摘要： The aim of this study is to find out the level in financial inclusion between 41 African countries. To reach to this goal for knowing which countries have the high level or the low level in financial inclusion according to some variables such as Adults with an outstanding mortgage, Using a Formal Account, and Account From a Formal Financial Institutions, a discriminant model analysis was performed. These variables have been underlined by the literature review to be significant in inclusive financing. The data set was the secondary data taken from the Global Findex Database related to the report that Kunt A. and klapper L. wrote in 2012 titled “Measuring Financial Inclusion”. The analysis of the results reveals that, out of the 41 total countries 27 have a low level in financial inclusion whereas 14 have a high level. Shortly, this empirical results show that most countries with a low level are low-income countries and those whose level is high, largely remain of middle-income countries. Moreover, according to the high classification accurate rate (92.7%) through the discriminant model, it indicates that this developed model is appropriate and efficient to measure the financial inclusion level in the African countries.
