Determinants of Financial Inclusion: Empirical Evidence From Pakistan

Afnan  Khan; Sher Kamal  Khattak; Shumaila  Hashim

doi:10.54692/ajss.2020.04031108

Afnan Khan IBA, Gomal University D.I.Khan, KPK, Pakistan
Sher Kamal Khattak IBA, Gomal University D.I.Khan, KPK, Pakistan
Shumaila Hashim IBA, Gomal University D.I.Khan, KPK, Pakistan

DOI: https://doi.org/10.54692/ajss.2020.04031108

Keywords: Financial inclusion, Access, Usage, Availability, Pakistan

Abstract

Financial inclusion links the people with the financial system of the country; so that they can use financial services and products to fulfill their basic needs. This research study mainly deals with determinants of financial inclusion in Pakistan. Time series annual data was taken from 2008-2018. Johnson co-integration analysis was employed. Econometric results indicated that access and availability are the strong determinants of financial inclusion in Pakistan.