The DOI matches its Crossref record; 23 of the 23 references it cites were found in a registry or an index.
Financial Inclusion and Development
Abstract
An important question raised in the literature is whether development leads to an all-inclusive financial system. This paper attempts to examine the relationship between financial inclusion and development by empirically identifying country specific factors that are associated with the level of financial inclusion. It finds that levels of human development and financial inclusion in a country move closely with each other. Among socio-economic and infrastructure related factors, income, inequality, literacy, urbanisation and physical infrastructure for connectivity and information are important. Health of the banking sector does not seem to have an unambiguous effect on financial inclusion whereas ownership pattern does seem to matter. Copyright © 2010 John Wiley & Sons, Ltd.
Overview
The claims and statistics of this paper haven’t been checked yet.
Run the check — free, no account needed. It reads the open-access text and checks the sources it cites.
Integrity signals
Registry
Cites
Statistics
Verification
Claims the paper makes
The claims and statistics of this paper haven’t been checked yet.
Run the check — free, no account needed. It reads the open-access text and checks the sources it cites.
Self-check
Percentages, sums and reported differences re-computed from the paper’s own numbers.
The self-check needs the paper’s full text.
Citations
Cites
Finance and Growth: Theory and Evidence
Levine, R. (2004) · National Bureau of Economic Research · doi:10.3386/w10766 · Cited by 3,545
The Miracle of Microfinance? Evidence from a Randomized Evaluation
Banerjee, A., Duflo, E., Glennerster, R., & Kinnan, C. (2015) · American Economic Journal: Applied Economics · doi:10.1257/app.20130533 · Cited by 2,076
Women and men in the informal economy: a statistical picture
Bonnet, F. (2018) · Cited by 1,573
‘Do rural banks matter? Evidence from the Indian social banking experiment’
Burgess, R., & Pande, R. (2005) · American Economic Review · doi:10.1257/0002828054201242 · Cited by 1,480
Measuring Financial Inclusion: The Global Findex Database
Demirguc-Kunt, A., & Klapper, L. (2012) · World Bank, Washington, DC eBooks · doi:10.1596/1813-9450-6025 · Cited by 1,440
Reaching out: Access to and use of banking services across countries
Beck, T., Demirguc-Kunt, A., & Martinez Peria, M. S. (2007) · Journal of Financial Economics · doi:10.1016/j.jfineco.2006.07.002 · Cited by 1,166
Agricultural Decisions after Relaxing Credit and Risk Constraints *
Karlan, D., Osei, R., Osei-Akoto, I., & Udry, C. (2014) · The Quarterly Journal of Economics · doi:10.1093/qje/qju002 · Cited by 1,056
The ability of banks to lend to informationally opaque small businesses
Berger, A. N., Klapper, L. F., & Udell, G. F. (2001) · Journal of Banking & Finance · doi:10.1016/s0378-4266(01)00189-3 · Cited by 976
Savings Constraints and Microenterprise Development: Evidence from a Field Experiment in Kenya
Dupas, P., & Robinson, J. (2013) · American Economic Journal: Applied Economics · doi:10.1257/app.5.1.163 · Cited by 959
Portfolios of the poor: how the world's poor live on $2 a day
(2009) · Choice Reviews Online · doi:10.5860/choice.47-0985 · Cited by 945
Cited by
Financial inclusion and economic growth in OIC countries
Kim, D.-W., Yu, J.-S., & Hassan, M. K. (2018) · Research in International Business and Finance · doi:10.1016/j.ribaf.2017.07.178 · Cited by 699
Inequality, ICT and financial access in Africa
Tchamyou, V. S., Erreygers, G., & Cassimon, D. (2019) · Technological Forecasting and Social Change · doi:10.1016/j.techfore.2018.11.004 · Cited by 653
Can digital financial inclusion promote China's economic growth?
Liu, Y., Luan, L., Wu, W., Zhang, Z., & Hsu, Y. (2021) · International Review of Financial Analysis · doi:10.1016/j.irfa.2021.101889 · Cited by 584
Ozturk, I., & Ullah, S. (2022) · Resources Conservation and Recycling · doi:10.1016/j.resconrec.2022.106489 · Cited by 480
Nexus between financial inclusion and economic growth: Evidence from the emerging Indian economy
Sharma, D. (2016) · Journal of Financial Economic Policy · doi:10.1108/jfep-01-2015-0004 · Cited by 382
Metadata
- Authors
- Sarma, M., & Pais, J.
- Venue
- Journal of International Development
- Publisher
- Wiley
- Published
- 2010-05-07
- Volume
- 23
- Issue
- 5
- Pages
- 613-628
- ISSN
- 0954-1748 (ISSN-L)
- OpenAlex
- W2163723928
- Cited by
- 1,208
- References
- 23
- FWCI
- 7.47
- Type
- journal article
- Language
- en
- Open access
- closed
About these checks
Registry, retraction, Cites and statistics results are computed, not judged, with one exception: a printed reference that no index lists is read once by a model before it counts as a citation error. Claims are extracted by a model and kept only when their quote appears verbatim in the text; each cited source is then checked, with a model’s help, for whether it says what the claim relies on. Those verdicts can be wrong — read the claim’s quote and the cited source before relying on one.
Statistics and arithmetic are recomputed, not judged.
Confidence bands are shown only for fields calibrated on our annotated test set. None is calibrated yet, so no band is shown.
What counts as a claim ›How we measure confidence ›How we check this ›
Are you an author, or do you see a problem with this page? Request a review
How to cite
Cite CoChat for the checks on this page, and the paper for its own findings.
- This page
- CoChat. (2026). Citation check: Financial Inclusion and Development. https://app.cochat.ai/papers/10.1002/jid.1698
- The paper
- Sarma, M., & Pais, J. (2011). Financial Inclusion and Development. Journal of International Development. https://doi.org/10.1002/jid.1698
Data sources
Bibliographic data: Semantic Scholar, OpenAlex, Crossref.
Contains information from the Semantic Scholar Academic Graph Datasets, made available under the ODC Attribution License (ODC-BY 1.0).
Semantic Scholar’s data is described in: Kinney, R., et al. (2023). The Semantic Scholar Open Data Platform. arXiv:2301.10140.