{"id":"https://openalex.org/W7220821978","doi":null,"title":"The Impact of National Intellectual Capital (NIC) on Financial Inclusion (FI): Evidence from Emerging Markets","display_name":"The Impact of National Intellectual Capital (NIC) on Financial Inclusion (FI): Evidence from Emerging Markets","publication_year":2025,"publication_date":"2025-01-30","ids":{"openalex":"https://openalex.org/W7220821978"},"language":"en","primary_location":{"id":"pmh:oai:dialoguesreview.com:article/250","doi":null,"is_oa":true,"landing_page_url":"https://dialoguesreview.com/index.php/2/article/view/250","pdf_url":"https://dialoguesreview.com/index.php/2/article/download/250/309","source":{"id":"https://openalex.org/S7407075242","display_name":"Dialogue Social Science Review (DSSR)","issn_l":"3007-3146","issn":["3007-3146","3007-3154"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"3007-3146","raw_type":"info:eu-repo/semantics/article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://dialoguesreview.com/index.php/2/article/download/250/309","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5107008392","display_name":"Maimoona Sadiq","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I206573129","display_name":"Islamia College University","ror":"https://ror.org/02p2c1595","country_code":"PK","type":"education","lineage":["https://openalex.org/I206573129"]}],"countries":["PK"],"is_corresponding":false,"raw_author_name":"Maimoona Sadiq","raw_affiliation_strings":["Department of Management Sciences , Islamia College University Peshawar "],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Management Sciences , Islamia College University Peshawar ","institution_ids":["https://openalex.org/I206573129"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5101757111","display_name":"Hamid Ullah","orcid":"https://orcid.org/0000-0001-7484-1169","observed_orcids":["https://orcid.org/0000-0001-7484-1169"]},"institutions":[{"id":"https://openalex.org/I206573129","display_name":"Islamia College University","ror":"https://ror.org/02p2c1595","country_code":"PK","type":"education","lineage":["https://openalex.org/I206573129"]}],"countries":["PK"],"is_corresponding":false,"raw_author_name":"Hamid Ullah","raw_affiliation_strings":["Department of Management Sciences , Islamia College University Peshawar "],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Management Sciences , Islamia College University Peshawar ","institution_ids":["https://openalex.org/I206573129"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I206573129"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.7792999744415283,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.7792999744415283,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13867","display_name":"Economic Growth and Development","score":0.1615000069141388,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11849","display_name":"Intellectual Capital and Performance Analysis","score":0.027699999511241913,"subfield":{"id":"https://openalex.org/subfields/1408","display_name":"Strategy and Management"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/national-intellectual-capital","display_name":"national intellectual capital","score":0.9990000128746033},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":1.0},{"id":"https://openalex.org/keywords/emerging-markets","display_name":"emerging markets","score":0.9810000061988831},{"id":"https://openalex.org/keywords/financial-services-accessibility","display_name":"financial services accessibility","score":0.453000009059906},{"id":"https://openalex.org/keywords/gender-inequality","display_name":"gender inequality","score":0.6930000185966492},{"id":"https://openalex.org/keywords/urbanization","display_name":"urbanization","score":0.9700000286102295},{"id":"https://openalex.org/keywords/inflation","display_name":"inflation","score":0.8519999980926514},{"id":"https://openalex.org/keywords/gross-domestic-product","display_name":"gross domestic product","score":0.722000002861023},{"id":"https://openalex.org/keywords/population-density","display_name":"population