ARCHIVES
VOL. 11, ISSUE 10 (2025)
The contribution of commerce education to financial inclusion
Authors
Dr. Mujammil Pasha
Abstract
This paper examines the role of formal
commerce education (secondary and tertiary courses in accounting, finance,
business studies and entrepreneurship) in promoting financial inclusion.
Drawing on international policy reports and empirical literature, the
manuscript proposes and implements a mixed-methods study to evaluate whether
commerce education increases access to formal financial services, improves
usage patterns (account activity and product diversification), and enhances
digital financial engagement. Quantitatively, the study uses a stratified
survey with propensity-score matching and structural equation modeling to test
mediation by financial and digital literacy; qualitatively, the study uses
interviews and focus groups to unpack mechanisms and implementation barriers.
Results are expected to show that commerce education — particularly curricula
with practical, digital, and consumer-protection components — is positively
associated with formal account ownership and active usage, although effects
vary by gender and locality. The paper concludes with policy recommendations
for curriculum reform, teacher capacity-building and school–financial-sector
partnerships to translate classroom knowledge into meaningful financial
participation.
Download
Pages:49-51
How to cite this article:
Dr. Mujammil Pasha "The contribution of commerce education to financial inclusion". International Journal of Commerce and Management Research, Vol 11, Issue 10, 2025, Pages 49-51
Download Author Certificate
Please enter the email address corresponding to this article submission to download your certificate.