Impact of Availability Dimension of Financial Inclusion on Poverty in Selected Developing Countries

Ewah, Evelyn Bassey (2024) Impact of Availability Dimension of Financial Inclusion on Poverty in Selected Developing Countries. International Journal of Innovative Research in Social Sciences and Strategic Management Techniques, 11 (1). pp. 601-611. ISSN 2467-8155

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Abstract

This paper examined the relationship between the availability dimension of financial inclusion and poverty reduction in selected developing countries between 2012 and 2019. Using time series data and subjecting it to the necessary pre-regression diagnostic tests, the study employed appropriate estimators to determine the impact of financial infrastructure on poverty outcomes. The findings revealed that the availability dimension of financial inclusion—measured through the number of commercial bank branches, microfinance institutions, ATMs, and mobile money outlets per 100,000 adults—has a negative and statistically significant effect on poverty. This implies that improved accessibility of financial services contributes to reducing the poverty headcount by enabling a wider section of the population, particularly in rural and underserved areas, to participate in the financial system. Based on these findings, the paper recommends the adoption of policies that foster collaboration between monetary authorities and financial institutions to expand outreach. Importantly, bank expansion strategies should not be driven solely by profitability but should emphasise inclusivity, thereby enhance financial access and promote sustainable poverty alleviation.

Item Type:	Article
Subjects:	H Social Sciences > HG Finance
Divisions:	Faculty of Management and Social Sciences
Depositing User:	mrs chioma hannah
Date Deposited:	19 Aug 2025 11:23
Last Modified:	19 Aug 2025 11:23
URI:	http://eprints.gouni.edu.ng/id/eprint/5086

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