Inclusive finance, bank pricing behaviour, and livelihood activities of households in Ghana

Ahamed MM, Mallick SK (2017) Is financial inclusion good for bank stability? International evidence. J Econ Behav Organ 157:403–427

Allen F, Demirguc-Kunt A, Klapper L, Martinez Peria MS (2016) The foundations of financial inclusion: understanding ownership and use of formal accounts. J Financ Intermediat 27:1–30

Amidu M (2015) Do Sub-Saharan African banks with market power gain from monetary policy? Afr J Finance 17(2):1–24

Berry J, Karlan D, Pradhan M (2018) The impact of financial education for youth in Ghana. World Dev 102:71–89

CGAP (2015) The consultative group to assist the poor. 2015 annual report on financial inclusion. Washington DC, US

Chikalipah S (2017) What determines financial inclusion in Sub-Saharan Africa? Afr J Econ Manag Stud 8(1):8–18

Choudhury MS (2015) Financial inclusion in Bangladesh: evidence from two villages. J Exclus Stud 5(2):113–128

Cole S, Sampson T, Zia B (2011) Price or knowledge? What drives demand for financial services in emerging markets? J Finance 66(6):1933–1967

Costa da Silva GJ, Oreiro JL, Paula LF, Sobreira R (2007) Determinants of banking spread in Brazil: an empirical evaluation. In: Proceedings of the 35th Brazilian Economics Meeting, Brazilian Association of Graduate Programmes in Economics

De Koker D, Jentzsch N (2013) Financial inclusion and financial integrity: aligned incentives? World Dev 44:267–280

Demirgüç-Kunt A, Klapper L (2012) Financial inclusion in Africa: an overview. The World Bank

Estrada D, Gomez E, Orozco I(2006) Determinants of Interest Margins in Colombia, Banco Dela Republica, Series Borradores de Economia, No. 393

Freixas X, Rochet J (1997) Macroeconomics of banking. MIT Press, Cambridge

Grohmann A, Klühs T, Menkhoff L (2018) Does financial literacy improve financial

Hanweck G, Ryu I (2005) The sensitivity of bank net interest margins and profitability to credit, interest-rate and ter-structure shocks across bank product specializations, Federal Deposit Insurance Corporation. Working Paper 2005-02

Ho TS, Sauders A (1981) The determinants of bank interest margins: theory and empirical evidence. J Financ Quant Anal 16(4):581–600

Kaiser T, Menkhoff L (2017) Does financial education impact financial literacy and financial behavior and if so, when? World Bank Econ Rev 31(3):611–630

Khaki AR, Sangmi MUD (2017) Does access to finance alleviate poverty? A case study of SGSY beneficiaries in Kashmir Valley. Int J Soc Econ 44(8):1032–1045

Klapper L, El-Zoghbi M, Hess J (2016) Achieving the sustainable development goals. The role of financial inclusion. Available online: https://www.ccgap.org. Accessed, 23 May 2016

Klein MA (1971) A theory of banking firm. J Money Credit Bank 3:205–218

Lusardi A, Mitchell OS (2014) The economic importance of financial literacy: theory and evidence. J Econ Lit 52(1):5–44

Masiyandima N, Mlambo K, Nyarota S (2017) Financial inclusion and quality of livelihood in Zimbabwe. In: 14th African Finance Journal Conference-Africagrowth Institute, July 2017

Michael OB, Sharon OO (2014) Financial system, financial inclusion and economic development in Nigeria. Int J Manag Sci 2(3):139–148

Miller M, Reichelstein J, Salas C, Zia B (2015) Can you help someone become financially capable? A meta-analysis of the literature. World Bank Res Obs 30(2):220–246

Morse S, McNamara N (2013) The theory behind the sustainable livelihood approach. Sustainable livelihood approach. Springer, Dordrecht, pp 15–60

NFIDS (2018) National financial inclusion and development strategy 2018–2023. Republic of Ghana

Okello-Candiya-Bongomin G, Ntayi JM, Munene JC, Malinga CA (2018) Mobile money and financial inclusion in sub-Saharan Africa: the moderating role of social networks. J Afr Bus 19(3):361–384

Oreiro JL, de Paula LF (2010) Macroeconomic determinants of bank spread in Latin America: a recent analysis with special focus on Brazil. Int Rev Appl Econ 24(5):573–590

Park CY, Mercado R (2015) Financial inclusion, poverty, and income inequality in developing Asia. Asian Development Bank Economics Working Paper Series, (426)

Parmar BL, Freeman RE, Harrison JS, Wicks AC, Purnell L, De Colle S (2010) Stakeholder theory: the state of the art. Acad Manag Ann 4(1):403–445

Perera S, Skully M, Nguyen M (2012) Market concentration and pricing behaviour of Sri Lankan banks. South Asian J Glob Bus Res 1(1):63–78

Rooij V, Maarten CJ, Lusardi A, Alessie RJM (2012) Financial literacy, retirement planning and household wealth. Econ J 122(560):449–478

Sekita S (2011) Financial literacy and retirement planning in Japan. J Pension Econ Finance 10(4):637–656

Sharma D (2013) Nexus between financial inclusion and economic growth: Evidence from the emerging Indian economy. J Financ Econ Policy 8(1):13–36

Sharma D (2016) Nexus between financial inclusion and economic growth: evidence from the emerging Indian economy. J Financ Econ Policy 8(1):13–36

Sissy AM, Amidu M, Abor JY (2017) The effects of revenue diversification and cross border banking on risk and return of banks in Africa. Res Int Busi Finance 40:1–18

The Global Findex Database (2017) World Bank Group, Washington, DC. US

Veerashekharappa, Vani BP (2015) Financial inclusion to livelihood: entangled to gain. Soc Econ Chang Monogr 38(1):10–20

World Bank Group (2016) Doing business report, measuring regulatory quality and efficiency. Washington DC, US

World Bank Group (2019) 4th Ghana Economic Update Enhancing Financial Inclusion Africa Region, Washington, DC. US