@incollection{, 68E37D2DD2E40DED08FF08040B589E0F , author={{Yohane KitwimaMagembe} and {University of Dodoma}}, journal={{Global Journal of Human Social Sciences}}, journal={{GJHSS}}2249-460X0975-587X10.34257/GJHSS, address={Cambridge, United States}, publisher={Global Journals Organisation}192117 } @book{b0, , title={{}} , author={{ *** }} 0023279 -3.80 0.000 -.0134137 -.0042887 } @book{b1, , title={{Informal (base outcome) Notes}} } @book{b2, , author={{ *** } and { **Represent }} , title={{1%, 5% and 10% respectively Source: Computed from Fin Scope Tanzania}} , year={2017} } @book{b3, , title={{Table 7 depicts the multinomial logistic regression results. The study reveals that Age (Age), gender (Gen), education (Edu), access to mobile phone References Références Referencias}} } @incollection{b4, , title={{Causes and Control of Loan Default/Delinquency in Microfinance Institutions in Ghana}} , author={{ AAddae-Korankye }} , journal={{American International Journal of Contemporary Research}} 4 12 , year={2014} } @book{b5, , title={{European central bank working paper series nb}} , author={{ MAmpudia } and { MEhrmann }} , year={2017. 1990. January} , note={Financial inclusion-what's it worth?} } @book{b6, , title={{Financial services provision and prevention of financial exclusion. Directorate-general for employment, social affairs and equal opportunities inclusion, social policy aspects of migration, streamlining of social policies}} , author={{ LAnderloni } and { BBayot } and { PIwanicz-Drozdowska } and { MKempson } and { E }} , year={2008} , publisher={European commission} } @incollection{b7, , title={{Financial Dualism and Financial Sector Development in Low Income Countries}} , author={{ RAtieno } and { OShem }} , journal={{Saving and Development Journal}} 25 4 , year={2001} } @incollection{b8, , title={{Financial inclusion in China:use of credit}} , author={{ ZChen } and { Jin } and { M }} Doi: 10. 1007/s 10834- 0179531-x , journal={{Journal of family and economic issues}} 38 4 , year={2017} } @incollection{b9, , title={{Financial exclusion-a paradox in developing countries}} , author={{ SRChoudhury } and { DBagchi }} 10.9790/5933-0703014045 , journal={{Journal of economics and finance}} 7 3 , year={2016} } @book{b10, , title={{Determinants of saving among low-income individuals in rural Uganda: evidence from assets}} , author={{ GA NChowa } and { RDMasa } and { DAnsong }} , year={2012} } @incollection{b11, , title={{}} 10.4236/aasoci.2012.24037 , journal={{Africa. Advances in applied sociology}} 2 4 , year={30 th December 2018} } @book{b12, , title={{Volume XIX Issue II Version I}} } @book{b13, , title={{Financial inclusion and consumer payment choice}} , author={{ ACole } and { CGreene }} , year={2016} , address={Federal Reserve Bank of Boston} } @book{b14, , title={{Research into fi final technical report.The University of SalfordUK}} , author={{ KDayson } and { PVik }} , year={2011. 19315/ retrieved on 21 October 2018} } @book{b15, , title={{Measuring financial inclusion: The global findex database}} , author={{ ADemirgüç-Kunt } and { LFKlapper }} , year={2012} , note={Working Paper No} } @book{b16, , title={{}} 10.1596/1813-9450-6025 , year={6 August 2018} } @book{b17, , title={{Measuring financial inclusion: Explaining variation in use of financial services across and within countries}} , author={{ ADemirgüç-Kunt } and { LFKlapper }} , year={2013} } @incollection{b18, , title={{}} , journal={{Brookings Papers on Economic Activity}} , year={2013} } @incollection{b19, , title={{An excluded society? Financial inclusion in SADC through a Fin Scope lens}} , journal={{Fin Mark Trust}} , year={2015. July 2015} } @book{b20, , title={{Insight that drive innovation; financial sector deepening trust: Dar es Salaam, Tanzania, available online: www.fsdt.or.tz/.../FinScope-Tanzania-2017URL}} , author={{ Fin Scope Tanzania }} , year={2017. August 2018} } @incollection{b21, , title={{Fin Scope Tanzania surveys}} , booktitle={{Financial Sector Deepening Trust (FSDT)}} Dar es Salaam , year={2017} } @incollection{b22, , title={{Factors affecting customers' decision for taking out bank loans: a case of Greek customers}} , author={{ CCFrangos } and { KCFragkos } and { ISotiropoulos } and { GManolopoulos } and { ACValvi }} 10.5171/2012.927167 , journal={{Journal of marketing research & case studies}} 2012 , year={2012. 2012} } @incollection{b23, , title={{Determinants of access to credit and credit source choice by micro, small and medium enterprises in Nekemte}} , author={{ FGFufa }} , journal={{Ethiopia. International Journal of African and Asian Studies}} , year={2016} } @book{b24, , title={{Factors determining financial inclusion: the case of mobile money transfer services in Nairobi: A research project submitted to the school of economics, university of Nairobi in partial fulfillment of the requirement for the award of Master of Arts degree in Economics}} , author={{ PGGeorge }} , year={2012} , note={Unpublished Dissertation} } @book{b25, , title={{Econometric Analysis (fifth Ed}} , author={{ GHGreene }} , year={2002} , publisher={Prentice Hall} , address={New Jersey} , note={Upper