Financial inclusion and its demand-side determinants : evidence from Ethiopia

Financial inclusion is one of the development priorities of the Ethiopian Government. However, factors, which might affect it are not explored adequately with appropriate methods. To examine the relationship between financial inclusion and its demand-side determinants, we applied a simple probit mod...
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Autor*in:	Giday, Haftu Girmay [verfasserIn]

Format:	E-Artikel
Sprache:	Englisch

Erschienen:	2023

Rechteinformationen:	Open Access Namensnennung 4.0 International ; CC BY 4.0

Schlagwörter:	account ownership demand-side determinants Ethiopia financial inclusion probit sample selection

Übergeordnetes Werk:	Enthalten in: Cogent economics & finance - Abingdon : Taylor & Francis, 2014, 11(2023), 1, Artikel-ID 2186031, Seite 1-28
Übergeordnetes Werk:	volume:11 ; year:2023 ; number:1 ; elocationid:2186031 ; pages:1-28

Links:	Link aufrufen Link aufrufen Link aufrufen

DOI / URN:	10.1080/23322039.2023.2186031

Katalog-ID:	1884399444

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allfields	10.1080/23322039.2023.2186031 doi 10419/304000 hdl (DE-627)1884399444 (DE-599)KXP1884399444 DE-627 ger DE-627 rda eng C31 C35 D14 G21 G51 jelc Giday, Haftu Girmay verfasserin (DE-588)1328255573 (DE-627)1887787143 aut Financial inclusion and its demand-side determinants evidence from Ethiopia Haftu Girmay Giday 2023 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier DE-206 Open Access Controlled Vocabulary for Access Rights http://purl.org/coar/access_right/c_abf2 Financial inclusion is one of the development priorities of the Ethiopian Government. However, factors, which might affect it are not explored adequately with appropriate methods. To examine the relationship between financial inclusion and its demand-side determinants, we applied a simple probit model and two probit models with sample selection to the 2018/19 Ethiopia Socioeconomic Survey (ESS4). Our simple probit model estimation results show that male, older, non-Muslim, married, more educated, richest, mobile users or people who are aware of how to open a bank account are more likely to have a formal account than their counterparts. However, being from a rural area or from a larger household size reduces the likelihood of having an account. Results from the probit selection model show that rural residents, employed, richer people, or people who are out of labor force are more likely to use their account to save money than their counterparts. Furthermore, the third model shows that being non-Muslim, married, widowed, or poorer reduces the likelihood of account use than their counterparts. Thus, policies should target the most vulnerable groups of the society. Especially, rural households, women, the Muslim population, the poor, less educated people, and the young should be the focus of financial inclusion endeavors of the Government. Parallel to these policy measures, awareness of opening bank account and financial education programs should be promoted. DE-206 Namensnennung 4.0 International CC BY 4.0 cc https://creativecommons.org/licenses/by/4.0/ account ownership (dpeaa)DE-206 demand-side determinants (dpeaa)DE-206 Ethiopia (dpeaa)DE-206 financial inclusion (dpeaa)DE-206 probit (dpeaa)DE-206 sample selection (dpeaa)DE-206 Enthalten in Cogent economics & finance Abingdon : Taylor & Francis, 2014 11(2023), 1, Artikel-ID 2186031, Seite 1-28 Online-Ressource (DE-627)786946385 (DE-600)2773198-4 (DE-576)407862285 2332-2039 nnns volume:11 year:2023 number:1 elocationid:2186031 pages:1-28 https://www.tandfonline.com/doi/pdf/10.1080/23322039.2023.2186031 Verlag kostenfrei https://doi.org/10.1080/23322039.2023.2186031 Resolving-System kostenfrei https://hdl.handle.net/10419/304000 Resolving-System kostenfrei GBV_USEFLAG_U GBV_ILN_26 ISIL_DE-206 SYSFLAG_1 GBV_KXP GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_72 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_152 GBV_ILN_161 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_2009 GBV_ILN_2014 GBV_ILN_2034 GBV_ILN_2050 GBV_ILN_2055 GBV_ILN_2111 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4116 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4155 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4315 GBV_ILN_4317 GBV_ILN_4318 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 GBV_ILN_2403 GBV_ILN_2403 ISIL_DE-LFER AR 11 2023 1 2186031 1-28 26 01 0206 4504246260 x1z 26-03-24 2403 01 DE-LFER 4511212732 00 --%%-- --%%-- n --%%-- l01 12-04-24 2403 01 DE-LFER https://doi.org/10.1080/23322039.2023.2186031 2403 01 DE-LFER https://www.tandfonline.com/doi/pdf/10.1080/23322039.2023.2186031
