"It is also important to note that the low levels of knowledge are not due to limits to financial inclusion in the study setting. As noted before, in our sample, 89% of respondents’ households had
bank accounts"- I am not sure how this number reflects financial inclusion, given that there was an effort in 2014 for mass opening of accounts yet the usage of the accounts by the account-holders are generally low. Did you ask questions on how long have you had the account or how frequently do you visit the bank?
shugamoe
commented
6 years ago 
"It is also important to note that the low levels of knowledge are not due to limits to financial inclusion in the study setting. As noted before, in our sample, 89% of respondents’ households had bank accounts"- I am not sure how this number reflects financial inclusion, given that there was an effort in 2014 for mass opening of accounts yet the usage of the accounts by the account-holders are generally low. Did you ask questions on how long have you had the account or how frequently do you visit the bank?