[
Amakor, I.C., & Eneh, O.M. (2021). Financial inclusion and poverty reduction: an empirical analysis of rural communities in Nigeria. International Journal of Research in Education and Sustainable Development, 1(10), 92 – 100.
]Search in Google Scholar
[
Anisiuba, C.A., Ezeaku, H.C., & Emengini, E.S. (2020). Effect of financial inclusion on entrepreneurial growth in retail and wholesale sub-sectors: Evidence from Nigeria. The Business and Management Review, 11(1), 295 – 304.
]Search in Google Scholar
[
Bannerjee A. V., & Newman A. F. (1993). Occupational choice and the process of development. Journal of Political Economy, 101(2), 274-298.
]Search in Google Scholar
[
Banjere, R., Donato, R., & Maruta, A. (2020). The effects of financial inclusion on development outcomes: New insights from ASEAN and East Asian countries. ERIA Discussion Paper Series, No. 342.
]Search in Google Scholar
[
Campbell, J. Y., & Mankiw N. G. (1990). Permanent income, current income and consumption. Journal of Business and Economic Statistics, 8(3), 265-79.
]Search in Google Scholar
[
CBN (2018). National financial inclusion strategy (Revised). Available at: https://www.cbn.gov.ng/out/2019/ccd/national%20financial%20inclusion%20strategy.pdf
]Search in Google Scholar
[
EFInA (2021). Key Findings: EFInA access to financial services in Nigeria 2020 survey. Available at: https://a2f.ng/wp-content/uploads/2021/06/A2F-2020-Final-Report.pdf
]Search in Google Scholar
[
Emezie, N.M. (2021). Influence of financial inclusion on deposits mobilization in Nigeria (a case study of commercial banks). IOSR Journal of Business and Management (IOSR-JBM), 1(3), 25-29.
]Search in Google Scholar
[
Ene, E.E., Amoke, C.V., Archibong, I.T., Eduno, E.B., & Ogwumu, I. (2022). Financial inclusion and growth of small and medium enterprises in Cross River State, Nigeria. Asian Journal of Economics, Finance and Management, 7(1), 26-32.
]Search in Google Scholar
[
Enueshike, P., & Okpebru, O.O. (2020). Effects of financial inclusion on economic growth in Nigeria (2000 – 2018). IOSR Journal of Research & Method in Education (IOSR-JRME), 10(1), 44-49.
]Search in Google Scholar
[
Gemech, F., & Struthers, J. J. (2003). The Mckinnon-Shaw hypothesis: Thirty years on: A review of recent developments in financial liberalization theory. Paper presented at Development Studies Association (DSA) Annual Conference on “Globalization and Development”, Glasgow, Scotland, September, 2003.
]Search in Google Scholar
[
Ifediora, C., Offor, K.O., Eze, E.F., Takon, S.M., Ageme, A.E., Ibe, G.O., & Onwumere, J.U.J. (2022) Financial inclusion and its impact on economic growth: Empirical evidence from sub-Saharan Africa. Cogent Economics & Finance, 10(1), 2060551. Available at: DOI: 10.1080/23322039.2022.2060551
]Search in Google Scholar
[
Johansen, S. (1995). Likelihood-based inference in cointegrated vector autoregressive models. Oxford University Press: Oxford.
]Search in Google Scholar
[
Khan, N., Zafar, M., Okunlola, A.F., Zoltan, Z., & Robert, M. (2022). Effects of financial inclusion on economic growth, poverty, sustainability, and financial efficiency: Evidence from the G20 countries. Sustainability, 14, 12688. Available at: https://doi.org/10.3390/su141912688
]Search in Google Scholar
[
Kodan, A. S., & Chhikara, K. S. (2013). A Theoretical and quantitative analysis of financial inclusion and economic growth. Management and Labour Studies, 38: 103.
]Search in Google Scholar
[
Kuznyetsova, A., Boiarko, I., Khutorna, M., & Zhezherun, Y. (2022). Development of financial inclusion from the standpoint of ensuring financial stability. Public and Municipal Finance, 11(1), 20-36. Available at: doi:10.21511/pmf.11(1).2022.03
]Search in Google Scholar
[
Maune, A., Matanda, E., & Mundonde, J. (2020). Does financial inclusion cause economic growth in Zimbabwe? An empirical investigation. AUDOE, 16(1), 195-215.
]Search in Google Scholar
[
McKinnon, R.I. (1973). Money and capital in economic development, (Washington: The Brookings Institution).
]Search in Google Scholar
[
Migap, J.P., Ngutsav, A. and Andohol, J. (2020). A causal analysis of financial inclusion, capital market and economic growth in Nigeria. Confluence Journal of Economics and Allied Sciences, 3(3), 1-14.
]Search in Google Scholar
[
Mulungula, A. M., & Nimubona, F. (2022). Digital financial inclusion and trade openness in Africa. Open Journal of Business and Management, 10, 744-777. Available at: https://doi.org/10.4236/ojbm.2022.102042
]Search in Google Scholar
[
Okoye, L.U., Adetiloye, K.A., Erin, O., & Modebe, N.J. (2020). Financial inclusion: A panacea for balanced economic development. 28th IBIMA Conference: Theme -Vision 2020: Innovation Management, Development Sustainability, and Competitive Economic Growth.