spelling	10.1080/23322039.2023.2186031 doi 10419/304000 hdl (DE-627)1884399444 (DE-599)KXP1884399444 DE-627 ger DE-627 rda eng C31 C35 D14 G21 G51 jelc Giday, Haftu Girmay verfasserin (DE-588)1328255573 (DE-627)1887787143 aut Financial inclusion and its demand-side determinants evidence from Ethiopia Haftu Girmay Giday 2023 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier DE-206 Open Access Controlled Vocabulary for Access Rights http://purl.org/coar/access_right/c_abf2 Financial inclusion is one of the development priorities of the Ethiopian Government. However, factors, which might affect it are not explored adequately with appropriate methods. To examine the relationship between financial inclusion and its demand-side determinants, we applied a simple probit model and two probit models with sample selection to the 2018/19 Ethiopia Socioeconomic Survey (ESS4). Our simple probit model estimation results show that male, older, non-Muslim, married, more educated, richest, mobile users or people who are aware of how to open a bank account are more likely to have a formal account than their counterparts. However, being from a rural area or from a larger household size reduces the likelihood of having an account. Results from the probit selection model show that rural residents, employed, richer people, or people who are out of labor force are more likely to use their account to save money than their counterparts. Furthermore, the third model shows that being non-Muslim, married, widowed, or poorer reduces the likelihood of account use than their counterparts. Thus, policies should target the most vulnerable groups of the society. Especially, rural households, women, the Muslim population, the poor, less educated people, and the young should be the focus of financial inclusion endeavors of the Government. Parallel to these policy measures, awareness of opening bank account and financial education programs should be promoted. DE-206 Namensnennung 4.0 International CC BY 4.0 cc https://creativecommons.org/licenses/by/4.0/ account ownership (dpeaa)DE-206 demand-side determinants (dpeaa)DE-206 Ethiopia (dpeaa)DE-206 financial inclusion (dpeaa)DE-206 probit (dpeaa)DE-206 sample selection (dpeaa)DE-206 Enthalten in Cogent economics & finance Abingdon : Taylor & Francis, 2014 11(2023), 1, Artikel-ID 2186031, Seite 1-28 Online-Ressource (DE-627)786946385 (DE-600)2773198-4 (DE-576)407862285 2332-2039 nnns volume:11 year:2023 number:1 elocationid:2186031 pages:1-28 https://www.tandfonline.com/doi/pdf/10.1080/23322039.2023.2186031 Verlag kostenfrei https://doi.org/10.1080/23322039.2023.2186031 Resolving-System kostenfrei https://hdl.handle.net/10419/304000 Resolving-System kostenfrei GBV_USEFLAG_U GBV_ILN_26 ISIL_DE-206 SYSFLAG_1 GBV_KXP GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_72 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_152 GBV_ILN_161 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_2009 GBV_ILN_2014 GBV_ILN_2034 GBV_ILN_2050 GBV_ILN_2055 GBV_ILN_2111 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4116 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4155 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4315 GBV_ILN_4317 GBV_ILN_4318 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 GBV_ILN_2403 GBV_ILN_2403 ISIL_DE-LFER AR 11 2023 1 2186031 1-28 26 01 0206 4504246260 x1z 26-03-24 2403 01 DE-LFER 4511212732 00 --%%-- --%%-- n --%%-- l01 12-04-24 2403 01 DE-LFER https://doi.org/10.1080/23322039.2023.2186031 2403 01 DE-LFER https://www.tandfonline.com/doi/pdf/10.1080/23322039.2023.2186031
