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financial inclusion and carbon emissions in Asia:Implications for environmental sustainability

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Economic and Political Studies 2024年第1期12卷 88-104页

作者： Shahzad Hussain Tanveer Ahmad Sabeeh Ullah Ajid Ur Rehman Syed Jawad Hussain Shahzad Department of Business Administration Rawalpindi Women UniversityRawalpindiPakistan Institute of Business Studies Kohat University of Science and TechnologyKohatPakistan Institute of Business and Management Sciences Faculty of Management and Computer SciencesThe University of AgriculturePeshawarPakistan NUST Business School National University of Sciences and TechnologyIslamabadPakistan Finance Control and Law DepartmentMontpellier Business SchoolMontpellierFrance

This study explores how carbon emissions are affected by financial *** a balanced panel data set of 26 Asian countries,we compute a composite index,through the principal component analysis(PCA)technique,of financial inclusion based on a set of attributes related to financial *** main analysis also delineates the subsamples of developed and developing Asian *** results reveal a long(short)-run positive(negative)impact of financial inclusion on carbon emissions across the Asian *** finding is also true for the developed country subsample,implying nonlinearity in shortand long-run *** the developing countries,a more pronounced long-run positive impact compared to developed countries is ***,the pairwise causality test results indicate the existence of bi-directional causality between financial inclusion and carbon *** findings have important policy implications,especially in the context of the strategic integration of financial inclusion and climate change strategies.

关键词： financial inclusion CO_(2) emissions climate change sustainable development Asian countries

Investigating the implications of technological innovations,financial inclusion,and renewable energy in diminishing ecological footprints levels in emerging economies

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Geoscience Frontiers 2023年第6期14卷 341-357页

作者： Najia Saqib Ilhan Ozturk Muhammad Usman Department of Finance College of Business AdministrationPrince Sultan UniversityRiyadhSaudi Arabia College of Business Administration University of SharjahSharjahUAE Faculty of Economics Administrative and Social SciencesNisantasi UniversityIstanbulTurkey School of Economics and Management and Center for Industrial EconomicsWuhan UniversityWuhan430072China

The correlation between technological innovation,economic growth,renewable energy,and ecological footprint carries significant policy implications for environmental ***,financial inclusion can drastically affect the technology-climate nexus across different countries and its moderating impacts have received sufficient *** do this,this study examined how technological innovation,financial inclusion,economic growth,and renewable energy affected emerging economies’ecological footprint from 1990 to ***,this study also scrutinizes the moderating role of financial inclusion with other regressors on ecological *** account for structural shifts,disguised cointegration,and numerous breaks in panel regression,this study applies advanced panel estimation methods for empirical *** estimated outcomes exhibit that the influence of technical innovation,climate technologies,and renewable energy significantly reduces the ecological footprint ***,economic growth and financial inclusion significantly increase the ecological footprint levels in the emerging ***,the integration of innovative technology and renewable energy in emerging countries mitigates the adverse effects of financial inclusion by making it easier for creative technologies and reducing ecological *** results show that emerging countries’innovative technology and renewable energy sources should be integrated with financial inclusion to enable longterm mitigation of environmental damages and sustainable *** on these estimated findings,the research recommends that emerging economies should hasten technological innovations along with stronger financial development to curtail ecological concerns without hindering the pace of sustainable economic growth.

关键词： Environmental-related technology financial inclusion Renewable energy Ecological footprints Emerging countries

The impact of financial inclusion on digital payment solution uptake within the Gulf Cooperation Council Economies

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International Journal of Innovation Studies 2023年第1期7卷 1-17页

作者： Ibrahim Niankara College of Business Al Ain UniversityP.O.Box112612Abu DhabiUnited Arab Emirates

Recognizing the role of society in the sustainability of payment system innovation through the quadruple helix framework,this study analyzes the causal influence of demand-side financial inclusion indicators on society's uptake of digital payment solutions(DPS)within the regional economy of the Gulf Cooperation *** this end,the present study relies on data extracted from Global Findex surveys(in 2014 and 2017),as well as the economic theory of random utility maximization,to model individuals'DPS uptake decisions“ceteris paribus.”The maximum likelihood estimation revealed no gender-based gradient in DPS uptake behaviors;additionally,financial inclusion indicators such as transaction account ownership and debit card ownership did not significantly influence endogenous or exogenous DPS uptake decisions between 2013 and ***,all remaining financial inclusion indicators did significantly influence DPS *** these findings through the lens of open innovation and the ongoing efforts from the Arab Regional Payment System project,which seeks to expand financial inclusion by facilitating access to transaction accounts,there is reasonable evidence to suggest that complementary financial inclusion policies addressing the use dimension of DPS(i.e.,extending access to saving and borrowing,along with digital payroll practices for both private and public enterprises)would contribute to more effective policy on financial inclusion in the region.

