FACTORS AFFECTING RURAL FINANCIAL INCLUSION IN THE CASE OF HALABA ZONE, ETHIOPIA

Abstract This study was conducted to investigate factors affecting rural financial inclusion in the case of Halaba Zone, Ethiopia. To address the objectives of the study, the study was utilized descriptive and explanatory research design. Total of 380 respondents were participated under this study.. The stratified sampling technique was employed for this investigation. Both primary and secondary data was used to achieve the study's objective. In addition, both descriptive and inferential statistics was employed. In order to now the relationship between dependent variable and independent variable, the study was employed binary logistic regression model. Binary logistic regression model result showed that, independent variables such as such as sex, education, , service quality ,trust on service financial education and literacy were significantly affect rural financial inclusion. To enhance access financial inclusion, it is essential to prioritize initiatives that improve the educational access and quality is vital for enhancing financial literacy among rural population. Additionally, financial institutions should enhancing service quality by ensuring accessibility, reliability, and responsiveness to customer needs. Finally, Building trust between rural communities and financial institutions is crucial for increasing financial inclusion..