allfields_unstemmed	10.1080/23322039.2023.2186031 doi 10419/304000 hdl (DE-627)1884399444 (DE-599)KXP1884399444 DE-627 ger DE-627 rda eng C31 C35 D14 G21 G51 jelc Giday, Haftu Girmay verfasserin (DE-588)1328255573 (DE-627)1887787143 aut Financial inclusion and its demand-side determinants evidence from Ethiopia Haftu Girmay Giday 2023 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier DE-206 Open Access Controlled Vocabulary for Access Rights http://purl.org/coar/access_right/c_abf2 Financial inclusion is one of the development priorities of the Ethiopian Government. However, factors, which might affect it are not explored adequately with appropriate methods. To examine the relationship between financial inclusion and its demand-side determinants, we applied a simple probit model and two probit models with sample selection to the 2018/19 Ethiopia Socioeconomic Survey (ESS4). Our simple probit model estimation results show that male, older, non-Muslim, married, more educated, richest, mobile users or people who are aware of how to open a bank account are more likely to have a formal account than their counterparts. However, being from a rural area or from a larger household size reduces the likelihood of having an account. Results from the probit selection model show that rural residents, employed, richer people, or people who are out of labor force are more likely to use their account to save money than their counterparts. Furthermore, the third model shows that being non-Muslim, married, widowed, or poorer reduces the likelihood of account use than their counterparts. Thus, policies should target the most vulnerable groups of the society. Especially, rural households, women, the Muslim population, the poor, less educated people, and the young should be the focus of financial inclusion endeavors of the Government. Parallel to these policy measures, awareness of opening bank account and financial education programs should be promoted. DE-206 Namensnennung 4.0 International CC BY 4.0 cc https://creativecommons.org/licenses/by/4.0/ account ownership (dpeaa)DE-206 demand-side determinants (dpeaa)DE-206 Ethiopia (dpeaa)DE-206 financial inclusion (dpeaa)DE-206 probit (dpeaa)DE-206 sample selection (dpeaa)DE-206 Enthalten in Cogent economics & finance Abingdon : Taylor & Francis, 2014 11(2023), 1, Artikel-ID 2186031, Seite 1-28 Online-Ressource (DE-627)786946385 (DE-600)2773198-4 (DE-576)407862285 2332-2039 nnns volume:11 year:2023 number:1 elocationid:2186031 pages:1-28 https://www.tandfonline.com/doi/pdf/10.1080/23322039.2023.2186031 Verlag kostenfrei https://doi.org/10.1080/23322039.2023.2186031 Resolving-System kostenfrei https://hdl.handle.net/10419/304000 Resolving-System kostenfrei GBV_USEFLAG_U GBV_ILN_26 ISIL_DE-206 SYSFLAG_1 GBV_KXP GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_72 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_152 GBV_ILN_161 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_2009 GBV_ILN_2014 GBV_ILN_2034 GBV_ILN_2050 GBV_ILN_2055 GBV_ILN_2111 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4116 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4155 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4315 GBV_ILN_4317 GBV_ILN_4318 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 GBV_ILN_2403 GBV_ILN_2403 ISIL_DE-LFER AR 11 2023 1 2186031 1-28 26 01 0206 4504246260 x1z 26-03-24 2403 01 DE-LFER 4511212732 00 --%%-- --%%-- n --%%-- l01 12-04-24 2403 01 DE-LFER https://doi.org/10.1080/23322039.2023.2186031 2403 01 DE-LFER https://www.tandfonline.com/doi/pdf/10.1080/23322039.2023.2186031
allfieldsGer	10.1080/23322039.2023.2186031 doi 10419/304000 hdl (DE-627)1884399444 (DE-599)KXP1884399444 DE-627 ger DE-627 rda eng C31 C35 D14 G21 G51 jelc Giday, Haftu Girmay verfasserin (DE-588)1328255573 (DE-627)1887787143 aut Financial inclusion and its demand-side determinants evidence from Ethiopia Haftu Girmay Giday 2023 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier DE-206 Open Access Controlled Vocabulary for Access Rights http://purl.org/coar/access_right/c_abf2 Financial inclusion is one of the development priorities of the Ethiopian Government. However, factors, which might affect it are not explored adequately with appropriate methods. To examine the relationship between financial inclusion and its demand-side determinants, we applied a simple probit model and two probit models with sample selection to the 2018/19 Ethiopia Socioeconomic Survey (ESS4). Our simple probit model estimation results show that male, older, non-Muslim, married, more educated, richest, mobile users or people who are aware of how