Saddle River} } @book{b26, , title={{}} , author={{ SDHoffmnan } and { GJDuncan }} , year={1988} } @incollection{b27, , title={{Multinomial and conditional logit discrete-choice models in demography}} , journal={{Population Association of America}} 25 3 , year={October 2018} } @book{b28, , title={{Applied Linear Regression Models}} , author={{ MHKutner } and { CJNachtsheim } and { JNeter }} , year={2004} , address={Boston-Mass, McGraw-Hill Irwin} , note={th ed} } @incollection{b29, , title={{Examination of the status of financial inclusion and its determinants in Tanzania}} , author={{ JLotto }} 10.3390/su10082873 , journal={{Sustainability}} 10 2873 , year={2018} } @incollection{b30, , title={{The vicious circle of financial exclusion: an empirical study in West Bengal}} , author={{ RMazumder }} , journal={{Indian Journal of Finance}} 7 , year={2013} } @book{b31, , title={{An application of diagnostic tests for the irrelevant alternatives properties of the multinomial logit model}} , author={{ DMcfadden } and { KTrain } and { WBTye }} , year={1978} , publisher={Charles River Associates, Inc} , address={Cambridge, Massachusetts} } @book{b32, , title={{Utility Analysis and the Consumption Function: An Interpretation of Cross-Section Data}} , author={{ FModigliani } and { FModigliani } and { Brumberg }} , year={2005. 1954} , publisher={Rutgers University Press} , address={New Brunswick, N.J} , note={The Collected Papers of Ando Modigliani, Massachusetts, the MIT press 28} } @incollection{b33, , title={{Drivers of financial inclusion and gender gap in Nigeria}} , author={{ AMusa } and { BAbdullahi } and { AIdi } and { MTasiu }} , journal={{The Empirical Econometrics and Quantitative Economics Letters}} 4 4 , year={2015} } @book{b34, , title={{National Financial Inclusion Framework. A Public-Private Sector Initiative; National Council for Financial Inclusion: Dar es Salaam, Tanzania, 2014. 31. National Financial Inclusion Framework. A Public-Private Sector Initiative}} , year={2017} 30 , address={Tanzania} National Council for Financial Inclusion: Dar es Salaam } @incollection{b35, , title={{Factors influencing loan repayment default in micro-finance institutions: the experience of Imenti North District}} , author={{ MHNguta } and { GSHuka }} , journal={{Kenya. International journal of applied science and technology}} 3 3 , year={2013} } @book{b36, , title={{Utilization of savings and credit by household characteristics in Uganda and the implications for linkage banking programs}} , author={{ KOswald }} , year={2014. October 2018} , note={All Theses.1887} } @book{b37, , title={{Determinants of saving-borrowing decisions and financial inclusion in a high middle-income country: the Turkish case. Emerging markets finance and trade}} , author={{ BOzturkkal } and { NDavutyan }} 10.1080/1540496x.2016.1187596 , year={2016} } @incollection{b38, , title={{Financial exclusion of the poor: a literature review}} 10.1108/%20IJBM-09-2014-0134 , journal={{International Journal of Bank Marketing}} , editor={Koku, P. S} 33 5 , year={2015. October 2018} , note={Retrieved on 21 st} } @incollection{b39, , title={{Widening your financial future; financial sector deepening trust: Dar es Salaam, Tanzania, available online: www.fsdt.or.tz /.../FinScope-Tanzania-2013}} , author={{ Fin Scope Tanzania }} , journal={{Journal of Socio-Economics}} , year={2013. August 2018 from 1999 to 2005} University of Manitoba } @book{b40, , title={{Understanding financial inclusion}} , author={{ SSinclair } and { FMchardy } and { LDobbie } and { KLindsay } and { MMorag Gillespie }} , year={2009} , publisher={Friends Provident Foundation} } @book{b41, , title={{Does recent volatility in the housing market challenge traditional models of saving? a study on the importance of housing wealth forexplaining household saving in the United States during the crisis, NHH -Norges handelshøyskole and HEC Paris}} , author={{ HSolem }} , year={2012. 2012} , address={Bergen / Paris, Spring} , note={Published thesis} } @incollection{b42, , title={{Credit Rationing in Markets with Imperfect Information}} , author={{ JStiglitz } and { AWeis }} , journal={{American Economic Review}} 71 3 , year={1981} } @incollection{b43, , title={{Determinants and barriers to financial inclusion in Myanmar: what determines access to financial services and what hinders it?}} , author={{ KTambunlertchai }} 10.1142/S0217590818410011 , journal={{The Singapore Economic Review}} 63 1 , year={2018} } @book{b44, , title={{Financial inclusion and its determinants: the case of Argentina}} , author={{ DTuesta } and { GSorensen } and { AHaring } and { NCámara }} 15/03 , year={2015. January 2015} , address={Madrid} , note={Working Paper} } @book{b45, , title={{The Banking and Financial Institutions Act}} , year={2006. 2006} URT } @book{b46, , title={{National Micro Finance Policy}} , year={2000. 2000} URT } @book{b47, , title={{Finance for All? Policies and Pitfalls in Expanding Access}} , year={2008} , address={Washington DC} } @book{b48, , title={{Tanzania Mainland Poverty Assessment}} Washington, DC , publisher={World Bank Group} , year={2015} World Bank Group }