The Interplay of Demographic and Socioeconomic Factors in Financial Inclusion Across Romania's Regions

Kód výsledku v IS VaVaI

<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F00216208%3A11310%2F25%3A10496927" target="_blank" >RIV/00216208:11310/25:10496927 - isvavai.cz</a>

Výsledek na webu

<a href="https://verso.is.cuni.cz/pub/verso.fpl?fname=obd_publikace_handle&handle=z-sXbdrYss" target="_blank" >https://verso.is.cuni.cz/pub/verso.fpl?fname=obd_publikace_handle&handle=z-sXbdrYss</a>

DOI - Digital Object Identifier

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Jazyk výsledku

angličtina

Název v původním jazyce

The Interplay of Demographic and Socioeconomic Factors in Financial Inclusion Across Romania's Regions

Popis výsledku v původním jazyce

This study examines the temporal evolution of financial inclusion across Romania&apos;s 42 counties from 2011 to 2021, analyzing regional disparities through a multidimensional lens. Using the Mahalanobis Distance-Based Financial Inclusion Index (IFIMd), the Second Demographic Transition Behavioral Index (SDT1), and hierarchical clustering, this research assess the relationship between financial access, demographic changes, and socioeconomic factors. Our findings reveal persistent inequalities, with GDP, pensioner-to-elderly ratio, and physician-to-adult population ratio emerging as key predictors of financial inclusion at the panel level. NUTS3-specific analyses underscore the influence of urbanization and aging populations, with Bucharest consistently exhibiting the highest inclusion levels. Linear regression out-performs Holt&apos;s exponential smoothing in forecasting financial inclusion trends, capturing linear growth patterns. These insights highlight the need for targeted policy interventions to bridge regional financial inclusion gaps and foster equitable economic participation. By providing the first subnational application of SDT1 alongside the first application of IFIMd longitudinally, this research advances understanding of financial inclusion dynamics in post-socialist contexts and informs strategies for addressing regional disparities.

Název v anglickém jazyce

The Interplay of Demographic and Socioeconomic Factors in Financial Inclusion Across Romania's Regions

Popis výsledku anglicky

This study examines the temporal evolution of financial inclusion across Romania&apos;s 42 counties from 2011 to 2021, analyzing regional disparities through a multidimensional lens. Using the Mahalanobis Distance-Based Financial Inclusion Index (IFIMd), the Second Demographic Transition Behavioral Index (SDT1), and hierarchical clustering, this research assess the relationship between financial access, demographic changes, and socioeconomic factors. Our findings reveal persistent inequalities, with GDP, pensioner-to-elderly ratio, and physician-to-adult population ratio emerging as key predictors of financial inclusion at the panel level. NUTS3-specific analyses underscore the influence of urbanization and aging populations, with Bucharest consistently exhibiting the highest inclusion levels. Linear regression out-performs Holt&apos;s exponential smoothing in forecasting financial inclusion trends, capturing linear growth patterns. These insights highlight the need for targeted policy interventions to bridge regional financial inclusion gaps and foster equitable economic participation. By providing the first subnational application of SDT1 alongside the first application of IFIMd longitudinally, this research advances understanding of financial inclusion dynamics in post-socialist contexts and informs strategies for addressing regional disparities.

Druh

J_imp - Článek v periodiku v databázi Web of Science

CEP obor

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OECD FORD obor

50402 - Demography

Projekt

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Návaznosti

S - Specificky vyzkum na vysokych skolach<br>I - Institucionalni podpora na dlouhodoby koncepcni rozvoj vyzkumne organizace

Rok uplatnění

2025

Kód důvěrnosti údajů

S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů

Název periodika

Revista Română de Statistică

ISSN

1018-046X

e-ISSN

1844-7694

Svazek periodika

2025

Číslo periodika v rámci svazku

1

Stát vydavatele periodika

RO - Rumunsko

Počet stran výsledku

56

Strana od-do

25-80

Kód UT WoS článku

001495208700002

EID výsledku v databázi Scopus

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