Financial Inclusion: Theory and Policy guide for fragile economies.

It is empirically argued that economic development largely depends on an increased productivity, the mitigation of income inequality, reduction of dependency on natural resources, improvement of health outcomes, quality enhanced environmental settings, and most importantly a sustained economic growth. It is further established that all the above stated developmental indicators within a market economy do require a quality financial system, which collects information to facilitate an ex-ante evaluation as well as ex-post monitoring of investment opportunities, to ease information asymmetry, which is a known market problem. Furthermore, to facilitate an efficient allocation of resources to drive innovative projects, which will produce quality products and services. The postulation presented herein is empirically established to derive its success from a sustainable financial inclusion, which the paper is to advance a conceptual proposition towards an effective and efficient financial inclusion of a fragile economic setting, and its underlying policy architecture to sustain performance effects, in both medium and long term purpose.