Business

Digital financial inclusion in micro enterprises: understanding the determinants and impact on ease of doing business from World Bank survey

A. Johri, M. Asif, et al.

This study by Amar Johri, Mohammad Asif, Preeti Tarkar, Waseem Khan, Rahisha, and Mohammad Wasiq explores how digital financial inclusion (DFI) influences the ease of doing business for micro-enterprises in India, highlighting key determinants like internet access, education, and owner experience.

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Playback language: English

Index

Abstract

This study investigates the determinants of digital financial inclusion (DFI) and its impact on the ease of doing business for micro-enterprises in India. Using data from the World Bank's Enterprises Survey of Micro Firms (ESM) 2022, the study employs ANOVA and logistic regression to analyze the relationship between DFI and perceived business obstacles. Findings indicate that DFI helps overcome obstacles related to business regulation and market externalities. Access to the internet, education, and owner experience are key determinants of DFI among micro-enterprises.

Publisher

Humanities & Social Sciences Communications

Published On

Mar 04, 2024

Authors

Amar Johri, Mohammad Asif, Preeti Tarkar, Waseem Khan, Rahisha, Mohammad Wasiq

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