Munich Personal RePEc Archive

Financial Inclusion and Financial Fragility: An Empirical Note

Ghosh, Saibal (2008): Financial Inclusion and Financial Fragility: An Empirical Note.

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Abstract

Using data on Indian state-owned banks for 1997-2007, the article tests the relationship between financial inclusion and financial fragility. The findings reveal that these variables are intertwined, with each tending to reinforce the other. More importantly, financial fragility is a non-linear determinant of both availability and use of banking services.

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