000			01774nam a22001457a 4500
999			_c524148 _d524148
008			231030b ||||| |||| 00| 0 eng d
100			_aYadav, Rajat Singh and Reddy, Kalluru Siva _945346
245			_aBanking or under-banking: Spatial role of financial inclusion and exclusion
260			_aInternational Journal of Rural Management
300			_a19(1), Apr, 2023: p.7-25
520			_aAccess to bank account is only a part of the problem when we talk of financial inclusion because several people with a bank account are not necessarily using them to deposit their savings or carry out transactions. This article makes an attempt to examine the reasons for low utilisation of banking facilities. It employs financial inclusion insights (FII) data for Indian population to find out an outcome of financial inclusion (and thus social inclusion as well) based on the usage of banking services with covariates like financial literacy, the probability that any financial service is accessible to the respondent in terms distance, type of mobile phone and spatial density. We use truncated probit model to measure the incidence of under-banking. Our findings show that there is a negative association between supply-side constraints and usage of banking services, implying that low access to financial services in time and space stands as a hindrance to financial inclusion. Further, we find from the financial inclusion and exclusion map at the district level that even though economic agents intend to participate in the space in which he/she is living is not much inclusive. – Reproduced • https://journals.sagepub.com/doi/abs/10.1177/09730052211037110
773			_aInternational Journal of Rural Management
906			_aBANKING AND FINANCE
942			_cAR