The impact of financial literacy on financial inclusion

被引：0
|
作者：
Reddy, Krishna [1 ]
Wallace, Damien [2 ,3 ]
Wellalage, Nirosha Hewa [3 ]
机构：
[1] Te Pukenga, Toi Ohomai Inst Technol, Postgrad Business, Fac Business Design & Serv Ind, Rotorua, New Zealand
[2] James Cook Univ, Coll Business Law & Governance, James Cook Dr, Townsville, Qld 4811, Australia
[3] Univ South Australia, UniSA Business, Adelaide, SA, Australia
来源：
AUSTRALIAN JOURNAL OF MANAGEMENT | 2024年
关键词：
Female; financial inclusion; financial literacy; New Zealand; micro; small and medium enterprises; GENDER; BEHAVIOR; RISK;
D O I：
10.1177/03128962241270809
中图分类号：
F [经济];
学科分类号：
02 ;
摘要：
Using survey data of owners of micro, small and medium enterprises (MSMEs), we investigate the nexus between financial literacy (FL) and financial inclusion (FI). Furthermore, we examine whether the FL_FI nexus is different by gender. Our results show that FL has statistically significant positive effects on all three dimensions of FI (access, usage and quality). Our findings highlight policy implications for countries desiring to enhance FI by improving the financial literacy and education levels of MSME owners. Furthermore, our findings suggest that targeted financial education programmes result in better outcomes.JEL Classification: G10, G50, G53
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页数：28
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