|
1. افقهی، م. ر.، آریامنش، ن.، هادیان، ص.، و افقهی، ا(1401) طراحی زنجیره تأمین مالی خرد غیربانکی برای نهادهای توسعهای مردمی با رویکرد اسلامی ایرانی 2. پیشرفت. فصلنامه اقتصاد اسلامی، 22(2)، 123-146. 3. اصغریزاده، عزتالله(1401). تکنیکهای تصمیمگیری چندشاخصه. چاپ پنجم. تهران: انتشارات دانشگاه تهران. 4. بالونژاد نوری، ن.، و فرهنگ، ش(1400) بررسی اثر شمول مالی بر ثبات و کارایی مالی کشورهای منتخب درحالتوسعه. فصلنامه تحقیقات مالی، 23(2)، 95-114. 5. بالونژادنوری، روزبه، شجری، شقایق. (1400). بررسی رابطه علیت میان رشد اقتصادی و شمولیت مالی: کاربردی از روش علیت بوتاسترپ. فصلنامه علمی نظریه های کاربردی اقتصاد، 8(4)، 225-252. 6. بالونژادنوری، روزبه، فرهنگ، امیرعلی. (1400). اثر شمولیت مالی بر کارایی و پایداری مالی: کاربردی از رویکرد شاخص سازی چند بُعدی. اقتصاد و تجارت نوین، 16(شماره 2 (شماره پیاپی: 51))، 59-83. 7. پژوهشکده امور اقتصادی وزارت امور اقتصادی و دارایی،(1398)، مروری بر جایگاه و اهمیت مفهوم شمولیت مالی با نگاهی به وضعیت ایران، تهران 8. زارعی، ژاله (1394). رفتار چرخهای سیاست مالی و عوامل مؤثر بر آن با تأکید بر نقش قواعد مالی. فصلنامه پژوهشهای پولی و بانکی، ۸(۲۶)، ۵۴۳-۵۶۹. پژوهشکده پولی و بانکی. 9. صدر، کاظم(1392).نقش نهادهای حقوقی اسلامی در تحول بازارهای مالی. فصلنامه پژوهشهای پولی و بانکی، ۶(۱۶)، ۱-۲۶. 10. عدیمیفرد، میثم.، حسینینسب، سارا.، و ساداتزاده، ن(1403) تحلیل اثرات پذیرش فناوری بلاکچین در بانکداری دیجیتال بر شمول مالی از منظر بانکداران. فصلنامه مهندسی مالی و مدیریت اوراق بهادار، 15(1)، 65-89. 11. عزتی شورگلی، احمد، و صحراپیشه، پریسا (1397). نقش اعتبارات بانکی در اثرگذاری سیاست مالی: کاربرد الگوی TVAR. فصلنامه تحقیقات اقتصادی، ۱۱(۳۸)، ۵۳۵-۵۶۴. 12. موسویان، سیدعباس. (1383). طرحی برای ساماندهی صندوق های قرض الحسنه. اقتصاد اسلامی, 4(16)ع 35-57. 13. نیازی، ع.، ابراهیمی، ا.، و بیگزاده، س(1402)تأثیر ارز دیجیتال بانک مرکزی بر شمول مالی در ایران با استفاده از روش پویایی سیستمها. فصلنامه پژوهشهای پولی و بانکی، 34(4)، 45-72. 14. Adedokun, M. W., & Ağa, M. (2023). Financial inclusion: A pathway to economic growth in Sub‐Saharan African economies. International Journal of Finance & Economics, 28(3), 2712-2728. [ DOI:10.1002/ijfe.2559] 15. Ahmad, Ahmad H., Llewellyn, David T. and Murinde, Victor, (2021), Inclusive Financial Development, Edward Elgar Publishing. [ DOI:10.4337/9781800376380] 16. Aloulou, M., Grati, R., Al-Qudah, A. A., & Al-Okaily, M. (2024). Does FinTech adoption increase the diffusion rate of digital financial inclusion? A study of the banking industry sector. Journal of Financial Reporting and Accounting, 22(2), 289-307. [ DOI:10.1108/JFRA-05-2023-0224] 17. Amnas, M. B., Selvam, M., & Parayitam, S. (2024). FinTech and financial inclusion: Exploring the mediating role of digital financial literacy and the moderating influence of perceived regulatory support. Journal of Risk and Financial Management, 17(3), 108. [ DOI:10.3390/jrfm17030108] 18. Bai, H., Huang, L., & Wang, Z. (2024). Supply chain financing, digital financial inclusion and enterprise innovation: Evidence from China. International Review of Financial Analysis, 91, 103044. [ DOI:10.1016/j.irfa.2023.103044] 19. Bello, O. A. (2024). The role of data analytics in enhancing financial inclusion in emerging economies. International Journal of Developing and Emerging Economies, 11(3), 90-112. 20. Boz, N., Kaymak, T., & Kutan, A. M. (2016). Financial inclusion and bank disclosure practices: Evidence from a major emerging market. Journal of International Financial Markets, Institutions and Money, 45, 250-267. [ DOI:10.1016/j.intfin.2016.08.002] 21. Cama, F. R., Emara, N., & Trabelsi, M. (2024). Financial inclusion and the informal sector. Research in International Business and Finance, 70, 102379. [ DOI:10.1016/j.ribaf.2024.102379] 22. Chuc, A. T., Li, W., Phi, N. T. M., Le, Q. T., Yoshino, N., & Taghizadeh-Hesary, F. (2022). The necessity of financial inclusion for enhancing the economic impacts of remittances. Borsa Istanbul Review, 22(1), 47-56. [ DOI:10.1016/j.bir.2020.12.007] 23. Cremers, K. M., Fulkerson, J. A., & Riley, T. B. (2022). Benchmark discrepancies and mutual fund performance evaluation. Journal of Financial and Quantitative Analysis, 57(2), 543-571. [ DOI:10.1017/S0022109021000119] 24. Daud, S. N. M. (2023). Financial