Global ETD Search
Search theses and dissertations gathered from participating repositories worldwide. Every result links back to the library that holds it. No account is needed.
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Showing 1 to 20 of 35 for “"Financial Exclusion"”.
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Financial exclusion and inclusion : credit union development in Kingston upon Hull
… unions can play in relieving the effects of financial exclusion and poverty throughout Britain. In the context of the growing concerns of 'New Labour' about these issues, credit unions are progressively being posited as one route to a more inclusive society, both in social and economic terms. …
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The role of Islamic finance in tackling financial exclusion in the UK
Abstract The role of Islamic finance in tackling financial exclusion in the UK As the fundamental principles of Islamic finance are socio-economic justice and benevolence (Al-Adle Wal-ihsan), some commentators have raised serious questions about the social benefits that Islamic banks have brought …
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Financial exclusion and banking regulations in the United Kingdom: a template analysis.
… in relation to its effectiveness at promoting financial inclusion. This exploration is conducted through an examination of the changing culture of the banking industry from the 1600's to the present day whilst considering the effect banking regulation has played on financial exclusion and …
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Overcoming financial exclusion: Community Development Finance Institutions (CDFIs) and the balancing of financial and social objectives
… vehicle for the supply of debt finance to financially excluded enterprises. CDFIs are part of a broader approach to addressing financial exclusion that is experienced by commercial and social enterprises in the US and UK. The thesis explores US and UK CDFI lending processes to develop an …
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Access to financial services: towards an understanding of the role and impact of financial exclusion in Sub-Saharan Africa
This thesis investigates the nature and extent of financial inclusion in Sub-Saharan Africa (SSA). It sequentially investigates this in three related studies. The first study examines the impact of access to finance on poverty, while the second investigates the extent to which cross-country …
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Pre-contractual assessments in mortgage loans: Promoting responsible lending or exacerbating financial exclusion? - A comparative study of the South African National Credit Act and the European Mortgage Credit Directive
… loss of their home, and for the stability of the financial system as a whole. The South African and the European legislator have kept up with the trend of implementing pre-contractual assessments as part of the responsible (mortgage) credit regime with the enactment of the South African National …
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Business modelling for inclusive financial services: How to enhance access to financial services for marginalised youth
… a business model that will enhance the access to financial services by marginalised youth. In order to develop such a relevant business model it was necessary to understand the needs and challenges being faced by targeted clients in using and accessing formal financial services. Accessing such …
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Essays on Peer to Peer Lending
… we investigate the funding performance of the financial excluded borrower in a large P2P lending platform. The association of financial technology (fintech) and financial exclusion has attracted attention since rapid growth of fintech innovation. Using loan-level data from a lending Chinese P2P …
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Determining factors that influence financial inclusion among SMEs: the case of Harare Metropolitan
… 50% to GDP. This led to high levels of financial exclusion among the owners of SMEs, as banks cite credit risk as major challenge. Empirical evidence highlighted that 60% of the SMEs were financially excluded. This study explored the factors that influence financial inclusion of SMEs in …
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Assessment of innovative entrepreneurship in the informal sector in Collins Chabane Local Municipality, South Africa
… 26 and 45 years. Despite limited infrastructure, financial exclusion, and weak institutional support, vendors demonstrated adaptive innovations in food sourcing, preparation, hygiene, and customer engagement. Key challenges include limited access to credit, inadequate storage and transport …
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ILLICIT ECONOMICS AND TERRORISM: THE ROLE OF INFORMAL TRADE AND SMUGGLING IN FINANCING TERRORIST ACTIVITIES IN NORTHEAST NIGERIA
… illicit finance in Nigeria, persistent financial exclusion, and the limits of existing counterterrorist financing responses. It argues that terrorist financing is sustained not by regulatory absence, but by structural reliance on cash and informal financial practices, especially in rural …
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Financial inclusion: A look at the institutional and credit organisational enablers in the South African market
… approach towards the poor; this is also true for financial institutions and governments seeking to address financial exclusion or looking to fully bank the under banked in their economies. This study examines the regulatory enablers put in place by the South African government; the organisational …
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Business model innovation towards energy transition in emerging markets: the case of South African coal industry
… decision-makers use to overcome deep-seated financial, operational and cognitive barriers within the constrained context of the South African coal industry. The study utilises the resource-based view (RBV) and dynamic capabilities (DC) as its theoretical lens to explore how decision-makers …
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A New Credit Scoring Model to Reduce Potential Predatory Lending: A Design Science Approach
… issues related to predatory lending and the financial exclusion affecting individuals often categorized as 'credit invisible,' 'credit unscorable,' 'unbanked,' and 'underbanked.' These individuals typically face difficulties in establishing or repairing a credit history, which poses a …
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Barriers to MSMEs growth and performance in the Free State Province: a focus on DFI funded enterprises
… but they face a number of challenges, including financial exclusion, limited entrepreneurial skills, and regulatory burdens. While financial inclusion is a policy priority, its linkage with the performance of MSMEs remains ambiguous. Development Financial Institutions (DFIs) have shown mixed …
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(In)formality in Africa: Exploring the social and cultural factors influencing mobile payment non-adoption by informal traders in Cape Town
… a cash preference creates challenges such as financial exclusion (Bromley, 2006; Donner & Tellez, 2008; Blanco et al., 2009; Bick et al., 2009; Kendall et al., 2014). Recently, with the mobile phone's ubiquity, mobile payments have emerged as one of the ways to enable access to finance for …
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Product design for social impact : a case study of smallholder farmers in Thailand
… value chains: Supply Chain Inefficiencies, Financial Exclusion, and Information Asymmetry. These problems are synergistic and reinforce the vicious cycle of poverty and food insecurity. Growth in agriculture has been shown to be three times more effective in alleviating poverty compared to …
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Fourth industrial banking: case studies into digitising banking models and the foreseeable effects in South Africa
… of the population remain excluded from formal financial services, digital banking methods premised on the technologies of the 4IR have emerged as potential “solutions”. What is often understated, however, that this study highlights, is that such technological advancements hold challenges. …
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A comparative analysis of the regulations governing mobile money services in South Africa and Zimbabwe and their impact on sustainable financial inclusion of the poor and vulnerable people
… unbanked and underbanked people into the formal financial sector. The roll out and success of the service in question has not been smooth in some countries due to stringent financial regulations. The purpose of this study was to conduct a comparative legal analysis of how financial regulations …
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Rethinking the legal and institutional framework for digital financial inclusion in Nigeria
… and 36.8 per cent of Nigerians have no access to financial services due to reasons such as distance, financial illiteracy, irregular income, unemployment and account ineligibility. Justifications for the research include the scale of financial exclusion, the proven capacity of financial inclusion …
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