文章基本信息

标题：rmining and Forecasting Financial Inclusion in Northern Ghana Using Discriminant Analysis
本地全文：下载
作者：Issahaku Yakubu ; Romanus Dinye ; Daniel Buor 等
期刊名称：International Research Journal of Finance and Economics
印刷版ISSN：1450-2887
电子版ISSN：1450-2887
出版年度：2017
期号：163
页码：60-72
出版社：European Journals Inc.
摘要：Poverty and income inequality remain a serious challenge in Northern Ghana. Given the causal link between financial inclusion and poverty reduction, this paper aims at estimating a discriminant function model to analyze the determinants of financial inclusion in Northern Ghana. The study is mainly based on primary data elicited through survey questionnaires. Even though the minimum sample size was determined to be 385 households, a total of 400 households were selected systematically, out of which 395 households returned their questionnaires for analysis. The estimated discriminant function model was found to be significant at the 1% level of significance. It was also found that, the most significant determinants of financial inclusion in Northern Ghana (in order of importance) are “Age”, “Cost”, “Capability”, “Literacy”, “Distance”, and “Employment”. Overall, 72.4% of the cases were correctly classified by the estimated model. This paper therefore concludes that there is the need for Government and donors to make coordinated efforts towards addressing these determinants so as to broaden financial inclusion, thereby contributing to poverty reduction and lower income inequalities in the area.
关键词：Financial Inclusion; Discriminant Analysis; Determinants; Northern Ghana