Entrepreneurship and financial inclusion through the lens of instrumental freedoms
基于森的能力方法，对拉丁美洲和加勒比地区19个国家进行模糊集定性比较分析，发现金融包容需要多种工具性自由组合，而非单一因素，且政治自由是重要外围条件。
This article investigates the interrelated nature of instrumental freedoms and how they combine to engender financial inclusion among low-income entrepreneurs. Drawing from Sen’s capabilities approach, we emphasize a need for understanding the freedoms associated with institutional arrangements and the complex causal processes that lead to financial inclusion among micro-entrepreneurs. We perform a fuzzy set qualitative comparative analysis of 19 countries in Latin America and the Caribbean. The findings indicate four causal combinations for financial inclusion. Our findings indicate that no single instrumental freedom is necessary for financial inclusion; it does not necessarily depend on the provision of microfinance and that political freedom is an important peripheral condition for inclusion. This allows us to question some of the assumptions about how microfinance operates amid a set of complex institutional instrumental freedoms.