to open a bank account are more likely to have a formal account than their counterparts. However, being from a rural area or from a larger household size reduces the likelihood of having an account. Results from the probit selection model show that rural residents, employed, richer people, or people who are out of labor force are more likely to use their account to save money than their counterparts. Furthermore, the third model shows that being non-Muslim, married, widowed, or poorer reduces the likelihood of account use than their counterparts. Thus, policies should target the most vulnerable groups of the society. Especially, rural households, women, the Muslim population, the poor, less educated people, and the young should be the focus of financial inclusion endeavors of the Government. Parallel to these policy measures, awareness of opening bank account and financial education programs should be promoted. DE-206 Namensnennung 4.0 International CC BY 4.0 cc https://creativecommons.org/licenses/by/4.0/ account ownership (dpeaa)DE-206 demand-side determinants (dpeaa)DE-206 Ethiopia (dpeaa)DE-206 financial inclusion (dpeaa)DE-206 probit (dpeaa)DE-206 sample selection (dpeaa)DE-206 Enthalten in Cogent economics & finance Abingdon : Taylor & Francis, 2014 11(2023), 1, Artikel-ID 2186031, Seite 1-28 Online-Ressource (DE-627)786946385 (DE-600)2773198-4 (DE-576)407862285 2332-2039 nnns volume:11 year:2023 number:1 elocationid:2186031 pages:1-28 https://www.tandfonline.com/doi/pdf/10.1080/23322039.2023.2186031 Verlag kostenfrei https://doi.org/10.1080/23322039.2023.2186031 Resolving-System kostenfrei https://hdl.handle.net/10419/304000 Resolving-System kostenfrei GBV_USEFLAG_U GBV_ILN_26 ISIL_DE-206 SYSFLAG_1 GBV_KXP GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_72 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_152 GBV_ILN_161 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_2009 GBV_ILN_2014 GBV_ILN_2034 GBV_ILN_2050 GBV_ILN_2055 GBV_ILN_2111 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4116 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4155 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4315 GBV_ILN_4317 GBV_ILN_4318 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 GBV_ILN_2403 GBV_ILN_2403 ISIL_DE-LFER AR 11 2023 1 2186031 1-28 26 01 0206 4504246260 x1z 26-03-24 2403 01 DE-LFER 4511212732 00 --%%-- --%%-- n --%%-- l01 12-04-24 2403 01 DE-LFER https://doi.org/10.1080/23322039.2023.2186031 2403 01 DE-LFER https://www.tandfonline.com/doi/pdf/10.1080/23322039.2023.2186031
allfieldsSound	10.1080/23322039.2023.2186031 doi 10419/304000 hdl (DE-627)1884399444 (DE-599)KXP1884399444 DE-627 ger DE-627 rda eng C31 C35 D14 G21 G51 jelc Giday, Haftu Girmay verfasserin (DE-588)1328255573 (DE-627)1887787143 aut Financial inclusion and its demand-side determinants evidence from Ethiopia Haftu Girmay Giday 2023 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier DE-206 Open Access Controlled Vocabulary for Access Rights http://purl.org/coar/access_right/c_abf2 Financial inclusion is one of the development priorities of the Ethiopian Government. However, factors, which might affect it are not explored adequately with appropriate methods. To examine the relationship between financial inclusion and its demand-side determinants, we applied a simple probit model and two probit models with sample selection to the 2018/19 Ethiopia Socioeconomic Survey (ESS4). Our simple probit model estimation results show that male, older, non-Muslim, married, more educated, richest, mobile users or people who are aware of how to open a bank account are more likely to have a formal account than their counterparts. However, being from a rural area or from a larger household size reduces the likelihood of having an account. Results from the probit selection model show that rural residents, employed, richer people, or people who are out of labor force are more likely to use their account to save money than their counterparts. Furthermore, the third model shows that being non-Muslim, married, widowed, or poorer reduces the likelihood of account use than their counterparts. Thus, policies should target the most vulnerable groups of the society. Especially, rural households, women, the Muslim population, the poor, less educated people, and