ビジネス＆財務ジャーナル

Financial Inclusion: Access and Extent of Getting Financial Services

Abstract

Tirngo Dinku

As financial inclusion is the access to get financial services such as saving, loan, insurance and others easily at an affordable cost, this study aims at examining the extent of financial inclusion in Ethiopia with special reference to Amhara region and role of banks in the financial inclusion. The extent of financial inclusion is assessed by considering three indicators to financial inclusion; having a bank account, access to loan and access to insurance. The data collected as distributed questionnaire from 124 respondents. The result access to have a bank account is high, especially for government employees who take salary through banks but still it is low for women, unemployed and selfemployed respondents, whereas access to get loan from formal financial institutions is very low and it is almost none in getting insurance services.