DETERMINANTS OF FINANCIAL INCLUSION: EMPIRICAL EVIDENCE FROM PAKISTAN

Authors

  • Afnan Khan Gomal University D.I.Khan
  • Sher Kamal Khattak Gomal University D.I.Khan
  • Shumaila Hashim at Gomal University D.I.Khan

DOI:

https://doi.org/10.54692/ajss.2020.431108

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.

Author Biographies

Afnan Khan, Gomal University D.I.Khan

PhD Scholar

Sher Kamal Khattak, Gomal University D.I.Khan

Professor

Shumaila Hashim, at Gomal University D.I.Khan

Associate Professor

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Published

2026-02-25

Issue

Vol. 4 No. 3 (2020): 2020

Section

Articles