"A inclus\u00E3o financeira \u00E9 definida como a disponibilidade e igualdade de oportunidades de acesso a servi\u00E7os financeiros. Refere-se a um processo pelo qual indiv\u00EDduos e empresas podem acessar produtos e servi\u00E7os financeiros apropriados, acess\u00EDveis e oportunos. Estes incluem produtos banc\u00E1rios, empr\u00E9stimos, a\u00E7\u00F5es e seguros. Esfor\u00E7os de inclus\u00E3o financeira normalmente visam aqueles que n\u00E3o possuem conta banc\u00E1ria, direcionando servi\u00E7os financeiros sustent\u00E1veis \u200B\u200Bpara eles. Por inclus\u00E3o financeira entende-se que vai al\u00E9m da mera abertura de conta banc\u00E1ria. \u00C9 poss\u00EDvel que indiv\u00EDduos banc\u00E1rios sejam exclu\u00EDdos dos servi\u00E7os financeiros. Ter sistemas financeiros mais inclusivos tem sido associado a um crescimento e desenvolvimento econ\u00F4mico mais forte e sustent\u00E1vel e, assim, alcan\u00E7ar a inclus\u00E3o financ"@pt . . "Financial inclusion is defined as the availability and equality of opportunities to access financial services. It refers to a process by which individuals and businesses can access appropriate, affordable, and timely financial products and services. These include banking, loan, equity, and insurance products. Financial inclusion efforts typically target those who are unbanked and underbanked, and directs sustainable financial services to them. Financial inclusion is understood to go beyond merely opening a bank account. It is possible for banked individuals to be excluded from financial services. Having more inclusive financial systems has been linked to stronger and more sustainable economic growth and development and thus achieving financial inclusion has become a priority for many countries across the globe. In 2018, it was estimated that about 1.7 billion adults lacked a bank account. Among those who are un-banked a significant number were women and poor people in rural areas and often those who are excluded from financial institutions, face discrimination and belong to vulnerable or marginalized populations. Due to the lack of financial infrastructure many under-served and low-income communities suffer. Specifically, the lack of proper information can be detrimental to low-income communities and expose them to financial risks. For instance, payday loans target low-income persons who are not adequately informed about interest rates and compound interest. They become trapped and indebted to these predatory institutions. The public sector spearheads outreach and education for adults to receive free financial services such as education, tax preparation, and welfare assistance. Non-profit organizations dedicate themselves to serving underprivileged communities through private resources and state funding. Within California, state legislation allows for grants to be disbursed during the fiscal year and non-profits can apply for additional funding. Bill AB-423 is an example of the state recognizing the lack of financial inclusion of young adults, the bill encourages pupil instruction and financial literacy lessons to begin as early as grade 9. While it is recognized that not all individuals need or want financial services, the goal of financial inclusion is to remove all barriers, both supply side and demand side. Supply side barriers stem from financial institutions themselves. They often indicate poor financial infrastructure, and include lack of nearby financial institutions, high costs to opening accounts, or documentation requirements. Demand side barriers refer to aspects of the individual seeking financial services and include poor financial literacy, lack of financial capability, or cultural or religious beliefs that impact their financial decisions. There is some skepticism from some experts about the effectiveness of financial inclusion initiatives. Research on microfinance initiatives indicates that wide availability of credit for micro-entrepreneurs can produce informal inter-mediation, an unintended form of entrepreneurship."