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            17by Allen, Franklin, Demirguc-Kunt, Asli, Klapper, Leora, Peria, Maria Soledad Martinez“…Financial inclusion -- defined here as the use of formal accounts -- can bring many…”
 Published 2013
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            18“… in the public schooling system and, implicitly, to pay a fee proportional…”
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            20“…Using information from 193 banks in 58 countries, the authors develop and analyze indicators…”
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