Financial Inclusion, the dependent variable, can be represented by a variety of indicators. Even so, in accordance with Wale and Makina (2017), this study categorized financial inclusion with bank account possession as "1" if the person has a bank account and "0" otherwise. The independent variable includes household and demographic characteristics such as gender, age, marital status, and the number of people in a home. Gender is a dualistic factor that is coded as "1" if the individual is male and "0" if the individual is female. Marital status is a numeric number that begins with "1" if the person is married or cohabiting and ends with "0" if the person is unmarried or widowed. The number of people in a household is a continuous variable that is defined as household size. Age is another continuous variable that represents people's ages. Age squared was added in the model to account for the possibility of a non-linear link between age and financial inclusion. Educational level is another categorical category that indicates an individual's educational standing. If the person has no educational qualification, it is marked "0," "1" if they have not completed tertiary education, and "2" if they have. Hours of working, which is also a continuous variable, is the number of hours an individual works in a week. Religious [aGT1] affiliation is also marked with 0 if the individual is Muslim and 1 if the individual is non-Muslim, and Disability is coded with "1" if the individual is disabled and 0 if the individual is not.

Take the variables one after the other and show how possibly they will be related to financial inclusion