inclusion, economic growth and the role of digital technology. Finance Research Letters, 53, 103602. [ DOI:10.1016/j.frl.2022.103602] 25. de Sant'Anna, D. M., & Figueiredo, P. N. (2024). Fintech innovation: Is it beneficial or detrimental to financial inclusion and financial stability? A systematic literature review and research directions. Emerging Markets Review, 101140. [ DOI:10.1016/j.ememar.2024.101140] 26. Eshun, S. F., & Kočenda, E. (2025). Determinants of financial inclusion in sub-Saharan Africa and OECD countries. Borsa Istanbul Review, 25(1), 34-56. [ DOI:10.1016/j.bir.2024.11.004] 27. Esmaeilpour Moghadam, H., & Karami, A. (2023). Financial inclusion through FinTech and women's financial empowerment. International Journal of Social Economics. [ DOI:10.1108/IJSE-04-2022-0246] 28. Falaiye, T., Elufioye, O. A., Awonuga, K. F., Ibeh, C. V., Olatoye, F. O., & Mhlongo, N. Z. (2024). Financial inclusion through technology: a review of trends in emerging markets. International Journal of Management & Entrepreneurship Research, 6(2), 368-379. [ DOI:10.51594/ijmer.v6i2.776] 29. Fernández-Olit, B., Martín Martín, J. M., & Porras González, E. (2020). Systematized literature review on financial inclusion and exclusion in developed countries. International Journal of Bank Marketing, 38(3), 600-626. [ DOI:10.1108/IJBM-06-2019-0203] 30. Gul, F., Usman, M., & Majeed, M. T. (2018). Financial Inclusion and Economic growth: A global perspective. Journal of Business & Economics, 10(2), 133-152. 31. Kamble, P. A., Mehta, A., & Rani, N. (2024). Financial inclusion and digital financial literacy: do they matter for financial well-being?. Social Indicators Research, 171(3), 777-807. [ DOI:10.1007/s11205-023-03264-w] 32. Lal, T. (2021). Impact of financial inclusion on economic development of marginalized communities through the mediation of social and economic empowerment. International Journal of Social Economics, 48(12), 1768-1793. [ DOI:10.1108/IJSE-12-2020-0830] 33. Lee, C. C., Lou, R., & Wang, F. (2023). Digital financial inclusion and poverty alleviation: Evidence from the sustainable development of China. Economic Analysis and Policy, 77, 418-434. [ DOI:10.1016/j.eap.2022.12.004] 34. Mbate, M. (2025). Financial inclusion and energy access: Evidence from Kenya. Innovation and Green Development, 4(2), 100219. [ DOI:10.1016/j.igd.2025.100219] 35. Mbodj, A., & Laye, S. (2025). Reducing Poverty Through Financial Growth: The Impact of Financial Inclusion and Development in Emerging Economies. Journal of Business and Economic Options, 8(1), 61-76. 36. Mishra, D., Kandpal, V., Agarwal, N., & Srivastava, B. (2024). Financial inclusion and its ripple effects on socio-economic development: a comprehensive review. Journal of Risk and Financial Management, 17(3), 105. [ DOI:10.3390/jrfm17030105] 37. Mohammed Ait Lahcen & Pedro Gomis‐Porqueras, 2021. "A Model of Endogenous Financial Inclusion: Implications for Inequality and Monetary Policy," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 53(5), pages 1175-1209, August. [ DOI:10.1111/jmcb.12808] 38. Nwosu, N. T., & Ilori, O. (2024). Behavioral finance and financial inclusion: A conceptual review and framework development. World Journal of Advanced Research and Reviews, 22(3), 204-212. [ DOI:10.30574/wjarr.2024.22.3.1726] 39. Ofosu‐Mensah Ababio, J., Attah‐Botchwey, E., Osei‐Assibey, E., & Barnor, C. (2021). Financial inclusion and human development in frontier countries. International Journal of Finance & Economics, 26(1), 42-59. [ DOI:10.1002/ijfe.1775] 40. Osabutey, E. L., & Jackson, T. (2024). Mobile money and financial inclusion in Africa: Emerging themes, challenges and policy implications. Technological Forecasting and Social Change, 202, 123339. [ DOI:10.1016/j.techfore.2024.123339] 41. Ozdemir, M., Savasan, F., & Ulev, S. (2023). Leveraging financial inclusion through Islamic microfinance: A new model proposal for participation banks in Turkiye. Borsa Istanbul Review, 23(3), 709-722. [ DOI:10.1016/j.bir.2023.01.011] 42. Ozili, P. K., & Mhlanga, D. (2023). Why is financial inclusion so popular? An analysis of development