The paper is an emphasis on the financial sustainability of micro financing in Pakistan where Banks and institution use different products & services that help in reducing the poverty by cooping up with subjective & objective poverty, this study found that banks were more commercialized in terms...

Using a unique district-level panel data set, we investigate the effect of banking system penetration on financial inclusion in Ghana. To purge potential endogeneity bias in the underlying relationship, we exploit a change in the policy environment of the Ghanaian banking system to instrument...

This paper analyses how financially included adults might become unbanked again. Agents of financial inclusion incorporate economic and social constraints in the delivery of formal financial services. These constraints limit the ability of poor banked adults to use basic financial services to...