Published date: May 03 2024

Journal Title: KnE Social Sciences

Issue title: 8th Sriwijaya Economics, Accounting, and Business Conference (8th SEABC 2023)

Pages: 760–786

DOI: 10.18502/kss.v9i14.16143

Chuol Jock Rueychuol.jockruey@gmail.comGambela University

The significance of an inclusive financial system is widely acknowledged in the policy community, and it is now a top priority in many nations, including Ethiopia. This study aimed to analyze the elements that affect financial inclusion in rural areas and how to increase it among customers and residents of Gambella People’s National Regional State in Ethiopia. The population was condensed to include only the staff of the Gambella Saving and Credit Institution in Gambella town. The study employed primary data, and STATA 13 and the Statistical Package of Social Science (SPSS) 23 were used to analyze the data. Data were collected in the form of descriptive and inferential statistics. The study discovered that characteristics that affect financial inclusion had statistically significant and positive relationships with sex, marital status, religion, degree of education, service quality, income, and trust in financial services. However, the proximity to a financial institution’s branch and a resident’s ID card had a detrimental impact on the characteristics that influence financial inclusion. The report also suggests managers and decision-makers at the Oromia Credit and Saving Association should take great care in how they carry out their duties and consistently seek to inspire and raise awareness among the people by emphasizing the value and benefits of being financially integrated.

Keywords: credit and saving institution, factors, financial inclusion, gambella, logit model

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