buzzwords. Journal of International Development, 36(1), 231-253. [ DOI:10.1002/jid.3812] 43. Pal, M., Gupta, H., & Joshi, Y. C. (2022). Social and economic empowerment of women through financial inclusion: empirical evidence from India. Equality, Diversity and Inclusion: An International Journal, 41(2), 294-305. [ DOI:10.1108/EDI-04-2021-0113] 44. Pal, S., & Bandyopadhyay, I. (2022). Impact of financial inclusion on economic growth, financial development, financial efficiency, financial stability, and profitability: an international evidence. SN Business & Economics, 2(9), 139. [ DOI:10.1007/s43546-022-00313-3] 45. Patel, A., & Satapathy, S. K. (2023, July). Empowering Digital Banking Services and Enhancing Financial Inclusion using Smart and Robust Fintech Software Solutions. In 2023 World Conference on Communication & Computing (WCONF) (pp. 1-9). IEEE. [ DOI:10.1109/WCONF58270.2023.10235246] 46. Qizam, I., Berakon, I., & Ali, H. (2025). The role of halal value chain, Sharia financial inclusion, and digital economy in socio-economic transformation: a study of Islamic boarding schools in Indonesia. Journal of Islamic Marketing, 16(3), 810-840. [ DOI:10.1108/JIMA-03-2024-0108] 47. Ratnawati, K. (2020). The impact of financial inclusion on economic growth, poverty, income inequality, and financial stability in Asia. The Journal of Asian Finance, Economics and Business (JAFEB), 7(10), 73-85. [ DOI:10.13106/jafeb.2020.vol7.no10.073] 48. Sebai, M., Talbi, O., & Guerchi-Mehri, H. (2025). Optimal financial inclusion for financial stability: Empirical insight from developing countries. Finance Research Letters, 71, 106467. [ DOI:10.1016/j.frl.2024.106467] 49. Serrao, M., Sequeira, A., & Varambally, K. V. M. (2021). Impact of Financial Inclusion on the Socio-Economic Status of Rural and Urban Households of Vulnerable Sections in Karnataka. arXiv preprint arXiv:2105.11716. 50. Sethi, D. and Acharya, D. (2018), "Financial inclusion and economic growth linkage: some cross country evidence", Journal of Financial Economic Policy, Vol. 10 No. 3, pp. 369-385. [ DOI:10.1108/JFEP-11-2016-0073] 51. Sharizan, Salihah & Redzuan, Nur & Rosman, Romzie. (2021). Issues and Challenges of Financial Inclusion Among Low-Income Earners In Rural Areas of Malaysia. Turkish Journal of Islamic Economics. 8. 277-299. 10.26414/A2376. [ DOI:10.26414/A2376] 52. Siddiqui, Taufeeque & Naushad, Mohammad & Farooque, M. (2021). A study on Islamic finance as an approach for financial inclusion in India. Accounting. 7. 487-496. 10.5267/j.ac.2020.11.001. [ DOI:10.5267/j.ac.2020.11.001] 53. Tenenhaus, M., Amato, S., & Vinzi, V. E. (2004). A global goodness-of-fit index for PLS structural equation modelling. Proceedings of the XLII SIS Scientific Meeting, 1, 739-742. 54. Wei, F., Xie, B., & Chen, M. (2025). Digital financial inclusion, e-commerce development and entrepreneurial activity. International Review of Financial Analysis, 97, 103806. [ DOI:10.1016/j.irfa.2024.103806] 55. Wetzels, M., Odekerken-Schroder, G., & Van Oppen, C. (2009). Using PLS path modeling for assessing hierarchical construct models: Guidelines and empirical illustration. MIS Quarterly, 33(1), 177-195. [ DOI:10.2307/20650284] 56. World Bank. (2018). The Global Findex Database 2017: Measuring financial inclusion and the fintech revolution. Washington, DC: World Bank. [ DOI:10.1596/978-1-4648-1259-0] 57. Xie, Y., & Chen, T. (2025). A Study on the Impact of Digital Financial Literacy on Household Entrepreneurship-Evidence from China. Sustainability, 17(1), 117. [ DOI:10.3390/su17010117] 58. Yang, F., & Masron, T. A. (2024). Role of financial inclusion and digital transformation on bank credit risk. Journal of International Financial Markets, Institutions and Money, 91, 101934. [ DOI:10.1016/j.intfin.2023.101934] 59. Zhang, X., Li, J., Xiang, D., & Worthington, A. C. (2023). Digitalization, financial inclusion, and small and medium-sized enterprise financing: Evidence from China. Economic Modelling, 126, 106410. [ DOI:10.1016/j.econmod.2023.106410] 60. النحال. (2022). The Role of Financial Inclusion in Enhancing Social Justice. المجله العربیه للإداره, 1-18.
|