关键词： Digital payment solution Gulf Cooperation Council Electronic payment system financial inclusion Open innovation Quadruple helix Regional economy

Has expansion of mobile phone and internet use spurred financial inclusion in the SAARC countries?

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financial Innovation 2018年第1期4卷 89-107页

作者： Sanjaya Kumar Lenka Rajesh Barik Consumer Unity&Trust Society(CUTS)International(a global independent non-profit economic policy research and advocacy organization) D-217Bhaskar MargBani ParkJaipurRajasthan-302016India School of Humanities and Social Sciences Indian Institute of TechnologySimrol CampusKhandwa RoadIndore 453552India.

Exclusion from the mainstream financial world is a burden on the poor of many *** proliferation of new mobile and online financial services,such as e-banking,money transfers,and payment processing has the potential to provide access to basic financial products and services to financially excluded *** purpose of this study was to investigate the effects of the growth of mobile phone and Internet use on financial inclusion in the South Asian Association for Regional Cooperation(SAARC)countries from 2004 to *** applied principal component analysis to construct a financial inclusion index that served as a proxy variable for the accessibility of financial services in the SAARC *** three different models-the fixed effect,random effect,and panel correction standard errors modelsthis study discovered a positive and significant relationship between the growth of financial inclusion and expansion of both mobile phone and Internet ***,an empirical study of the control variables showed that the levels of income and education were positively associated with financial inclusion,whereas the size of the rural population and unemployment were negatively related to financial *** addition,the empirical estimates posit a unidirectional causal flow from the growth of mobile and Internet services to expanded financial inclusion in the SAARC countries.

关键词： financial inclusion Fixed effect Random effect Panel corrected standard errors SAARC

Climate change and financing adaptation by farmers in northern Nigeria

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financial Innovation 2018年第1期4卷 175-191页

作者： Terfa W.Abraham William M.Fonta National Institute for Legislative&Democratic Studies(NILDS) No.1 River Niger StreetMaitamaAbujaNigeria WASCAL Competence Centre OuagadoudouBurkina Faso.

This paper examines farmers’perceptions of their exposure to climate change in rural northern *** also examines whether there is a significant relationship between the exposure of farmers to climate change and their need for financial access as an adaptation *** were administered to 320 respondents in rural communities in northern *** analysis shows that rural farmers are affected by climate change through increased temperature,prolonged dry seasons,floods,and drought,which lead to low harvest and,in turn,low *** estimate from a non-parametric test also shows a significant relationship between farmers’perceived exposure to climate change and their need for *** the Spearman correlation results show a 63%association between exposure to climate change and the need for finance,96%of those seeking credit to mitigate these impacts would be unable to do so due to financial *** paper recommends that the Central Bank of Nigeria should ensure that microfinance institutions refocus their products/services to those who need them the most in order to enhance access to financial resources and enable farmers to build resilience that will maximize post-harvest ***,considering that climate change is a global phenomenon with local effects,perhaps the international community could support lending to smallholder farmers through central banks by insuring the loans that banks give to farmers towards financing climate change adaptation strategies.

关键词： Rural households Farm income Climate change financial inclusion

Do migrant remittances matter for financial development in Kenya?

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financial Innovation 2019年第1期5卷 541-565页

作者： Roseline Nyakerario Misati Anne Kamau Hared Nassir Research Department Central Bank of KenyaNairobi 60000-00200Kenya African Institute for Remittances Nairobi 52448-00200Kenya

The paper analyzes the relationship between remittances and financial development using Kenyan quarterly data from 2006 to *** different indicators of financial development are used:credit to the private sector as a share of GDP,the number of mobile transactions,the value of these mobile transactions,the number of mobile agents,and the number of bank *** results from using an autoregressive distributed lag demonstrate a strong,positive relationship between remittances and financial development in long-run *** suggests that higher levels of remittances provide opportunities for recipients to open bank accounts,enhance their savings,and access financial systems,in addition to exposing the previously unbanked to both new and existing financial *** results also confirm the potential advantage of embracing modern and advanced technology to facilitate international mobile *** international remittance transfers through mobile technology reduces costs by eliminating the need for physical branches and personnel to attend to walk-in *** from offering convenience and safety for remittance actors,this method also dominates traditional remittance business ***,a policy window exists for the government to leverage on remittances as a tool of financial inclusion and depth,and particularly through the continued expansion of regulatory space to accommodate the wider use of international mobile remittance transfer ***,given the strong,positive relationship between remittances and credit to the private sector as indicated by its share of GDP and number of bank accounts,commercial banks and other players in the remittance market may also find it useful to develop customized products for migrants to access their *** example,financial intermediaries can consider providing better deposit interest rates for diaspora deposits compared to deposits made in the local ***,these institut