]Search in Google Scholar
[
Oladele, A.O., Nteegah, A., Onuchuku, O., & Robinson, M.O. (2021). Financial inclusion, domestic investment and selected macroeconomic performance in Nigeria. International Journal of Economics, Business and Management Research, 5(12), 196 – 226.
]Search in Google Scholar
[
Olusegun, T.S., Evbuomwan, O., & Belonwu, M.C. (2021). Does financial inclusion promote financial stability in Nigeria? Central Bank of Nigeria Economic and Financial Review, 59(1), 77-99.
]Search in Google Scholar
[
Onaolapo, A.R. (2015). Effects of financial inclusion on the economic growth of Nigeria (1982-2012). International Journal of Business and Management Review, 3(8), 11-28.
]Search in Google Scholar
[
Ozili, P.K. (2022). Financial inclusion in Nigeria: An overview. Munich Personal RePEc Archive (MPRA). Online at: https://mpra.ub.uni-muenchen.de/113572/MPRA Paper No. 113572, posted 30 Jun 2022 07:09 UTC
]Search in Google Scholar
[
Pujiharjanto, P.C.A., & Astuti, R.D. (2020). The impact of financial inclusion on economic growth in Indonesia: Panel Data 34 Province. “Veteran” Yogyakarta Conference Series Proceeding on Economic and Business Series (EBS), 1(1), 236-241.
]Search in Google Scholar
[
Rashid, A., & Intartaglia, M. (2017). Financial development – does it lessen poverty? Journal of Economic Studies, 44(1), 69 – 86.
]Search in Google Scholar
[
Ratnawati, K. (2020). The impact of financial inclusion on economic growth, poverty, income inequality, and financial stability in Asia. Journal of Asian Finance, Economics and Business, 7(10), 73–85.
]Search in Google Scholar
[
Rekha, G., Rajamani, K., & Resmi, G. (2021). Digital financial inclusion, economic freedom, financial development, and growth: Implications from a panel data analysis. Working Paper 1244. Tokyo: Asian Development Bank Institute (ADBI). Available at: https://www.adb.org/sites/default/files/publication/692481/adbi-wp1244.pdf
]Search in Google Scholar
[
Sarpong, B., & Nketiah-Amponsah, E. (2022). Financial inclusion and inclusive growth in sub-Saharan Africa (SSA). Cogent Economics & Finance, 10: 2058734 https://doi.org/10.1080/23322039.2022.2058734
]Search in Google Scholar
[
Schumpeter, J. (1912). The theory of economic development: An inquiry into profits, capital, credit, interest and the business cycle. Leipzig, Germany: Dunker & Humboldt.
]Search in Google Scholar
[
Shihadeh, F. (2020). The influence of financial inclusion on banks’ performance and risk: new evidence from MENAP. Banks and Bank Systems, 15(1), 59-71. Available at: doi:10.21511/bbs.15(1).2020.07
]Search in Google Scholar
[
Shaw, E. (1973). Financial deepening in economic development, New York: Oxford University Press.
]Search in Google Scholar
[
Tissot, B., & Gadanecz, B. (2017). Measures of financial inclusion - A central bank perspective. Measures of financial inclusion - a central bank perspective. Irving Fisher Committee on Central Bank Statistics. Available at: https://www.bis.org/ifc/publ/ifcb47q_rh.pdf
]Search in Google Scholar
[
Tok, Y.W., & Heng, D. (2022). Fintech: Financial inclusion or exclusion? International Monetary Funds (IMF) Working Paper. Institute of Capacity Development, WP/22/80.
]Search in Google Scholar
[
UNCTAD (2020). Financial inclusion for development: Better access to financial services for women, the poor, and migrant work. Retrieved from: https://unctad.org/system/files/official-document/ditctncd2020d6_en.pdf 23/12/2022
]Search in Google Scholar
[
Uruakpa, N.I., Kalu, U.K., & Ufomadu, O.A. (2019). Impact of financial inclusion on economic growth of Nigeria. International Journal of Sustainable Development, 12(2), 46 – 58.
]Search in Google Scholar
[
Van, D.T., & Linh, N.H. (2019). The impacts of financial inclusion on economic development: cases in Asian‑Pacific countries. Comparative Economic Research. Central and Eastern Europe, 22(1), 1-16. Available at: http://doi.org/10.2478/cer-2019-0001
]Search in Google Scholar
[
World Bank (2022). World Development Report> Available at: https://openknowledge.worldbank.org/bitstream/handle/10986/36883/9781464817304.pdf
]Search in Google Scholar
[
Zulfiqar, K., Chaudhary, M. A., & Aslam, A. (2016). Financial inclusion and its implications for inclusive growth in Pakistan. Pakistan Economic and Social Review, 54(2), 297–325. Available at: https://www.jstor.org/stable/26616711
]Search in Google Scholar