density","score":0.6700000166893005}],"concepts":[{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.904699981212616},{"id":"https://openalex.org/C121087249","wikidata":"https://www.wikidata.org/wiki/Q546395","display_name":"Emerging markets","level":2,"score":0.5508999824523926},{"id":"https://openalex.org/C44750222","wikidata":"https://www.wikidata.org/wiki/Q1897397","display_name":"Financial capital","level":3,"score":0.5149999856948853},{"id":"https://openalex.org/C109359841","wikidata":"https://www.wikidata.org/wiki/Q728944","display_name":"Inclusion (mineral)","level":2,"score":0.5041999816894531},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4595000147819519},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.4474000036716461},{"id":"https://openalex.org/C2780838347","wikidata":"https://www.wikidata.org/wiki/Q1329252","display_name":"Intellectual capital","level":2,"score":0.4212999939918518},{"id":"https://openalex.org/C2775924081","wikidata":"https://www.wikidata.org/wiki/Q55608371","display_name":"Control (management)","level":2,"score":0.4090999960899353},{"id":"https://openalex.org/C19244329","wikidata":"https://www.wikidata.org/wiki/Q208697","display_name":"Financial market","level":2,"score":0.4088999927043915},{"id":"https://openalex.org/C2908647359","wikidata":"https://www.wikidata.org/wiki/Q2625603","display_name":"Population","level":2,"score":0.4083000123500824},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.4043000042438507},{"id":"https://openalex.org/C2776943663","wikidata":"https://www.wikidata.org/wiki/Q165687","display_name":"Human capital","level":2,"score":0.40130001306533813},{"id":"https://openalex.org/C143910263","wikidata":"https://www.wikidata.org/wiki/Q750458","display_name":"Capital market","level":2,"score":0.3808000087738037},{"id":"https://openalex.org/C39853841","wikidata":"https://www.wikidata.org/wiki/Q161078","display_name":"Urbanization","level":2,"score":0.3716000020503998},{"id":"https://openalex.org/C200941418","wikidata":"https://www.wikidata.org/wiki/Q273508","display_name":"Inflation (cosmology)","level":2,"score":0.36910000443458557},{"id":"https://openalex.org/C83646750","wikidata":"https://www.wikidata.org/wiki/Q193893","display_name":"Capital (architecture)","level":2,"score":0.3447999954223633},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.313400000333786},{"id":"https://openalex.org/C6422946","wikidata":"https://www.wikidata.org/wiki/Q857354","display_name":"Panel data","level":2,"score":0.30730000138282776},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.2994000017642975},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.29910001158714294},{"id":"https://openalex.org/C57495647","wikidata":"https://www.wikidata.org/wiki/Q295385","display_name":"Economic capital","level":3,"score":0.2971999943256378},{"id":"https://openalex.org/C130731218","wikidata":"https://www.wikidata.org/wiki/Q1363554","display_name":"Financial analysis","level":2,"score":0.28679999709129333},{"id":"https://openalex.org/C47768531","wikidata":"https://www.wikidata.org/wiki/Q1127188","display_name":"Development economics","level":1,"score":0.2743000090122223},{"id":"https://openalex.org/C83864248","wikidata":"https://www.wikidata.org/wiki/Q177323","display_name":"Developing country","level":2,"score":0.27250000834465027},{"id":"https://openalex.org/C172497479","wikidata":"https://www.wikidata.org/wiki/Q302208","display_name":"Capital expenditure","level":2,"score":0.27219998836517334},{"id":"https://openalex.org/C2777747085","wikidata":"https://www.wikidata.org/wiki/Q5449743","display_name":"Financial sector development","level":3,"score":0.2689000070095062},{"id":"https://openalex.org/C2776811073","wikidata":"https://www.wikidata.org/wiki/Q1946428","display_name":"Capital control","level":4,"score":0.2687000036239624},{"id":"https://openalex.org/C100001284","wikidata":"https://www.wikidata.org/wiki/Q2248246","display_name":"Public economics","level":1,"score":0.26420000195503235},{"id":"https://openalex.org/C552854447","wikidata":"https://www.wikidata.org/wiki/Q131201","display_name":"Sustainable