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The main purpose of this study is to test for the interaction effect of digital literacy in the relationship between financial technologies (FinTechs) of biometrics and mobile money and digital financial inclusion among the unbanked poor women, youth and persons with disabilities (PWDs) in rural Uganda.

Covariance-based structural equation modeling was used to construct the interaction effect using data collected from the unbanked poor women, youth and PWDs located in the four regions in Uganda as prescribed by Hair et al. (2022).

The findings from this study are threefold: first; the results revealed a positive interaction effect of digital literacy between FinTechs of biometrics and mobile money and digital financial inclusion. Second; the results also confirmed that biometrics identification positively promotes digital financial inclusion. Lastly; the results showed that mobile money positively promotes digital financial inclusion. A combination of FinTechs of biometrics and mobile money together with digital literacy explain 29% variation in digital financial inclusion among the unbanked poor women, youth and PWDs in rural Uganda.

The data for this study were collected mainly from the unbanked poor women, youth and PWDs. Further studies may look at data from other sections of the vulnerable population in under developed financial markets. Additionally, the data for this study were collected only from Uganda as a developing country. Thus, more data may be obtained from other developing countries to draw conclusive and generalized empirical evidence. Besides, the current study used cross sectional design to collect the data. Therefore, future studies may adopt longitudinal research design to investigate the impact of FinTechs on digital financial inclusion in the presence of digital literacy across different time range.

The governments in developing countries like Uganda should support women, youth, PWDs and other equally vulnerable groups, especially in the rural communities to understand and use FinTechs. This can be achieved through digital literacy that can help them to embrace digital financial services and competently navigate and perform digital transactions over digital platforms like mobile money without making errors. Besides, governments in developing countries like Uganda can use this finding to advocate for the design of appropriate digital infrastructures to reach remote areas and ensure “last mile connectivity for digital financial services' users.” The use of off-line solutions can complement the absence or loss of on-line network connectivity for biometrics and mobile money to close the huge digital divide gap in rural areas. This can scale-up access to and use of financial services by the unbanked rural population.

This paper sheds more light on the importance of digital literacy in the ever complex and dynamic global FinTech ecosystem in the presence of rampant cyber risks. To the best of the authors' knowledge, limited studies currently exist that integrate digital literacy as a moderator in the relationship between FinTechs and digital financial inclusion, especially among vulnerable groups in under-developed digital financial markets in developing countries. This is the novelty of the paper with data obtained from the unbanked poor women, youth and PWDs in rural Uganda.

The analysis of poverty is fundamentally focused on examining the well-being condition of the poor. We usually neglect the information provided by the rich. Nevertheless, perhaps the non-considered information indicating the determinants of non-poverty is also useful for fighting against poverty. The purpose of this paper is to analyze poverty under a new angle i.e. focusing on the information provided by the non-poor instead of the poor. For that a richness index is calculated in order to estimate econometric models regressing both indices i.e. poverty and richness indices on same selected characteristics. Thus, the comparison of the determinants of poverty and non-poverty for Tunisian case have allowed the classification of the selected explanatory variables with significant effect into four categories: the variables having significant effect on both sides (permanent effect), the variables having significant effect on the poor but not on the non-poor (transitory effect), the variables having significant effect on the non-poor but not on the poor (insurance effect) and the variables without any effect on both cases (neutral effect). This procedure is thus important given that it provides additional information and new way to enhance the targeting efficiency of the poor and fighting against poverty.

Using Tunisian data, an original procedure is proposed for calculating a richness index, defined based on the common formula of calculating the poverty index. Next econometric models are estimated regressing both the indices i.e. poverty and richness index on same selected characteristics.

The comparison of the determinants of poverty and non-poverty have allowed the classification of the selected explanatory variables with significant effect into four categories: the variables having significant effect on both sides (permanent effect), the variables having significant effect on the poor but not on the non-poor (transitory effect), the variables having significant effect on the non-poor but not on the poor (insurance effect) and the variables without any effect on both cases (neutral effect).

The analysis and the classification of the determinants of poverty according to the determinants of non-poverty is never made before in the litterature. This procedure is important given that it provides additional information and a new way to enhance the efficiency of targeting the poor and fighting against poverty.

Whilst accepting the economic necessity for adding extenders to zinc rich paints, there are several problems which need careful consideration.

There has been a rapid expansion in the literature on the measurement of multidimensional poverty in recent years. This paper focuses on the longitudinal aspects of multidimensional poverty and its link to dynamic income poverty measurement. Using panel household survey data in Vietnam from 2007, 2008, and 2010, the paper analyses the prevalence and dynamics of both multidimensional and monetary poverty from the same dataset. The results show that the monetary poor (or non-poor) are not always multidimensionally poor (or non-poor) – indeed the overlap between the two measures is much less than 50 percent. Additionally, monetary poverty shows faster progress as well as a higher level of fluctuation than multidimensional poverty. We suggest that rapid economic growth as experienced by Vietnam has had a larger and more immediate impact on monetary than on multidimensional poverty.