@en . . . . . . . . . . . . . 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\u91D1\u878D\u30A4\u30F3\u30D5\u30E9\u304C\u4E0D\u8DB3\u3057\u3066\u3044\u308B\u305F\u3081\u3001\u30B5\u30FC\u30D3\u30B9\u306E\u884C\u304D\u5C4A\u3044\u3066\u3044\u306A\u3044\u4F4E\u6240\u5F97\u306E\u30B3\u30DF\u30E5\u30CB\u30C6\u30A3\u306E\u591A\u304F\u304C\u82E6\u3057\u3093\u3067\u3044\u308B\u3002\u5177\u4F53\u7684\u306B\u306F\u3001\u9069\u5207\u306A\u60C5\u5831\u306E\u6B20\u5982\u306F\u3001\u4F4E\u6240\u5F97\u8005\u5C64\u306B\u3068\u3063\u3066\u4E0D\u5229\u76CA\u3068\u306A\u308A\u3001\u91D1\u878D\u30EA\u30B9\u30AF\u306B\u3055\u3089\u3055\u308C\u308B\u53EF\u80FD\u6027\u304C\u3042\u308B\u3002\u4F8B\u3048\u3070\u3001\u30DA\u30A4\u30C7\u30A4\u30ED\u30FC\u30F3(payday loans)\u306F\u3001\u91D1\u5229\u3084\u8907\u5229\u306B\u3064\u3044\u3066\u5341\u5206\u306A\u60C5\u5831\u3092\u6301\u305F\u306A\u3044\u4F4E\u6240\u5F97\u8005\u3092\u5BFE\u8C61\u3068\u3057\u3066\u3044\u308B\u3002\u5F7C\u3089\u306F\u3001\u3053\u3046\u3057\u305F\u7565\u596A\u7684\u306A\u91D1\u878D\u6A5F\u95A2\u306B\u6355\u3089\u308F\u308C\u3001\u8CA0\u50B5\u3092\u62B1\u3048\u308B\u3053\u3068\u306B\u306A\u308B\u3002 \u516C\u5171\u90E8\u9580\u306F\u3001\u6559\u80B2\u3001\u7D0D\u7A0E\u6E96\u5099\u3001\u798F\u7949\u652F\u63F4\u306A\u3069\u306E\u91D1\u878D\u30B5\u30FC\u30D3\u30B9\u3092\u7121\u6599\u3067\u53D7\u3051\u3089\u308C\u308B\u3088\u3046\u3001\u6210\u4EBA\u306E\u305F\u3081\u306E\u652F\u63F4\u6D3B\u52D5\u3084\u6559\u80B2\u3092\u7387\u5148\u3057\u3066\u884C\u3063\u3066\u3044\u308B\u3002\u975E\u55B6\u5229\u56E3\u4F53\u306F\u3001\u79C1\u8CA1\u3084\u56FD\u306E\u8CC7\u91D1\u3092\u5229\u7528\u3057\u3066\u3001\u6075\u307E\u308C\u306A\u3044\u5730\u57DF\u306B\u8CA2\u732E\u3059\u308B\u3053\u3068\u306B\u5C02\u5FF5\u3057\u3066\u3044\u308B\u3002\u30AB\u30EA\u30D5\u30A9\u30EB\u30CB\u30A2\u5DDE\u3067\u306F\u3001\u5DDE\u6CD5\u306B\u3088\u308A\u3001\u5E74\u5EA6\u5185\u306B\u52A9\u6210\u91D1\u304C\u652F\u7D66\u3055\u308C\u3001\u975E\u55B6\u5229\u56E3\u4F53\u306F\u8FFD\u52A0\u52A9\u6210\u91D1\u3092\u7533\u8ACB\u3059\u308B\u3053\u3068\u304C\u3067\u304D\u308B\u3002Bill AB-423\u306F\u3001\u82E5\u5E74\u5C64\u306E\u91D1\u878D\u5305\u6442\u304C\u9032\u3093\u3067\u3044\u306A\u3044\u3053\u3068\u3092\u5DDE\u304C\u8A8D\u3081\u305F\u4F8B\u3067\u3001\u3053\u306E\u6CD5\u6848\u306F\u3001\u751F\u5F92\u3078\u306E\u6307\u5C0E\u3068\u91D1\u878D\u6D3B\u7528\u80FD\u529B\u306E\u6388\u696D\u3092\u65E9\u3051\u308C\u30709\u5E74\u751F\u304B\u3089\u59CB\u3081\u308B\u3088\u3046\u5968\u52B1\u3057\u3066\u3044\u308B\u3002 \u3059\u3079\u3066\u306E\u500B\u4EBA\u304C\u91D1\u878D\u30B5\u30FC\u30D3\u30B9\u3092\u5FC5\u8981\u3068\u3057\u3001\u671B\u3093\u3067\u3044\u308B\u308F\u3051\u3067\u306F\u306A\u3044\u3053\u3068\u306F\u8A8D\u8B58\u3055\u308C\u3066\u3044\u308B\u304C\u3001\u91D1\u878D\u5305\u6442\u306E\u76EE\u6A19\u306F\u3001\u4F9B\u7D66\u5074\u3068\u9700\u8981\u5074\u306E\u4E21\u65B9\u306E\u3059\u3079\u3066\u306E\u969C\u58C1\u3092\u53D6\u308A\u9664\u304F\u3053\u3068\u3067\u3042\u308B\u3002\u4F9B\u7D66\u5074\u306E\u969C\u58C1\u306F\u3001\u91D1\u878D\u6A5F\u95A2\u305D\u306E\u3082\u306E\u306B\u8D77\u56E0\u3059\u308B\u3002\u3053\u306E\u3088\u3046\u306A\u5834\u5408\u3001\u8FD1\u304F\u306B\u91D1\u878D\u6A5F\u95A2\u304C\u306A\u3044\u3001\u53E3\u5EA7\u958B\u8A2D\u306E\u30B3\u30B9\u30C8\u304C\u9AD8\u3044\u3001\u66F8\u985E\u4F5C\u6210\u304C\u5FC5\u8981\u306A\u3069\u3001\u91D1\u878D\u30A4\u30F3\u30D5\u30E9\u306E\u4E0D\u5099\u304C\u6307\u6458\u3055\u308C\u308B\u3053\u3068\u304C\u591A\u3044\u3002\u9700\u8981\u5074\u306E\u969C\u58C1\u306F\u3001\u91D1\u878D\u30B5\u30FC\u30D3\u30B9\u3092\u53D7\u3051\u3088\u3046\u3068\u3059\u308B\u500B\u4EBA\u306E\u5074\u9762\u3092\u6307\u3057\u3001\u91D1\u878D\u6D3B\u7528\u80FD\u529B\u306E\u4F4E\u3055\u3001\u7D4C\u6E08\u529B\u306E\u6B20\u5982\u3001\u91D1\u878D\u306E\u610F\u601D\u6C7A\u5B9A\u306B\u5F71\u97FF\u3092\u4E0E\u3048\u308B\u6587\u5316\u7684\u30FB\u5B97\u6559\u7684\u4FE1\u5FF5\u306A\u3069\u304C\u542B\u307E\u308C\u308B\u3002 \u91D1\u878D\u5305\u6442\u306E\u53D6\u308A\u7D44\u307F\u306E\u52B9\u679C\u306B\u3064\u3044\u3066\u306F\u3001\u4E00\u90E8\u306E\u5C02\u9580\u5BB6\u304B\u3089\u61D0\u7591\u7684\u306A\u610F\u898B\u3082\u805E\u304B\u308C\u308B\u3002\u30DE\u30A4\u30AF\u30ED\u30D5\u30A1\u30A4\u30CA\u30F3\u30B9\u306E\u53D6\u308A\u7D44\u307F\u306B\u95A2\u3059\u308B\u7814\u7A76\u3067\u306F\u3001\u96F6\u7D30\u4F01\u696D\u5BB6\u304C\u5E83\u304F\u878D\u8CC7\u3092\u53D7\u3051\u3089\u308C\u308B\u3088\u3046\u306B\u306A\u308B\u3068\u3001\u610F\u56F3\u3057\u306A\u3044\u8D77\u696D\u306E\u5F62\u614B\u3067\u3042\u308B\u975E\u516C\u5F0F\u306A\u76F8\u4E92\u4EF2\u4ECB\u304C\u751F\u307E\u308C\u308B\u3053\u3068\u304C\u6307\u6458\u3055\u308C\u3066\u3044\u308B\u3002"@ja . . . . . . . . . . . . "\u91D1\u878D\u5305\u6442"@ja . "L\u2019inclusion financi\u00E8re (ou finance inclusive) d\u00E9signe l\u2019offre de services financiers et bancaires de base \u00E0 faible co\u00FBt sp\u00E9cifique pour des personnes pauvres et/ou en situation de difficult\u00E9 financi\u00E8re, et de ce fait exclus des services traditionnels. Les services bancaires sont aujourd\u2019hui indispensables \u00E0 une bonne int\u00E9gration sociale. L\u2019inclusion financi\u00E8re est donc le pendant de \u00AB l\u2019exclusion bancaire \u00BB directement li\u00E9e \u00E0 l\u2019exclusion sociale."@fr . . . . "49972"^^ . . . . "\u0424\u0456\u043D\u0430\u043D\u0441\u043E\u0432\u0430 \u0456\u043D\u043A\u043B\u044E\u0437\u0456\u044F (\u0444\u0456\u043D\u0430\u043D\u0441\u043E\u0432\u0435 \u0432\u043A\u043B\u044E\u0447\u0435\u043D\u043D\u044F) \u2014 \u0446\u0435 \u0440\u0456\u0432\u043D\u0438\u0439 \u0434\u043E\u0441\u0442\u0443\u043F \u0442\u0430 \u0432\u0438\u043A\u043E\u0440\u0438\u0441\u0442\u0430\u043D\u043D\u044F \u0444\u0456\u043D\u0430\u043D\u0441\u043E\u0432\u0438\u0445 \u043F\u0440\u043E\u0434\u0443\u043A\u0442\u0456\u0432 \u0442\u0430 \u043F\u043E\u0441\u043B\u0443\u0433, \u044F\u043A\u0456: \n* \u043F\u0440\u0438\u0439\u043D\u044F\u0442\u043D\u0456 \u0437\u0430 \u0446\u0456\u043D\u043E\u044E; \n* \u0432\u0456\u0434\u043F\u043E\u0432\u0456\u0434\u0430\u044E\u0442\u044C \u043F\u043E\u0442\u0440\u0435\u0431\u0430\u043C \u0434\u043E\u043C\u043E\u0433\u043E\u0441\u043F\u043E\u0434\u0430\u0440\u0441\u0442\u0432 \u0442\u0430 \u043F\u0456\u0434\u043F\u0440\u0438\u0454\u043C\u0441\u0442\u0432; \n* \u0434\u043E\u0441\u0442\u0443\u043F\u043D\u0456 \u0434\u043B\u044F \u0432\u0441\u0456\u0445 \u0441\u0435\u0433\u043C\u0435\u043D\u0442\u0456\u0432 \u0441\u0443\u0441\u043F\u0456\u043B\u044C\u0441\u0442\u0432\u0430 \u043D\u0435\u0437\u0430\u043B\u0435\u0436\u043D\u043E \u0432\u0456\u0434 \u0434\u043E\u0445\u043E\u0434\u0443 \u0442\u0430 \u043C\u0456\u0441\u0446\u044F \u043F\u0440\u043E\u0436\u0438\u0432\u0430\u043D\u043D\u044F; \n* \u043D\u0430\u0434\u0430\u044E\u0442\u044C\u0441\u044F \u043F\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043D\u0438\u043A\u0430\u043C\u0438 \u0444\u0456\u043D\u0430\u043D\u0441\u043E\u0432\u043E\u0433\u043E \u0441\u0435\u043A\u0442\u043E\u0440\u0443 \u0432\u0456\u0434\u043F\u043E\u0432\u0456\u0434\u0430\u043B\u044C\u043D\u043E \u0442\u0430 \u0435\u043A\u043E\u043B\u043E\u0433\u0456\u0447\u043D\u043E \u0434\u043B\u044F \u0443\u0441\u0456\u0445 \u0443\u0447\u0430\u0441\u043D\u0438\u043A\u0456\u0432 \u043F\u0440\u043E\u0446\u0435\u0441\u0443."