"Factors Affecting Financial Inclusion: A Study of Selected Districts in Tamil Nadu"


N. Chithra, Annamalai University, Chidambaram, Tamilnadu, India.

Dr. K. K. Sabarirajan (Associate Professor)
Department of Business Administration, Annamalai University, Chidambaram, Tamilnadu, India.


This paper made an attempts to identify the factors affecting financial inclusion in the state of Tamil Nadu using a district level Financial Inclusion Index (FII) developed by the author. The study has been undertaken by considering Per Capita GNI, Literacy, Rural Population, Unemployed and Households as the main socio-economic determinants of financial inclusion. The techniques of correlation and step-wise regression have been applied to identify the important determinants of financial inclusion. Among the Five variables, except the indicator concerning Unemployed and Households, the rest all three indicators were found to have significant positive association with the level of financial inclusion.