An investigation into factors impacting financial exclusion at the bottom of the pyramid in South Africa

dc.contributor.authorWentzel, John Peter
dc.contributor.authorDiatha, Krishna Sundar
dc.contributor.authorYadavalli, Venkata S. Sarma
dc.date.accessioned2017-03-01T11:07:59Z
dc.date.issued2016-02
dc.description.abstractFinancial exclusion has been shown to have negative socioeconomic effects on citizens, especially at the bottom of the economic pyramid. South Africa suffers from high levels of financial exclusion, disproportionately at the bottom of the pyramid. This study investigates nine factors identified from the literature as being positively associated with financial exclusion using a logistic regression model. The findings show that the most significant factors associated with being financially excluded at the bottom of the pyramid in South Africa were educational level, primary source of income, age, home language and number of dependents. The study further found that gender, relationship status and home ownership were not associated with being financially excluded. An interesting finding was that living in a rural area as opposed to an urban area was not significantly associated with being excluded. The findings and their implications for expanding financial inclusion at the bottom of the pyramid are discusseden_ZA
dc.description.departmentGordon Institute of Business Science (GIBS)en_ZA
dc.description.departmentIndustrial and Systems Engineeringen_ZA
dc.description.embargo2017-08-31
dc.description.librarianhb2017en_ZA
dc.description.urihttp://www.tandfonline.com/loi/cdsa20en_ZA
dc.identifier.citationJohn P Wentzel, Krishna Sundar Diatha & Venkata Seshachal Sarma Yadavalli (2016) An investigation into factors impacting financial exclusion at the bottom of the pyramid in South Africa, Development Southern Africa, 33:2, 203-214, DOI: 10.1080/0376835X.2015.1120648.en_ZA
dc.identifier.issn0376-835X (print)
dc.identifier.issn1470-3637 (online)
dc.identifier.other10.1080/0376835X.2015.1120648
dc.identifier.urihttp://hdl.handle.net/2263/59221
dc.language.isoenen_ZA
dc.publisherRoutledgeen_ZA
dc.rights© 2016 Government Technical Advisory Centre (GTAC). This is an electronic version of an article published in Development Southern Africa, vol. 33, no. 2, pp. 203-214, 2016. doi : 10.1080/0376835X.2015.1120648. Development Southern Africa is available online at : http://www.tandfonline.comloi/cdsa20.en_ZA
dc.subjectFinancial exclusionen_ZA
dc.subjectBottom of the pyramiden_ZA
dc.subjectLogistic regressionen_ZA
dc.titleAn investigation into factors impacting financial exclusion at the bottom of the pyramid in South Africaen_ZA
dc.typePostprint Articleen_ZA

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