@uk . . . . . . "Inclus\u00E3o financeira"@pt . "Financial inclusion is defined as the availability and equality of opportunities to access financial services. It refers to a process by which individuals and businesses can access appropriate, affordable, and timely financial products and services. These include banking, loan, equity, and insurance products. Financial inclusion efforts typically target those who are unbanked and underbanked, and directs sustainable financial services to them. Financial inclusion is understood to go beyond merely opening a bank account. It is possible for banked individuals to be excluded from financial services. Having more inclusive financial systems has been linked to stronger and more sustainable economic growth and development and thus achieving financial inclusion has become a priority for many count"@en . . . . . . . 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"La llamada inclusi\u00F3n financiera alude al \u201Cacceso a diversos productos financieros y servicios financieros de calidad\u201D, y se est\u00E1 popularizando en todo el planeta. Con ella se facilita el acceso a servicios o productos financieros seguros de diversos segmentos de la poblaci\u00F3n, en especial de los segmentos desbancarizados. Este acceso contribuir\u00E1 posteriormente al incremento de los ingresos de esos segmentos, dando pie a crecimiento econ\u00F3mico y mejora social, y por ende, logrando una mayor estabilidad financiera en vastos sectores de poblaci\u00F3n.\u200B\u200B\u200B"@es . . . "Financial inclusion"@en . . . "\u666E\u60E0\u91D1\u878D\uFF08\u82F1\u6587\uFF1AInclusive Financing\uFF09\u662F\u806F\u5408\u570B\u65BC2005\u5E74\u63D0\u51FA\u7684\u91D1\u878D\u670D\u52D9\u6982\u5FF5\uFF0C\u610F\u6307\u666E\u7F85\u5927\u773E\u5747\u6709\u5E73\u7B49\u6A5F\u6703\u7372\u5F97\u8CA0\u8CAC\u4EFB\u3001\u53EF\u6301\u7E8C\u7684\u91D1\u878D\u670D\u52D9\uFF1B\u53C8\u7A31\u5305\u5BB9\u6027\u91D1\u878D\uFF0C\u5176\u6838\u5FC3\u662F\u6709\u6548\u3001\u5168\u65B9\u4F4D\u5730\u70BA\u793E\u6703\u6240\u6709\u968E\u5C64\u548C\u7FA4\u9AD4\u63D0\u4F9B\u91D1\u878D\u670D\u52D9\uFF0C\u5C24\u5176\u662F\u90A3\u4E9B\u88AB\u50B3\u7D71\u91D1\u878D\u5FFD\u8996\u7684\u8FB2\u6751\u5730\u5340\u3001\u57CE\u9109\u8CA7\u56F0\u7FA4\u9AD4\u3001\u5FAE\u5C0F\u4F01\u696D\u3002\u8FD1\u5E74\u4F86\uFF0C\u96A8\u8457\u79D1\u6280\u8207\u74B0\u5883\u7684\u5FEB\u901F\u6F14\u8B8A\uFF0C\u300C\u91D1\u878D\u79D1\u6280\u300D\u6210\u70BA\u63A8\u5C55\u666E\u60E0\u91D1\u878D\u7684\u91CD\u8981\u529B\u91CF\u3002"@zh . "\u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064A \u0623\u0648 \u0627\u0644\u0627\u0634\u062A\u0645\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064A\u060C \u0645\u0635\u0637\u0644\u062D \u0623\u0637\u0644\u0642 \u0639\u0644\u064A\u0647 \u0627\u0644\u0639\u062F\u064A\u062F \u0645\u0646 \u0627\u0644\u062A\u0639\u0631\u064A\u0641\u0627\u062A\u060C \u0648\u0644\u0639\u0644 \u0623\u0628\u0631\u0632\u0647\u0627: \u0625\u062F\u062E\u0627\u0644 \u0623\u0648 \u062F\u0645\u062C \u0627\u0644\u0641\u0626\u0627\u062A \u0627\u0644\u062A\u064A \u064A\u0637\u0644\u0642 \u0639\u0644\u064A\u0647\u0627 \u0645\u0647\u0645\u0651\u0634\u0629 \u0645\u0627\u0644\u064A\u0627 \u0623\u0648 \u0645\u0646 \u0630\u0648\u064A \u0627\u0644\u062F\u062E\u0644 \u0627\u0644\u0645\u0627\u0644\u064A \u0627\u0644\u0645\u0646\u062E\u0641\u0636 \u0627\u0644\u0630\u064A \u0644\u0627 \u064A\u0633\u0645\u062D \u0644\u0647\u0627 \u0628\u0627\u0644\u0627\u0646\u062E\u0631\u0627\u0637 \u0641\u064A \u0639\u0645\u0644\u064A\u0627\u062A \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0635\u0631\u0641\u064A\u060C \u0628\u0627\u0644\u062A\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u062C\u0647\u0627\u0632 \u0627\u0644\u0645\u0635\u0631\u0641\u064A \u0645\u0646 \u062E\u0644\u0627\u0644 \u0645\u0646\u0638\u0648\u0645\u0629 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0631\u0642\u0645\u064A\u0629 \u0628\u0627\u0633\u062A\u062E\u062F\u0627\u0645 \u0627\u0644\u0645\u062D\u0645\u0648\u0644\u060C \u0628\u0645\u0639\u0646\u0649 \u0625\u062A\u0645\u0627\u0645 \u062C\u0645\u064A\u0639 \u0627\u0644\u062A\u0639\u0627\u0645\u0644\u0627\u062A \u0627\u0644\u0645\u0627\u0644\u064A\u0629 \u0628\u0637\u0631\u064A\u0642\u0629 \u0625\u0644\u0643\u062A\u0631\u0648\u0646\u064A\u0629. \u0648\u064A\u0647\u062A\u0645 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064A \u0628\u062A\u0642\u062F\u064A\u0645 \u0627\u0644\u062E\u062F\u0645\u0627\u062A \u0627\u0644\u0645\u0627\u0644\u064A\u0629 \u0628\u0627\u0633\u062A\u062E\u062F\u0627\u0645 \u0627\u0644\u0637\u0631\u0642 \u0627\u0644\u0633\u06BE\u0644\u0629 \u0648\u0627\u0644\u0628\u0633\u064A\u0637\u0629 \u0648\u0628\u0623\u0642\u0644 \u0627\u0644\u062A\u0643\u0627\u0644\u064A\u0641\u060C \u0645\u062B\u0644 \u0627\u0644\u062F\u0641\u0639 \u0639\u0646 \u0637\u0631\u064A\u0642 \u0627\u0644\u06BE\u0627\u062A\u0641 \u0627\u0644\u0645\u062D\u0645\u0648\u0644."@ar . "A inclus\u00E3o financeira \u00E9 definida como a disponibilidade e igualdade de oportunidades de acesso a servi\u00E7os financeiros. Refere-se a um processo pelo qual indiv\u00EDduos e empresas podem acessar produtos e servi\u00E7os financeiros apropriados, acess\u00EDveis e oportunos. Estes incluem produtos banc\u00E1rios, empr\u00E9stimos, a\u00E7\u00F5es e seguros. Esfor\u00E7os de inclus\u00E3o financeira normalmente visam aqueles que n\u00E3o possuem conta banc\u00E1ria, direcionando servi\u00E7os financeiros sustent\u00E1veis \u200B\u200Bpara eles. Por inclus\u00E3o financeira entende-se que vai al\u00E9m da mera abertura de conta banc\u00E1ria. \u00C9 poss\u00EDvel que indiv\u00EDduos banc\u00E1rios sejam exclu\u00EDdos dos servi\u00E7os financeiros. Ter sistemas financeiros mais inclusivos tem sido associado a um crescimento e desenvolvimento econ\u00F4mico mais forte e sustent\u00E1vel e, assim, alcan\u00E7ar a inclus\u00E3o financeira tornou-se uma prioridade para muitos pa\u00EDses em todo o mundo. Em 2018, estimou-se que cerca de 1,7 bilh\u00E3o de adultos n\u00E3o tinham conta banc\u00E1ria. Entre os n\u00E3o bancarizados, um n\u00FAmero significativo eram mulheres e pessoas pobres em \u00E1reas rurais e, muitas vezes, aqueles que s\u00E3o exclu\u00EDdos das institui\u00E7\u00F5es financeiras, sofrem discrimina\u00E7\u00E3o e pertencem a popula\u00E7\u00F5es vulner\u00E1veis \u200B\u200Bou marginalizadas. Devido \u00E0 falta de infraestrutura financeira, muitas comunidades carentes e de baixa renda sofrem. Especificamente, a falta de informa\u00E7\u00F5es adequadas pode ser prejudicial \u00E0s comunidades de baixa renda e exp\u00F4-las a riscos financeiros. Por exemplo, os empr\u00E9stimos consignados visam pessoas de baixa renda que n\u00E3o s\u00E3o adequadamente informadas sobre taxas de juros e juros compostos. Eles ficam presos e endividados com essas institui\u00E7\u00F5es predat\u00F3rias. O setor p\u00FAblico lidera o alcance e a educa\u00E7\u00E3o para que os adultos recebam servi\u00E7os financeiros gratuitos, como educa\u00E7\u00E3o, prepara\u00E7\u00E3o de impostos e assist\u00EAncia social. Organiza\u00E7\u00F5es sem fins lucrativos se dedicam a atender comunidades carentes por meio de recursos privados e financiamento estatal. Na Calif\u00F3rnia, a legisla\u00E7\u00E3o estadual permite que os subs\u00EDdios sejam desembolsados \u200B\u200Bdurante o ano fiscal e organiza\u00E7\u00F5es sem fins lucrativos podem solicitar financiamento adicional. O projeto de lei AB-423 \u00E9 um exemplo do estado reconhecendo a falta de inclus\u00E3o financeira de jovens adultos, o projeto incentiva a instru\u00E7\u00E3o dos alunos e as aulas de alfabetiza\u00E7\u00E3o financeira para come\u00E7ar j\u00E1 no 9.