Do demand side variables influence financial inclusion? Lessons from South Punjab – Pakistan


  • Muhammad Ijaz Universiti Utara Malaysia (UUM), Malaysia.
  • Hassan Mujtaba N. Saleem Universiti Utara Malaysia (UUM), Malaysia.



Financial Inclusion, demand side variables, south Punjab


Financial inclusion helps to eradicate poverty and unemployment and improves the livelihoods of the public. This research aims to examine the demand side variables that influence financial Inclusion in south Punjab, Pakistan. This research has examined the influence of education, income, accessibility, and religious belief on financial inclusion. This study has used a quantitative research design. The Likert scale questionnaire was distributed among two hundred and eighty respondents through convenience sampling.  SPSS 16 has been used for data analysis in this research. Results showed that income, education, and accessibility have a significant and positive impact on financial inclusion, but no significant relationship between religious belief and financial inclusion is found due to the availability of Islamic banking in Pakistan. This research is significant for financial inclusion policymakers and for financial institutions as it will help them to make programs to promote financial inclusion accordingly. On the supply side, a lot of work has been done but negligible work has been done on the demand side of financial inclusion. This study investigated the demand side variables that influence financial inclusion.


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How to Cite

Ijaz, M., & Saleem , H. M. N. (2022). Do demand side variables influence financial inclusion? Lessons from South Punjab – Pakistan. Journal of Financial Technologies (Fintech), Inclusion and Sustainability, 1(1), 39–50.