@incollection{,
	
					
					
					7B948517852AE4581AB56FC56DB00975
				,
	author={{Nkouka SafoulanitouLeonard} and {Universite Marien Ngouabi}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}2014152
}

@incollection{b0,
	
	
		,
	title={{Finance, Financial Sector Policies and Long-Run Growth}}
		,
	author={{
			ADemirguc-Kunt
		} and {
			REt Levine
		}}
		
	
	
		,
	journal={{Policy Research Working Paper}}
		
			4469
			,
	year={2008}
		
	
	,
	note={Banque Mondiale}

}

@book{b1,
	
	
		,
	title={{}}
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	author={{
			EGelbard
		} and {
			AMGuldeg
		} and {
			RMaino
		}}
		
		
		
			,
	year={2014}
		
	

}

@book{b2,
	
	
		,
	title={{Développement financier en Afrique Subsaharienne: les enjeux pour une croissance soutenue, Revue d'économie financière}}
		
			116
			
		
	

}

@book{b3,
	
	
		,
	title={{L'inclusion financière en Afrique Subsaharienne : Faits stylisés et déterminants, Revue d'économie financière}}
		,
	author={{
			SGuerineaug
		} and {
			LJacolin
		}}
		
		
			,
	year={2014}
			116
			
		
	

}

@incollection{b4,
	
	
		,
	title={{Demand factors that influence}}
		,
	author={{
			CMHoyo
		} and {
			XHPeña
		} and {
			DTuesta
		}}
		
		
	
	
		,
	journal={{International Journal of Economics and Finance}}
		
			9
			4
			,
	year={2013. 2017}
		
	

}

@incollection{b5,
	
	
		,
	title={{Développement financier, instabilité financière et croissance économique}}
		,
	author={{
			KKpodar
		} and {
			SGuillaumomt
		}}
		
	
	
		,
	journal={{Economie et Prévision}}
		
			174
			
			,
	year={2006}
		
	

}

@incollection{b6,
	
	
		,
	title={{Education et marché du travail à Brazzaville et Pointe-Noire}}
		,
	author={{
			MKuepie
		} and {
			CJEt Nordman
		}}
		
	
	
		,
	journal={{STATECO}}
		
			107
			
			,
	year={2013}
		
	

}

@incollection{b7,
	
	
		,
	title={{l'accès au crédit individuel par les clients des institutions de microfinance du Congo : une analyse des déterminants de l'auto-exclusion et de l'obtention du prêt}}
		,
	author={{
			CMayoukou
		} and {
			MEt Kertous
		}}
		
	
	
		,
	journal={{Mondes en Développement}}
		
			169
			
			,
	year={2015}
		
	

}

@incollection{b8,
	
	
		,
	title={{Life-cycle, individual thrift, and the wealth of nations}}
		,
	author={{
			FModigliani
		}}
	
	
		,
	journal={{American Economic Review}}
		
			3
			
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	year={1986}
		
	

}

@book{b9,
	
	
		,
	title={{Initiative NEPAD-OCDE pour l'investissement en Afrique, Réunion Ministérielle et table ronde d'experts}}
		
		
			,
	year={2009}
		
	

}

@book{b10,
	
	
		,
	title={{Factors that Matter for Financial Inclusion: Evidence from Peru}}
		,
	author={{
			NClamara
		} and {
			XPeña
		} and {
			DTuesta
		}}
		
		
		14/09 Working Paper
		
			,
	year={2014}
		
	

}

@book{b11,
	
	
		,
	title={{determinants of financial inclusion in Africa: Approche sur le panel dynamique}}
		,
	author={{
			OlaniyiEvans
		} and {
			Akoka
		} and {
			Babatunde Adeoye
		}}
		
		
		
			,
	year={2016}
			22
			,
	address={Mauritius}
		
		
			University of Mauritius Research Journal
		
	

}

@book{b12,
	
	
		,
	title={{Financial inclusion and its determinants: the Argentine case}}
		,
	author={{
			DTuesta
		} and {
			GSorensen
		} and {
			AHaring
		} and {
			NCámara
		}}
		
		
		
		
			,
	year={2015}
		
	
	,
	note={15/03 Working Paper}

}

@incollection{b13,
	
	
		,
	title={{Barriers of Financial Inclusion in Sub-Saharan Africa}}
		,
	author={{
			DUlwodi
		} and {
			PMuriu
		}}
		
	
	
		,
	journal={{Journal of Economics and Sustainable Development}}
		
			8
			14
			,
	year={2017. 2017}
		
	

}

@incollection{b14,
	
	
		,
	title={{An In-Depth Study of Factors Affecting Financial Inclusion}}
		,
	author={{
			VikasNath
		} and {
			Et Bhawna Dhawan
		}}
		
	
	
		,
	journal={{International Journal of Engineering Technology Science and Research IJETSR}}
		
			4
			8
			,
	year={2017}
		
	

}

@incollection{b15,
	
	
		,
	title={{2013) l'inclusion financière autour de la méditerranée}}
		,
	author={{
			LZiadi
		}}
	
	
		,
	journal={{Maghreb-Machrek}}
		
			3
			
		
	

}

@incollection{b16,
	
	
		,
	title={{) the determinants of financial inclusion in Africa}}
		,
	author={{
			AZins
		} and {
			LWeill
		}}
		
	
	
		,
	journal={{Review of Development Finance}}
		
			6
			
			,
	year={2016}
		
	

}

@incollection{b17,
	
	
		,
	title={{Understanding financial inclusion in China, BOFIT-Institute for Economies in Transition Bank of Finland}}
		,
	author={{
			ZuzanaFungá?ová
		} and {
			LaurentWeill
		}}
		
	
	
		,
	journal={{BOFIT Discussion Papers}}
		
			10
			,
	year={2014. 2014}
		
	

}