\u00BA ano. Embora se reconhe\u00E7a que nem todos os indiv\u00EDduos precisam ou desejam servi\u00E7os financeiros, o objetivo da inclus\u00E3o financeira \u00E9 remover todas as barreiras, tanto do lado da oferta quanto do lado da demanda. As barreiras do lado da oferta decorrem das pr\u00F3prias institui\u00E7\u00F5es financeiras. Eles geralmente indicam infraestrutura financeira prec\u00E1ria e incluem falta de institui\u00E7\u00F5es financeiras pr\u00F3ximas, altos custos para abertura de contas ou requisitos de documenta\u00E7\u00E3o. As barreiras do lado da demanda referem-se a aspectos do indiv\u00EDduo que procura servi\u00E7os financeiros e incluem baixa alfabetiza\u00E7\u00E3o financeira, falta de capacidade financeira ou cren\u00E7as culturais ou religiosas que afetam suas decis\u00F5es financeiras. H\u00E1 algum ceticismo de alguns especialistas sobre a efic\u00E1cia das iniciativas de inclus\u00E3o financeira. Pesquisas sobre iniciativas de microfinan\u00E7as indicam que a ampla disponibilidade de cr\u00E9dito para microempreendedores pode produzir intermedia\u00E7\u00E3o informal, uma forma n\u00E3o intencional de empreendedorismo."@pt . . . "\u0634\u0645\u0648\u0644 \u0645\u0627\u0644\u064A"@ar . . . . "\u91D1\u878D\u5305\u6442\uFF08\u304D\u3093\u3086\u3046\u307B\u3046\u305B\u3064\uFF09\u306F\u3001\u91D1\u878D\u30B5\u30FC\u30D3\u30B9\u3092\u5229\u7528\u3059\u308B\u6A5F\u4F1A\u304C\u3042\u308A\u3001\u304B\u3064\u5E73\u7B49\u3067\u3042\u308B\u3053\u3068\u3068\u5B9A\u7FA9\u3055\u308C\u3066\u3044\u308B\u3002\u3053\u308C\u306F\u3001\u500B\u4EBA\u3084\u4F01\u696D\u304C\u9069\u5207\u3067\u624B\u9803\u306A\u4FA1\u683C\u306E\u30BF\u30A4\u30E0\u30EA\u30FC\u306A\u91D1\u878D\u5546\u54C1\u3084\u30B5\u30FC\u30D3\u30B9\u306B\u30A2\u30AF\u30BB\u30B9\u3067\u304D\u308B\u30D7\u30ED\u30BB\u30B9\u3092\u6307\u3059\u3002\u3053\u308C\u3089\u306B\u306F\u3001\u9280\u884C\u3001\u878D\u8CC7\u3001\u682A\u5F0F\u3001\u304A\u3088\u3073\u4FDD\u967A\u5546\u54C1\u304C\u542B\u307E\u308C\u308B\u3002\u91D1\u878D\u5305\u6442\u306E\u53D6\u308A\u7D44\u307F\u306F\u901A\u5E38\u3001\u9280\u884C\u53E3\u5EA7\u3092\u6301\u305F\u306A\u3044\u4EBA\u3005(Unbanked)\u3084\u9280\u884C\u30B5\u30FC\u30D3\u30B9\u3092\u5341\u5206\u306B\u5229\u7528\u3067\u304D\u306A\u3044\u4EBA\u3005(Underbanked)\u3092\u5BFE\u8C61\u3068\u3057\u3001\u6301\u7D9A\u53EF\u80FD\u306A\u91D1\u878D\u30B5\u30FC\u30D3\u30B9\u3092\u5F7C\u3089\u306B\u5411\u3051\u3066\u63D0\u4F9B\u3059\u308B\u3002\u91D1\u878D\u5305\u6442\u306F\u3001\u5358\u306B\u9280\u884C\u53E3\u5EA7\u3092\u958B\u8A2D\u3059\u308B\u3060\u3051\u3067\u306F\u306A\u3044\u3068\u7406\u89E3\u3055\u308C\u3066\u3044\u308B\u3002\u9280\u884C\u53E3\u5EA7\u3092\u6301\u3064\u4EBA\u304C\u91D1\u878D\u30B5\u30FC\u30D3\u30B9\u304B\u3089\u6392\u9664\u3055\u308C\u308B\u3053\u3068\u306F\u3042\u308A\u5F97\u308B\u3002\u3088\u308A\u5305\u62EC\u7684\u306A\u91D1\u878D\u30B7\u30B9\u30C6\u30E0\u3092\u6301\u3064\u3053\u3068\u306F\u3001\u3088\u308A\u5F37\u529B\u3067\u6301\u7D9A\u53EF\u80FD\u306A\u7D4C\u6E08\u6210\u9577\u3068\u958B\u767A\u306B\u3064\u306A\u304C\u308B\u305F\u3081\u3001\u91D1\u878D\u5305\u6442\u306E\u5B9F\u73FE\u306F\u4E16\u754C\u4E2D\u306E\u591A\u304F\u306E\u56FD\u306B\u3068\u3063\u3066\u512A\u5148\u4E8B\u9805\u3068\u306A\u3063\u3066\u3044\u308B\u30022018\u5E74\u3001\u9280\u884C\u53E3\u5EA7\u3092\u6301\u305F\u306A\u3044\u6210\u4EBA\u306F\u7D0417\u5104\u4EBA\u3068\u63A8\u5B9A\u3055\u308C\u3066\u3044\u308B\u3002\u9280\u884C\u53E3\u5EA7\u3092\u6301\u305F\u306A\u3044\u4EBA\u306E\u4E2D\u306B\u306F\u3001\u8FB2\u6751\u90E8\u306E\u5973\u6027\u3084\u8CA7\u56F0\u5C64\u304C\u591A\u304F\u3001\u91D1\u878D\u6A5F\u95A2\u304B\u3089\u6392\u9664\u3055\u308C\u3001\u5DEE\u5225\u306B\u76F4\u9762\u3057\u3001\u793E\u4F1A\u7684\u5F31\u8005\u3084\u5468\u7E01\u5316\u3055\u308C\u305F\u4EBA\u3005\u306B\u5C5E\u3057\u3066\u3044\u308B\u5834\u5408\u304C\u5C11\u306A\u304F\u306A\u3044\u3002 \u91D1\u878D\u5305\u6442\u306E\u53D6\u308A\u7D44\u307F\u306E\u52B9\u679C\u306B\u3064\u3044\u3066\u306F\u3001\u4E00\u90E8\u306E\u5C02\u9580\u5BB6\u304B\u3089\u61D0\u7591\u7684\u306A\u610F\u898B\u3082\u805E\u304B\u308C\u308B\u3002\u30DE\u30A4\u30AF\u30ED\u30D5\u30A1\u30A4\u30CA\u30F3\u30B9\u306E\u53D6\u308A\u7D44\u307F\u306B\u95A2\u3059\u308B\u7814\u7A76\u3067\u306F\u3001\u96F6\u7D30\u4F01\u696D\u5BB6\u304C\u5E83\u304F\u878D\u8CC7\u3092\u53D7\u3051\u3089\u308C\u308B\u3088\u3046\u306B\u306A\u308B\u3068\u3001\u610F\u56F3\u3057\u306A\u3044\u8D77\u696D\u306E\u5F62\u614B\u3067\u3042\u308B\u975E\u516C\u5F0F\u306A\u76F8\u4E92\u4EF2\u4ECB\u304C\u751F\u307E\u308C\u308B\u3053\u3068\u304C\u6307\u6458\u3055\u308C\u3066\u3044\u308B\u3002"@ja . . "\u0424\u0456\u043D\u0430\u043D\u0441\u043E\u0432\u0430 \u0456\u043D\u043A\u043B\u044E\u0437\u0456\u044F"@uk . . . . . "\u666E\u60E0\u91D1\u878D\uFF08\u82F1\u6587\uFF1AInclusive Financing\uFF09\u662F\u806F\u5408\u570B\u65BC2005\u5E74\u63D0\u51FA\u7684\u91D1\u878D\u670D\u52D9\u6982\u5FF5\uFF0C\u610F\u6307\u666E\u7F85\u5927\u773E\u5747\u6709\u5E73\u7B49\u6A5F\u6703\u7372\u5F97\u8CA0\u8CAC\u4EFB\u3001\u53EF\u6301\u7E8C\u7684\u91D1\u878D\u670D\u52D9\uFF1B\u53C8\u7A31\u5305\u5BB9\u6027\u91D1\u878D\uFF0C\u5176\u6838\u5FC3\u662F\u6709\u6548\u3001\u5168\u65B9\u4F4D\u5730\u70BA\u793E\u6703\u6240\u6709\u968E\u5C64\u548C\u7FA4\u9AD4\u63D0\u4F9B\u91D1\u878D\u670D\u52D9\uFF0C\u5C24\u5176\u662F\u90A3\u4E9B\u88AB\u50B3\u7D71\u91D1\u878D\u5FFD\u8996\u7684\u8FB2\u6751\u5730\u5340\u3001\u57CE\u9109\u8CA7\u56F0\u7FA4\u9AD4\u3001\u5FAE\u5C0F\u4F01\u696D\u3002\u8FD1\u5E74\u4F86\uFF0C\u96A8\u8457\u79D1\u6280\u8207\u74B0\u5883\u7684\u5FEB\u901F\u6F14\u8B8A\uFF0C\u300C\u91D1\u878D\u79D1\u6280\u300D\u6210\u70BA\u63A8\u5C55\u666E\u60E0\u91D1\u878D\u7684\u91CD\u8981\u529B\u91CF\u3002"@zh . "Financial Inclusion"@de . "Financial Inclusion (deutsch: Finanzielle Inklusion) bedeutet die Verf\u00FCgbarkeit von Dienstleistungen der formellen Finanzbranche f\u00FCr alle und deren Nutzung durch m\u00F6glichst viele. Als informell und problematisch gelten dabei Geldverleiher und die Nutzung von Bargeld im Zahlungsverkehr und zur Wertaufbewahrung. Es handelt sich bei Financial Inclusion \u2013 anders als bei der traditionellen Entwicklungshilfe \u2013 um einen von \u00F6ffentlichen Institutionen in enger Kooperation mit dem Privatsektor verfolgten Ansatz der Armutsbek\u00E4mpfung, der, um nachhaltig zu sein, Gewinne abwerfen soll. Nach Ansicht von F\u00F6rderern der Financial Inclusion, wie der Weltbank, ist diese zentral, um extreme Armut auszuradieren. In der \u201EMaya-Erkl\u00E4rung\u201C von 2011 verpflichteten sich 70 Mitgliedsnotenbanken der Alliance for Financial Inclusion aus Entwicklungs- und Schwellenl\u00E4ndern, die \u00FCberragende Bedeutung der Financial Inclusion f\u00FCr die Erm\u00E4chtigung und Verbesserung der Lebensumst\u00E4nde armer Menschen anzuerkennen."@de . . "18550033"^^ . . . . "1107471324"^^ . "\u666E\u60E0\u91D1\u878D"@zh . . . . "Financial Inclusion (deutsch: Finanzielle Inklusion) bedeutet die Verf\u00FCgbarkeit von Dienstleistungen der formellen Finanzbranche f\u00FCr alle und deren Nutzung durch m\u00F6glichst viele. Als informell und problematisch gelten dabei Geldverleiher und die Nutzung von Bargeld im Zahlungsverkehr und zur Wertaufbewahrung. Es handelt sich bei Financial Inclusion \u2013 anders als bei der traditionellen Entwicklungshilfe \u2013 um einen von \u00F6ffentlichen Institutionen in enger Kooperation mit dem Privatsektor verfolgten Ansatz der Armutsbek\u00E4mpfung, der, um nachhaltig zu sein, Gewinne abwerfen soll. Nach Ansicht von F\u00F6rderern der Financial Inclusion, wie der Weltbank, ist diese zentral, um extreme Armut auszuradieren. In der \u201EMaya-Erkl\u00E4rung\u201C von 2011 verpflichteten sich 70 Mitgliedsnotenbanken der Alliance for Finan"@de . . . . "Inclusi\u00F3n financiera"@es . . . "L\u2019inclusion financi\u00E8re (ou finance