Abstract:
Financial inclusion plays a crucial role in promoting economic development and reducing
poverty. In Ethiopia, despite efforts to expand access to formal financial services, a significant
portion of the population remains excluded. This study examines the factors influencing financial
inclusion in Ethiopia, focusing on the Lidata Sub City in Addis Ababa. Methodologically
researcher employed descriptive research design. Apply Financial inclusion makes formal
financial services digitally accessible and accessible to and underserved populations. Such
services should be tailored to the needs of consumers and delivered responsibly. Costs are
affordable for consumers and fair for providers. The study analyzes and found that from eleven
variables those were marital status, income, access, distance, trust and financial literacy
variables were significant. The overall finding of this study suggests that financial inclusion
significantly affected by marital status, income, access, trust financial literacy .This study
mentions that commercial Banks should be invest on these major determinant factors, especially
on access, distance and financial literacy to get high return in profit and helping the economic
development.
