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 summarizes financial inclusion initiatives of Government of India (GOI) and RBI. To accelerate the growth and development, the access to easy available credit and many other financial services to the vulnerable and poor groups are considered as a prior condition. The aim of Financial...

Agent banking is at a very primary stage in Bangladesh. This discussion paper attempts to address the key issues related to the development of agent banking operations and their effectiveness in financial inclusion in Bangladesh. Using primary and secondary data, we find that the effectiveness...