Electronic Theses and Dissertations



Document Type


Degree Name

Master of Arts



Committee Chair

Junmin Wang

Committee Member

Wesley Dr. James

Committee Member

Joseph Dr. Lariscy


Individuals may become financially vulnerable due to a lack of financial inclusion and services leading to a bad impact on a country’s economy. Earlier research suggests only limited studies were conducted on Bangladesh, a South Asian lower-middle income nation in case of formal finance. This study examines access to financial inclusion of Bangladesh where the analysis from 2017 Global Findex Dataset depicts the status of financial inclusion on different demographic segments. The findings show that larger usages of formal accounts, savings, and credits are strongly correlated with higher earnings and better education. Men and people in the working age range (25 to 54) have greater access to financial inclusion. In Bangladesh, borrowing from informal sources (e.g., family, relatives, or friends) is very common. The study offers evidence on account ownership, formal credit, formal saving in Bangladesh. It also discusses obstacles to financial inclusion and personality traits linked to financial exclusion.


Data is provided by the student.

Library Comment

Dissertation or thesis originally submitted to ProQuest


Open Access