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    Financial inclusion

    Basic theories and empirical evidence from African countries

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    Author(s)
    Simatele, Munacinga C.
    Dube, Ziphozethu
    Khumalo, Sibanisezwe
    Ssonko, George W.
    Kawooya, Duncan R.
    Bwalya, Miselo
    Dlamini, Phindile G.
    Kichini, Gilbert
    Kabange, Martin M.
    Dlova, Mzwanele
    Mishi, Syden
    Mutyavaviri, Timothy
    Contributor(s)
    Simatele, Munacinga C. (editor)
    Language
    English
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    Abstract
    Financial inclusion has been noted as a key driver of poverty alleviation and growth. Yet, most of the scholarly work that exists lacks a comprehensive discussion of how the poor interact with financial services and the channels through which such services can affect their livelihoods. This book offers researchers who focus on financial inclusion and African economies a one stop resource for understanding the channels of transmission for financial inclusion as well as an application of these channels through original country specific empirical papers. The book provides a back-to-basics presentation of the transmission of financial services to growth and poverty. This theoretical discussion is complemented by an empirical presentation of the various services used by the poor, with a focus on Africa. Case studies of financial inclusion in six African countries cover a broad range of topics most important to African countries and highlight the unique African setting. These empirical papers provide important learning points. Firstly, hybrid financial institutions such as cooperative financial institutions and financial social entrepreneurs are the best way to increase financial inclusion in Africa. They provide important vehicles to circumventing the restrictive and exclusive bank-based financial markets typical of African economies. Secondly, digital finance is a potent tool in improving financial access and usage in Africa, and its impact on poverty operates through both traditional and nontraditional financial instruments. Thirdly, investment in infrastructure which supports complementary markets is critical and is likely to have a greater effect on credit rationing than direct provision of credit to small businesses.
    URI
    https://library.oapen.org/handle/20.500.12657/53907
    Keywords
    Poverty; microfinancing; savings; microcredit; financial inclusion; Africa; African finance
    DOI
    10.4102/aosis.2021.BK255
    ISBN
    9781776341818, 9781776341795, 9781776341801, 9781776341818
    Publisher
    AOSIS
    Publisher website
    https://books.aosis.co.za/index.php/ob
    Publication date and place
    Durbanville, 2021
    Grantor
    • North-West University
    Classification
    Economics, finance, business & management
    Pages
    314
    Rights
    https://creativecommons.org/licenses/by-nc-nd/4.0/
    • Imported or submitted locally

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    Credits

    • logo Scoss
    • logo EU
    • logo Scoss
    • This project received funding from the European Union's Horizon 2020 research and innovation programme under grant agreement No 683680, 810640, 871069 and 964352.

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