exacerbates it from 2013 to 2016, and alleviates inequality again over 2018-2020. We further verify that financial permeation …

what is termed herein “financial permeation”. By estimating panel data on 37 countries in Sub-Saharan Africa between 2004 … and 2010, we examine whether financial permeation through improved convenience and access to financial services has … contributed to economic growth in this region. Empirical results clearly indicate that financial permeation has a statistically …