Abstract
The number of financially included adults has increased over the years due to the efforts of various stakeholders. Nevertheless, millions of people, especially women in emerging countries, remain financially excluded due to several difficulties. Academically, the gender dimension of financial inclusion has been underexplored relative to general research on financial inclusion. Thus, to address this gap, this research draws on the theory of intersectionality as a lens to understand how gender intersects with culture, gender norms, education, and social class, to create inequality in financial inclusion for women. Also, we adopt Bourdieu's capital theory – which examines capital beyond the economist's view by dividing it into economic, social and cultural capital – to capture the complete impact of financial exclusion on women. The study offers important theoretical and practical contributions towards addressing the issue of inequality in women's access to finance.