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An Empirical Analysis of Financial Inclusion Across Population Groups in India

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  • Nitin Kumar

Abstract

The financial inclusion mission has gained tremendous relevance in an emerging economy like India. Financial exclusion seems to be more severe in rural and backward locations. In this respect, the current analysis is an attempt to explore the behavior of inclusion/ exclusion across varied population groups. The pooled dataset spanning over the period from 1990 to 2008 for rural and urban regions separately has been employed. A set of control variables have been included to disentangle the role of various demographic and institutional factors. Bank group size, as captured by assets, has a direct influence on the number of operating branches. Ownership effect also plays a key role in determining the number of branches operating. Test of convergence has been carried out to examine if lesser branched regions are catching up with their counterparts with higher branch network. Evidence of conditional convergence has been found. Finally, structural change has also been observed in terms of the number of functioning branches. The result is a testimony to the fact that inclusion policies are actually translating into significant improvement of branch density in India.

Suggested Citation

  • Nitin Kumar, 2012. "An Empirical Analysis of Financial Inclusion Across Population Groups in India," The IUP Journal of Bank Management, IUP Publications, vol. 0(1), pages 97-111, February.
    • Handle: RePEc:icf:icfjbm:v:10:y:2012:i:1:p:97-111
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    Cited by:

    1. Nitin Kumar & Rudra Sensarma, 2017. "Efficiency of Microfinance Institutions in India: A Stochastic Distance Function Approach," Journal of Emerging Market Finance, Institute for Financial Management and Research, vol. 16(2), pages 151-168, August.
    2. David Damiyano & Stephen Mago, 2023. "An Analysis of the Impact of Financial Inclusion on Poverty and Development: Case of SACU Countries," International Journal of Economics and Financial Issues, Econjournals, vol. 13(6), pages 141-147, November.
    3. Antonella Francesca Cicchiello & Amirreza Kazemikhasragh & Stefano Monferrá & Alicia Girón, 2021. "Financial inclusion and development in the least developed countries in Asia and Africa," Journal of Innovation and Entrepreneurship, Springer, vol. 10(1), pages 1-13, December.
    4. Ndlovu, Godfrey & Toerien, Francois, 2020. "The distributional impact of access to finance on poverty: evidence from selected countries in Sub-Saharan Africa," Research in International Business and Finance, Elsevier, vol. 52(C).

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