Figure 1
A diagram of factors influencing financial inclusion. The central component is financial inclusion, which is broken down into three subcategories: access, usage, and quality. Surrounding this central component are various independent variables that influence financial inclusion. On the left side, there are three categories: demographics, which includes age and gender; socio-economic, which includes education and employment; and location/access, which includes distance from bank. On the right side, there are three additional categories: economic, which includes income level; group affiliation, which includes SHG membership; and socio-cultural, which includes religion. Arrows point from each of these independent variables towards the central component, indicating their influence on financial inclusion.Factors influencing financial inclusion. Source: Authors’ work