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Introduction:

Financial inclusion is a critical component of economic development, as it allows individuals and communities to access essential financial services such as savings, credit, insurance, and payment services. Rotating savings and credit associations (ROSCAs) are a popular informal financial mechanism used by individuals in many countries to save and borrow money. This thesis explores the role of ROSCAs in promoting financial inclusion and economic empowerment.

Chapter 1: Introduction
1.1 Introduction
1.2 Background of study
1.3 Problem Statement
1.4 Objective of study
1.5 Limitation of study
1.6 Scope of study
1.7 Significance of study
1.8 Structure of the Thesis
1.9 Definition of terms

Chapter 2: Literature Review
2.1 Overview of financial inclusion
2.2 Informal financial mechanisms
2.3 Role of ROSCAs in promoting financial inclusion
2.4 Benefits and challenges of ROSCAs
2.5 Financial inclusion policies and strategies
2.6 Empirical studies on ROSCAs
2.7 Theoretical frameworks on financial inclusion
2.8 Role of technology in promoting financial inclusion
2.9 Gender perspectives on financial inclusion
2.10 Global perspectives on financial inclusion

Chapter 3: Research Methodology
3.1 Research design
3.2 Data collection methods
3.3 Sampling techniques
3.4 Data analysis methods
3.5 Research instrument development
3.6 Ethical considerations
3.7 Limitations of the study
3.8 Validity and reliability of the study

Chapter 4: Discussion of Findings
4.1 Demographic characteristics of ROSCA participants
4.2 Financial behavior and attitudes of ROSCA participants
4.3 Impact of ROSCAs on financial inclusion
4.4 Comparison of ROSCAs with formal financial institutions
4.5 Policy implications for promoting financial inclusion through ROSCAs
4.6 Recommendations for future research
4.7 Case studies of successful ROSCA models
4.8 Stakeholder perspectives on ROSCAs

Chapter 5: Conclusion and Summary
5.1 Summary of key findings
5.2 Implications for theory and practice
5.3 Contributions to the field of financial inclusion
5.4 Recommendations for policymakers and practitioners
5.5 Conclusion

Thesis Overview:

Financial inclusion is a crucial aspect of economic development, allowing individuals and communities to access essential financial services to improve their livelihoods. This thesis explores the role of rotating savings and credit associations (ROSCAs) in promoting financial inclusion and economic empowerment. The study reviews existing literature on financial inclusion, informal financial mechanisms, and the benefits and challenges of ROSCAs. The research methodology section outlines the design, data collection methods, and analysis techniques used to study ROSCAs’ impact on financial inclusion. The discussion of findings section presents demographic characteristics, financial behavior, and attitudes of ROSCA participants, as well as the impact of ROSCAs on financial inclusion. The conclusion and summary section summarizes key findings, discusses implications for theory and practice, and provides recommendations for policymakers and practitioners. This thesis contributes to the understanding of financial inclusion through ROSCAs and provides insights for promoting inclusive financial systems globally.

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