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Indian Journal of Economics and Development
Year : 2019, Volume : 15, Issue : 2
First page : ( 307) Last page : ( 311)
Print ISSN : 2277-5412. Online ISSN : 2322-0430.
Article DOI : 10.5958/2322-0430.2019.00038.6

Degree of Influence of Determinants on Financial Inclusion-A Study among Rural Households of Tamil Nadu

Krishnakumare B.1,*, Singh Saurabh2

1Research Scholar, College of Agri-Business Management, G.B.P.U.A&T, Pantnagar (Udham Singh Nagar), Uttarakhand, 263145

2Assistant Professor, College of Agri-Business Management, G.B.P.U.A&T, Pantnagar (Udham Singh Nagar), Uttarakhand, 263145

*Corresponding author's email: krishnaagri@hotmail.com

JEL Codes G10, G21, C25.

Online published on 4 July, 2019.


This study estimated the degree of influence of different demographic factors on financial inclusion based on the data collected from 640 respondents from the rural households of Tamil Nadu during the year 2018. Binomial logistic regression was employed to identify the demographic characteristics which influencing financial inclusion among the respondents. The results revealed that the respondents who were either employed or self-employed showed a greater probability of being financially included than housewives, retired persons, students, and those who were unemployed. Besides, having a gas connection in the household, the frequency of bus to town and financial literacy had a positive influence on being financially included, whereas, the factors such as the distance of the village from the banks, and respondents being unemployed showed a negative influence on the financial inclusion of the respondents.



Determinants, financial inclusion, financial literacy, rural households.


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