关键词： Remittances financial inclusion Technology

A study of the factors affecting mobile money penetration rates in the West African Economic and Monetary Union (WAEMU) compared with East Africa

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financial Innovation 2021年第1期7卷 536-561页

作者： Sionfou Seydou Coulibaly Department of Economics and Management University Félix Houphouët Boigny of AbidjanCocodyPO Box:01 BP 974 Abidjan 01AbidjanCôte d’Ivoire

According to the 2017 Global financial inclusion(Global Findex)database,the average penetration rate of mobile money accounts in East Africa is higher than that of the *** study attempts to understand the factors driving the adoption and the use of mobile financial services in the WAEMU compared to East *** achieve this,micro-level data from the 2017 Global Findex database are used to perform probit and multinomial logit *** findings reveal that the same determinants influence the adoption and use of mobile money accounts across the populations of both groups of countries,specifically those related to the least vulnerable social categories(i.e.,males,older,more educated,richer and part of the workforce).Therefore,in comparison to East Africa,the delay in the penetration of mobile money accounts observed in the WAEMU may be attributed to insufficient policies for increasing the awareness of the benefits of mobile financial *** study recommends that governments in WAEMU countries promote the use of mobile money accounts among the working-age population(adults aged between 25 and 64)through the improvement of individual income level,and the introduction of incentives into the education system to encourage their population to attain higher levels of education.

关键词： financial inclusion Mobile money Probit Multinomial logit East Africa WAEMU

How does financial literacy impact on inclusive finance?

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financial Innovation 2021年第1期7卷 854-876页

作者： Morshadul Hasan Thi Le Ariful Hoque Murdoch Business School Murdoch UniversityPerth 6150Australia

Inclusive finance is a core concept of finance that makes various financial products and services accessible and affordable to all individuals and businesses,especially those excluded from the formal financial *** of the leading forces affecting people’s ability to access financial services in rural areas is financial *** study investigated the impacts of financial knowledge on financial access through banking,microfinance,and fintech access using the Bangladesh rural population *** employed three econometrics models:logistic regression,probit regression,and complementary log–log regression to examine whether financial literacy significantly affects removing the barriers that prevent people from participating and using financial services to improve their *** empirical findings showed that knowledge regarding various financial services factors had significant impacts on getting financial *** variables such as profession,income level,knowledge regarding depositing and withdrawing money,and knowledge regarding interest rate highly affected the overall access to *** study’s results provide valuable recommendations for the policymaker to improve financial inclusion in the developing country context.A comprehensive and long-term education program should be delivered broadly to the rural population to make a big stride in financial inclusion,a key driver of poverty reduction and prosperity boosting.

关键词： financial knowledge financial literacy Bank Microfinance FinTech financial inclusion Inclusive finance Bangladesh Knowledge economy

Estimating the effects of financial access on poor farmers in rural northern Nigeria

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financial Innovation 2018年第1期4卷 361-380页

作者： Terfa W.Abraham National Institute for Legislative and Democratic Studies(NILDS) No 1 River Niger StreetMaitamaAbujaNigeria

By recognizing the gap in the literature in examining the effects of financial resources and development outcomes at the household level,this paper examines whether the poorest income quintile would benefit most from programs aimed at increasing their access to financial services in rural northern *** households from this part of the world consist of farmers and,hence,are exposed to the vagaries of climate *** data from 320 questionnaires administered in two rural communities(Rijau and Fakai)were analyzed using an ordered logit regression *** results showed that access to financial services by using formal financial institutions and farmer savings clubs benefits vulnerable farmers(mostly women).The robustness check using the Brant test also confirmed that the parallel regression assumption of the model was not violated.A policy scenario that seeks to increase the delivery of financial services to rural farm households using community savings clubs and microfinance institution reforms for reaching the financially underserved was also found to benefit the poorest income quintile,hence,bringing them out of poverty.

关键词： Rural households Farm income Climate change financial inclusion