the decomposition of spatial spillover effects, the direct effects of each influencing factor are all positive. Only the financial development environment is less significant, and the indirect effects indicate that only four indicators have significant spatial spillover effects, of which the most significant is industrial agglomeration. The level of industrial agglomeration is not significantly related to the level of human capital, and there is a negative correlation between it and the efficiency of e-commerce poverty alleviation. The authors studied the poverty alleviation efficiency and spatial spillover effect of China’s regional e-commerce from the perspective of sustainable development, which is beneficial to China’s regional poverty alleviation results, providing practical guidance and decision-making reference for implementing differentiated coping strategies in different regions. The research complements, improves, and expands the research content in this field.

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“…They also found a positive and significant impact of financial inclusion on economic growth. The most recent, Khan et al (2021) examined, using panel data, the impact of financial inclusion on poverty, income inequality and financial stability between 2001-2019 for 54 African countries. They suggested that, financial inclusion reduces poverty, income inequality and improves financial stability.…”

Section: Country Level Studies In African Regionmentioning

confidence: 99%

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2022

AJBE

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ATINER is an independent and non-profit Association with a Mission to become a forum where Academics and Researchers from all over the world can meet in Athens, exchange ideas on their research and discuss future developments in their disciplines, as well as engage with professionals from other fields. Athens was chosen because of its long history of academic gatherings, which go back thousands of years to Plato's Academy and Aristotle's Lyceum. Both these historic places are within walking distance from ATINER's downtown offices. Since antiquity, Athens was an open city. In the words of Pericles, Athens"…is open to the world, we never expel a foreigner from learning or seeing". ("Pericles' Funeral Oration", in Thucydides, The History of the Peloponnesian War). It is ATINER's mission to revive the glory of Ancient Athens by inviting the World Academic Community to the city, to learn from each other in an environment of freedom and respect for other people's opinions and beliefs. After all, the free expression of one's opinion formed the basis for the development of democracy, and Athens was its cradle. As it turned out, the Golden Age of Athens was in fact, the Golden Age of the Western Civilization. Education

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Does financial inclusion induce poverty, income inequality, and financial stability: empirical evidence from the 54 African countries?

Cited by 64 publications

References 45 publications

The Financial Inclusion Development and Its Impacts on Disposable Income

The Financial Inclusion Development and Its Impacts on Disposable Income

Research on the Efficiency Measurement and Spatial Spillover Effect of China’s Regional E-Commerce Poverty Alleviation from the Perspective of Sustainable Development

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