ABDULMUMIN, Biliqees AyoolaADEYEMI, Kenneth S2021-09-172021-09-1720182636-6460https://uilspace.unilorin.edu.ng/handle/20.500.12484/6375The study attempts to measure the extent of financial inclusion in the African region using the principal component analysis. This paper further identifies the underlying institutional factors that determine financial inclusion in the region using system General Method of Moment (GMM) estimator. The study revealed the extent of financial inclusion in Africa and identified legal rights and financial freedom as the institutional factors that affect the level of financial inclusion in Africa. It is also noteworthy lo state that GDP per capita is an important determinant of financial inclusion in the region. The study concludes that financial inclusion in Africa is influenced by institutional factors. Consequently, the study recommends that in other to achieve improvement in financial inclusion in the region, attention should also be paid to the institutional factors rather than focusing wholly on socio-economic factors.enPlanning flexibilityperformancesmall and medium enterprisesArticle