the young should be the focus of financial inclusion endeavors of the Government. Parallel to these policy measures, awareness of opening bank account and financial education programs should be promoted. DE-206 Namensnennung 4.0 International CC BY 4.0 cc https://creativecommons.org/licenses/by/4.0/ account ownership (dpeaa)DE-206 demand-side determinants (dpeaa)DE-206 Ethiopia (dpeaa)DE-206 financial inclusion (dpeaa)DE-206 probit (dpeaa)DE-206 sample selection (dpeaa)DE-206 Enthalten in Cogent economics & finance Abingdon : Taylor & Francis, 2014 11(2023), 1, Artikel-ID 2186031, Seite 1-28 Online-Ressource (DE-627)786946385 (DE-600)2773198-4 (DE-576)407862285 2332-2039 nnns volume:11 year:2023 number:1 elocationid:2186031 pages:1-28 https://www.tandfonline.com/doi/pdf/10.1080/23322039.2023.2186031 Verlag kostenfrei https://doi.org/10.1080/23322039.2023.2186031 Resolving-System kostenfrei https://hdl.handle.net/10419/304000 Resolving-System kostenfrei GBV_USEFLAG_U GBV_ILN_26 ISIL_DE-206 SYSFLAG_1 GBV_KXP GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_72 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_152 GBV_ILN_161 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_2009 GBV_ILN_2014 GBV_ILN_2034 GBV_ILN_2050 GBV_ILN_2055 GBV_ILN_2111 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4116 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4155 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4315 GBV_ILN_4317 GBV_ILN_4318 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 GBV_ILN_2403 GBV_ILN_2403 ISIL_DE-LFER AR 11 2023 1 2186031 1-28 26 01 0206 4504246260 x1z 26-03-24 2403 01 DE-LFER 4511212732 00 --%%-- --%%-- n --%%-- l01 12-04-24 2403 01 DE-LFER https://doi.org/10.1080/23322039.2023.2186031 2403 01 DE-LFER https://www.tandfonline.com/doi/pdf/10.1080/23322039.2023.2186031
language	English
source	Enthalten in Cogent economics & finance 11(2023), 1, Artikel-ID 2186031, Seite 1-28 volume:11 year:2023 number:1 elocationid:2186031 pages:1-28
sourceStr	Enthalten in Cogent economics & finance 11(2023), 1, Artikel-ID 2186031, Seite 1-28 volume:11 year:2023 number:1 elocationid:2186031 pages:1-28
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topic_facet	account ownership demand-side determinants Ethiopia financial inclusion probit sample selection
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container_title	Cogent economics & finance
authorswithroles_txt_mv	Giday, Haftu Girmay @@aut@@
publishDateDaySort_date	2023-01-01T00:00:00Z
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author	Giday, Haftu Girmay
spellingShingle	Giday, Haftu Girmay jelc C31 misc account ownership misc demand-side determinants misc Ethiopia misc financial inclusion misc probit misc sample selection Financial inclusion and its demand-side determinants evidence from Ethiopia
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topic_title	C31 C35 D14 G21 G51 jelc Financial inclusion and its demand-side determinants evidence from Ethiopia Haftu Girmay Giday account ownership (dpeaa)DE-206 demand-side determinants (dpeaa)DE-206 Ethiopia (dpeaa)DE-206 financial inclusion (dpeaa)DE-206 probit (dpeaa)DE-206 sample selection (dpeaa)DE-206
topic	jelc C31 misc account ownership misc demand-side determinants misc Ethiopia misc financial inclusion misc probit misc sample selection
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title	Financial inclusion and its demand-side determinants evidence from Ethiopia
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title_full	Financial inclusion and its demand-side determinants evidence from Ethiopia Haftu Girmay Giday
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title_sort	financial inclusion and its demand-side determinantsevidence from ethiopia
title_auth	Financial inclusion and its demand-side determinants evidence from Ethiopia
