Journal of Rural Development

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Based on a primary survey conducted in 2010 in the five villages of West Bengal, India under two gram panchayats located in the district of North 24 Parganas, the present study attempts to identify the variables that improve the possibility of financial inclusion. To judge the extent of financial inclusion we use a scoring methodology usually used in psychology. Then based on the scores the sample is divided into three mutually exclusive categories and multinomial logit regression is used to identify the factors leading to a higher score.
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