Sustainable Development Goal 4 highlights universal education, yet in low-income economies, educational achievement levels, such as children's proficiency, often fall short of satisfactory standards. This study explores how family traits link parental financial inclusion to children's proficiency, using recent Ghana Living Standard Survey data 2016/2017 (round 7). Non-linear probit regression was employed, with standard errors corrected for both within cluster dependence and heteroscedasticity, yielding the following findings. This study highlights the connection between parents' financial inclusion and their children's proficiency levels, with outcomes varying based on family dynamics. Having bank accounts positively affects children's literacy, especially in households with educated mothers and male heads. Gender differences are notable in insurance and loan uptake, possibly reflecting different risk attitudes. The study recommends tailoring financial inclusion policies to accommodate family-specific traits.
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