After Jomtien¹ under the goal of providing “education for all” a great number of countries made a strong commitment to extend the benefits of education to the poorest sectors of their population. Efforts have been made in the following years to fulfill this promise. But the issues associated with understanding and addressing disadvantaged populations are multiple and complex. Moreover the strategies followed by a number of countries have been framed under structural assumptions inherently limiting and undermining the intentions of the policies that gave them origin. Seeking to understand the challenges and complexities of change in these contexts, I analyze Mexico's assumptions framing educational policy toward the rural and indigenous poor.² I argue that a number of initiatives may fail to fully address the needs of these populations due to the assumptions underlying these policies which end up resting agency to the poor, their children, and to their teachers and schools. After describing the theoretical framework used in this chapter and providing a brief description of Mexico's political economy, I examine Mexico's past and current government policies toward the poor and look at the spaces that have opened up for innovation due to growing relationships with the global economy and the global community and to relationships between Mexico's central and local governments. I suggest that compulsory early childhood education is one obvious avenue (complementing policies such as Federalizacion and teacher education) to correct centuries of injustice and neglect. I discuss the implications of this analysis within the context of the current decentralization movement and the growing discontent among the rural poor.

The association between income distribution and measures of health has been well established such that societies with smaller income differences between rich and poor people have increased longevity (Wilkinson, 1996). While more egalitarian societies tend to have better health, in most developed societies people lower down the social scale have death rates two to four times higher than those nearer the top. Inequities in income distribution and the consequent disparities in health status are particularly problematic for many women, including single mothers, older women, and women of colour. The feminization of poverty is the rapidly increasing proportion of women in the adult poverty population (Doyal, 1995; Fraser, 1987).

In contrast to the MDGs' top-down approach, the SDGs took the bottom-up approach of participants, creating an open space for soliciting their aspirations, efforts, creativity, and commitment. Inclusive business (IB), identified as the key means to alleviate poverty and inequality in developing countries, undeniably struggles in this space to find new ways of thinking and management to achieve a suitable balance between serving social needs and achieving business sustainability. However, multinational corporations have not yet made significant achievements, due to a biased orientation of including the poor into their system of developed countries' institutions. From a neutral position, not asking who includes or yields to whom, this research project proposes to use the concept of institutional interconnections and its various analytical factors to examine how diverse partners are interconnected to overcome institutional differences. Differences in interconnections are hypothesized to differentiate IB's socioeconomic effects and poverty alleviation.

We aim to explore to what extent and how pro-poor PPP projects engage with local communities and what the possibilities are for the communities to become genuine partners with governments, businesses and civil society organizations (CSOs). We look into three different PPP projects funded by the Dutch international cooperation that emphasize the pro-poor aspects in Africa and find patterns of how local communities are positioned in each project. The analysis of the three projects indicates that the existing pro-poor PPP projects deal with local communities as either mere beneficiaries, business partners with substantial brokering by CSOs, or those who potentially lead the projects. The difference stems from how a PPP project allows local communities to participate and balance the relationship between the project’s profit maximization and benefit-sharing for the poor. Our findings can be used to evaluate pro-poor PPP projects by reference to its local development relevance. They also show possibilities for local communities to identify their positions vis-à-vis large-scale investment projects and reflect on what pro-poor projects actually mean. The importance of PPP projects to become pro-poor and enhance its local development relevance has been widely discussed; however, the actual positionality of the poor within PPP projects remains unclear. In this chapter, we specifically look into the question of where local communities are in pro-poor PPP projects in order to suggest a new research and policy agenda.

Most of the people in the world are poor, so if we knew the economics of being poor we would know much of the economics that really matters.T.W. Schultz, Nobel Prize Lecture 1980

Cross-boundary cooperation with shared goals and values involving the poor has been argued as an indispensable means for inclusive business (IB) success. Cooperation may become dynamic, especially when exploratory and creative attempts with effective cooperative learning among partners can be realized. Even so, not many companies have reported successful in building the cooperation. One case, providing clean, affordable drinking water to the poor in Tanzanian rural villages, suggests that a delegated and grassroots-based approach in cooperation with a highly trustworthy local partner can successfully promote cooperative learning and transfer know-how in both operations and management. This approach also stimulates local and self-initiated activities for expanding water facilities and generating local businesses in an area where employment is scarce. Deviation from mainstream-institution-based operations and management is one example of institutional interconnections that enable the rural poor to self-manage projects and stimulate self-initiated business activities, consequently contributing to rural development and sustainable development goals.