development","level":2,"score":0.26159998774528503},{"id":"https://openalex.org/C4249254","wikidata":"https://www.wikidata.org/wiki/Q3044431","display_name":"Demographic economics","level":1,"score":0.2533000111579895}],"mesh":[],"locations_count":1,"locations":[{"id":"pmh:oai:dialoguesreview.com:article/250","doi":null,"is_oa":true,"landing_page_url":"https://dialoguesreview.com/index.php/2/article/view/250","pdf_url":"https://dialoguesreview.com/index.php/2/article/download/250/309","source":{"id":"https://openalex.org/S7407075242","display_name":"Dialogue Social Science Review (DSSR)","issn_l":"3007-3146","issn":["3007-3146","3007-3154"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"3007-3146","raw_type":"info:eu-repo/semantics/article"}],"best_oa_location":{"id":"pmh:oai:dialoguesreview.com:article/250","doi":null,"is_oa":true,"landing_page_url":"https://dialoguesreview.com/index.php/2/article/view/250","pdf_url":"https://dialoguesreview.com/index.php/2/article/download/250/309","source":{"id":"https://openalex.org/S7407075242","display_name":"Dialogue Social Science Review (DSSR)","issn_l":"3007-3146","issn":["3007-3146","3007-3154"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"3007-3146","raw_type":"info:eu-repo/semantics/article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/10","score":0.9629999995231628,"display_name":"Reduced inequalities"},{"id":"https://metadata.un.org/sdg/8","score":0.5263000130653381,"display_name":"Decent work and economic growth"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7220821978.pdf","grobid_xml":"https://content.openalex.org/works/W7220821978.grobid-xml"},"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W4389954230","https://openalex.org/W4313647683","https://openalex.org/W4414211019","https://openalex.org/W7160306952","https://openalex.org/W7215471033","https://openalex.org/W7165787109","https://openalex.org/W4285183444","https://openalex.org/W7208761925","https://openalex.org/W4402728359","https://openalex.org/W4411024834"],"abstract_inverted_index":{"The":[0,41,59],"purpose":[1],"of":[2,10,63,81,98,116],"this":[3,20],"study":[4,65],"is":[5],"to":[6,26,108,125,140,158],"examine":[7],"the":[8,37,54,64,114,160],"impact":[9,38],"national":[11,45],"intellectual":[12,46],"capital":[13,47],"(NIC)":[14],"on":[15],"Financial":[16],"Inclusion":[17],"(FI).":[18],"For":[19],"purpose,":[21],"2SLS":[22],"methodology":[23],"was":[24,39],"employed":[25],"generate":[27],"novel":[28],"indices":[29],"for":[30],"NIC":[31,117],"and":[32,35,56,78,89,103,122,147,156],"financial":[33,50,71,82,99,109,127,135],"inclusion":[34,51,100,128],"then":[36],"observed.":[40],"findings":[42],"suggests":[43],"that":[44,67],"significantly":[48],"enhances":[49],"specifically":[52],"affecting":[53],"availability":[55],"accessibility":[57],"perspectives.":[58],"observed":[60],"control":[61,149],"variables":[62],"indicated":[66],"GDP":[68],"positively":[69],"impacts":[70],"inclusion,":[72,136],"however":[73],"inflation":[74,148],"negatively":[75],"affects":[76],"affordability":[77],"penetration":[79],"perspectives":[80],"inclusion.":[83],"Gender":[84],"inequality,":[85],"population":[86],"density,":[87],"urbanization":[88,146],"gender":[90,144],"equality":[91],"has":[92],"been":[93],"considered":[94],"an":[95],"essential":[96],"indicator":[97],"with":[101],"geographical":[102],"income":[104],"disparities":[105],"persuading":[106],"access":[107],"services.":[110],"This":[111],"research":[112],"emphasizes":[113],"significance":[115],"in":[118,130],"fostering":[119],"sustainable":[120],"development":[121],"evidence-based":[123],"strategies":[124,155],"improve":[126],"exclusively":[129],"emerging":[131],"nations.":[132],"To":[133],"augment":[134],"legislators":[137],"are":[138],"encouraged":[139],"prioritize":[141],"factors":[142],"like":[143],"equality,":[145],"while":[150],"regulators":[151],"should":[152],"develop":[153],"robust":[154],"frameworks":[157],"support":[159],"underserved.":[161]},"counts_by_year":[],"updated_date":"2026-10-08T09:06:37.294493","created_date":"2026-10-07T00:00:00"}