inclusive) d\u00E9signe l\u2019offre de services financiers et bancaires de base \u00E0 faible co\u00FBt sp\u00E9cifique pour des personnes pauvres et/ou en situation de difficult\u00E9 financi\u00E8re, et de ce fait exclus des services traditionnels. Les services bancaires sont aujourd\u2019hui indispensables \u00E0 une bonne int\u00E9gration sociale. L\u2019inclusion financi\u00E8re est donc le pendant de \u00AB l\u2019exclusion bancaire \u00BB directement li\u00E9e \u00E0 l\u2019exclusion sociale. Depuis les ann\u00E9es 1970 et les ann\u00E9es 1980, l'inclusion financi\u00E8re s'est d'abord appuy\u00E9e sur le microcr\u00E9dit moderne tel que promu par l'\u00E9conomiste Muhammad Yunus, puis sur des r\u00E8gles de gouvernance mutualiste et sur des r\u00E9glementations prudentielles cadrant les soci\u00E9t\u00E9s anonymes de microfinance, le financement participatif, puis sur la \u00AB banque \u00E0 distance \u00BB et la banque mobile ainsi que sur une l\u00E9gislation nouvelle concernant la monnaie \u00E9lectronique, les agents de d\u00E9tail non salari\u00E9, etc.L'inclusion financi\u00E8re devient l'un des objectifs importants de certaines banques de d\u00E9tails ."@fr . . . . "Inclusion financi\u00E8re"@fr . "\u0424\u0456\u043D\u0430\u043D\u0441\u043E\u0432\u0430 \u0456\u043D\u043A\u043B\u044E\u0437\u0456\u044F (\u0444\u0456\u043D\u0430\u043D\u0441\u043E\u0432\u0435 \u0432\u043A\u043B\u044E\u0447\u0435\u043D\u043D\u044F) \u2014 \u0446\u0435 \u0440\u0456\u0432\u043D\u0438\u0439 \u0434\u043E\u0441\u0442\u0443\u043F \u0442\u0430 \u0432\u0438\u043A\u043E\u0440\u0438\u0441\u0442\u0430\u043D\u043D\u044F \u0444\u0456\u043D\u0430\u043D\u0441\u043E\u0432\u0438\u0445 \u043F\u0440\u043E\u0434\u0443\u043A\u0442\u0456\u0432 \u0442\u0430 \u043F\u043E\u0441\u043B\u0443\u0433, \u044F\u043A\u0456: \n* \u043F\u0440\u0438\u0439\u043D\u044F\u0442\u043D\u0456 \u0437\u0430 \u0446\u0456\u043D\u043E\u044E; \n* \u0432\u0456\u0434\u043F\u043E\u0432\u0456\u0434\u0430\u044E\u0442\u044C \u043F\u043E\u0442\u0440\u0435\u0431\u0430\u043C \u0434\u043E\u043C\u043E\u0433\u043E\u0441\u043F\u043E\u0434\u0430\u0440\u0441\u0442\u0432 \u0442\u0430 \u043F\u0456\u0434\u043F\u0440\u0438\u0454\u043C\u0441\u0442\u0432; \n* \u0434\u043E\u0441\u0442\u0443\u043F\u043D\u0456 \u0434\u043B\u044F \u0432\u0441\u0456\u0445 \u0441\u0435\u0433\u043C\u0435\u043D\u0442\u0456\u0432 \u0441\u0443\u0441\u043F\u0456\u043B\u044C\u0441\u0442\u0432\u0430 \u043D\u0435\u0437\u0430\u043B\u0435\u0436\u043D\u043E \u0432\u0456\u0434 \u0434\u043E\u0445\u043E\u0434\u0443 \u0442\u0430 \u043C\u0456\u0441\u0446\u044F \u043F\u0440\u043E\u0436\u0438\u0432\u0430\u043D\u043D\u044F; \n* \u043D\u0430\u0434\u0430\u044E\u0442\u044C\u0441\u044F \u043F\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043D\u0438\u043A\u0430\u043C\u0438 \u0444\u0456\u043D\u0430\u043D\u0441\u043E\u0432\u043E\u0433\u043E \u0441\u0435\u043A\u0442\u043E\u0440\u0443 \u0432\u0456\u0434\u043F\u043E\u0432\u0456\u0434\u0430\u043B\u044C\u043D\u043E \u0442\u0430 \u0435\u043A\u043E\u043B\u043E\u0433\u0456\u0447\u043D\u043E \u0434\u043B\u044F \u0443\u0441\u0456\u0445 \u0443\u0447\u0430\u0441\u043D\u0438\u043A\u0456\u0432 \u043F\u0440\u043E\u0446\u0435\u0441\u0443."@uk . . . . . . . . . . . "La llamada inclusi\u00F3n financiera alude al \u201Cacceso a diversos productos financieros y servicios financieros de calidad\u201D, y se est\u00E1 popularizando en todo el planeta. Con ella se facilita el acceso a servicios o productos financieros seguros de diversos segmentos de la poblaci\u00F3n, en especial de los segmentos desbancarizados. Este acceso contribuir\u00E1 posteriormente al incremento de los ingresos de esos segmentos, dando pie a crecimiento econ\u00F3mico y mejora social, y por ende, logrando una mayor estabilidad financiera en vastos sectores de poblaci\u00F3n.\u200B\u200B\u200B"@es . . .