abstract	Financial inclusion is one of the development priorities of the Ethiopian Government. However, factors, which might affect it are not explored adequately with appropriate methods. To examine the relationship between financial inclusion and its demand-side determinants, we applied a simple probit model and two probit models with sample selection to the 2018/19 Ethiopia Socioeconomic Survey (ESS4). Our simple probit model estimation results show that male, older, non-Muslim, married, more educated, richest, mobile users or people who are aware of how to open a bank account are more likely to have a formal account than their counterparts. However, being from a rural area or from a larger household size reduces the likelihood of having an account. Results from the probit selection model show that rural residents, employed, richer people, or people who are out of labor force are more likely to use their account to save money than their counterparts. Furthermore, the third model shows that being non-Muslim, married, widowed, or poorer reduces the likelihood of account use than their counterparts. Thus, policies should target the most vulnerable groups of the society. Especially, rural households, women, the Muslim population, the poor, less educated people, and the young should be the focus of financial inclusion endeavors of the Government. Parallel to these policy measures, awareness of opening bank account and financial education programs should be promoted.
abstractGer	Financial inclusion is one of the development priorities of the Ethiopian Government. However, factors, which might affect it are not explored adequately with appropriate methods. To examine the relationship between financial inclusion and its demand-side determinants, we applied a simple probit model and two probit models with sample selection to the 2018/19 Ethiopia Socioeconomic Survey (ESS4). Our simple probit model estimation results show that male, older, non-Muslim, married, more educated, richest, mobile users or people who are aware of how to open a bank account are more likely to have a formal account than their counterparts. However, being from a rural area or from a larger household size reduces the likelihood of having an account. Results from the probit selection model show that rural residents, employed, richer people, or people who are out of labor force are more likely to use their account to save money than their counterparts. Furthermore, the third model shows that being non-Muslim, married, widowed, or poorer reduces the likelihood of account use than their counterparts. Thus, policies should target the most vulnerable groups of the society. Especially, rural households, women, the Muslim population, the poor, less educated people, and the young should be the focus of financial inclusion endeavors of the Government. Parallel to these policy measures, awareness of opening bank account and financial education programs should be promoted.
abstract_unstemmed	Financial inclusion is one of the development priorities of the Ethiopian Government. However, factors, which might affect it are not explored adequately with appropriate methods. To examine the relationship between financial inclusion and its demand-side determinants, we applied a simple probit model and two probit models with sample selection to the 2018/19 Ethiopia Socioeconomic Survey (ESS4). Our simple probit model estimation results show that male, older, non-Muslim, married, more educated, richest, mobile users or people who are aware of how to open a bank account are more likely to have a formal account than their counterparts. However, being from a rural area or from a larger household size reduces the likelihood of having an account. Results from the probit selection model show that rural residents, employed, richer people, or people who are out of labor force are more likely to use their account to save money than their counterparts. Furthermore, the third model shows that being non-Muslim, married, widowed, or poorer reduces the likelihood of account use than their counterparts. Thus, policies should target the most vulnerable groups of the society. Especially, rural households, women, the Muslim population, the poor, less educated people, and the young should be the focus of financial inclusion endeavors of the Government. Parallel to these policy measures, awareness of opening bank account and financial education programs should be promoted.
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title_short	Financial inclusion and its demand-side determinants
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Financial inclusion and its demand-side determinants : evidence from Ethiopia

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