Developing and Validating Constructs: A Pragmatic Measurement of Financial Inclusion as a Tool for Sustainable Growth
, Jaheer Mukthar K.P. 1, Juan Villanueva Calderón 2, Felix Julca Guerrero 3, Jorge Castillo Picon 4 and Guillermo Pelaez Diaz 5
Round 1
Reviewer 1 Report
Comments for author File: 
Comments.pdf
Author Response
Thank you for taking time for reviewing our Article and suggesting valuable feedback
With respect to your valuable feedback on language minor correct, with help of native English speaker , we have carried out Language Copy editing
Response to Point 1-Thank you for your good feedback
Response to Point 2-Thank you for your good feedback
Response to Point 3-Thank you for your good feedback
Response to point 4-Based on the feedback, we have improved our discussion and included a segment scope for future research as well
Response to the Point 5-Thank you for your good feedback
Response t the Point 6- as per your valuable suggestion, we have added few relevant Literatures and omitted some irrelevant Literatures from the article
Response t the Point 7-Thank you for your good feedback
Reviewer 2 Report
1. Measures of financial inclusion are well established in the literature and their dimensions accepted, some of which are even wider than what the authors are suggesting. For example, Sakyi-Nyarko et al. (2022), Ahmad et al. (2020), Kim et al (2018). This means that the authors have not contributed to the literature, even incrementally.
2. The empirical bit of the paper requires improvement as the methodology appears to be inadequate, especially in the absence of robustness checks. Issues such as endogeneity and reverse causality should be addressed.
3. The presentation must also be improved, especially the manner in which the results are reported.
References:
, , & (2022). The role of financial inclusion in improving household well-being. Journal of International Development, 1– 27. https://doi.org/10.1002/jid.3661
, , & (2022). Investigating the well-being implications of mobile money access and usage from a multidimensional perspective. Review of Development Economics, 26, 985– 1009. https://doi.org/10.1111/rode.12848
Author Response
Dear Sir , Thank you for taking your valuable time to review our article and giving us a detailed feedback. we have tried to incorporate the suggestions pointed outed by you in our article
with respect to the language correction , we have checked with Native English speaker and carried out changes . Thank you for the feedback sir
Response to the point 1-As per your suggestion , we have included three articles suggested by you and it helped us to have a wider perspective regarding the topic
Response to Point 2-with respect to the Methdology we checked with statisticians regarding the viability and appropriateness of methedology and incorporated minor changes
Response to Point 3-we have carried out the changes in the presentation of the paper and included the segment Scope for further research and also as per the suggestion , we have reduced the Abstract length as well
Once again thanks alot sir for taking your time and providing us constructive suggestions
Reviewer 3 Report
I would suggest some changes to authors before accepting the manuscript.
1) the abstract is too long, I would suggest shorten it substantially and go on the point immediately.
2) Language revisions can help in improving the readability of the manuscript, especially long phrases.
3) Literature review can be broaden a bit.
4) Ideas for future studies and research can be summarized in an appropriate conclusion section. Actually they are not clearly organized and presented.
5) in general, the authors should better focus on the international readership of the journal moving from a regional/local perspective toward a truly global application.
Author Response
Dear sir , Thank you for taking your valuable time for reviewing our article and providing constructive suggestion
Response to the point 1-As per your valuable suggestion , we have reduced the abstract length and its clearly specific to the article
Response to the Point 2-with respect to the language correction , we have taken the help of english native speaker and made necessary changes
Response to the Point 3 -Thank you for the feedback, as per your valuable suggestion, we have a reviewed three recent articles published in 2022 which iss closely related to the topic
Response to the Point 4 -As per your suggestion, we have created separate subheading for scope for future research after conclusion. Thank you for the constructive feedback
Response to the Point 5- Thank you for the feed back, Though the study is based on Regional / State Scenario. we have made some changes in the discussion part keep in view of International Readers.
Thanks alot sir for Constructive feedback
Round 2
Reviewer 2 Report
I am afraid, the situation has not changed. My earlier comments still stand.
Author Response
Dear sir
Thank you for the valuable feedback
As suggested by you, I have gone for copy editing from a professional native speaker one more time . Kindly go through the article .A lot of changes have been carried out in the article
Reviewer 3 Report
Good revision overall, thank you
Author Response
Dear Sir/Mam
Thank you for your Valuable Positive Feedback. As suggested by you, I have carried out language correction one more time with the help English native speaker. Kindly go through it
