International Journal of Economics, Commerce and Management United Kingdom ISSN 2348 0386 Vol. X, Issue 7, July 2022 Licensed under Creative Common Page 128 http://ijecm.co.uk/ FINANCIAL INCLUSION AND HUMAN DEVELOPMENT IN AFRICA, A MODERATING ROLE OF INSTITUTIONAL QUALITY Nicholas Bamegne Nambie Valley View University, Oyibi, Accra-Ghana nicnam27@gmail.com Belinda Ameh Obobi Ghana Christian University College, Amrahia, Accra-Ghana obobibelinda2002@gmail.com Abstract The major goal of this research is to look into the link between financial inclusion and human development in Africa, as well as the impact of institutional quality in this relationship. Financial inclusion, or access to and use of formal financial institutions and services by poor households, small holder farmers, small businesses, and low-income earners who are either under-banked or unbanked, has become a hot topic in development policy circles throughout the world. Low human development and inadequate institutional structures are the primary causes of financial exclusion in Africa. The study used secondary data from the World Development Indicators (WDI), World Governance Indicators (WGI), and Human Development Resources (HDR), which covered 42 African nations from 2012 to 2021, and use the Generalized Methods of Moments (GMM) to examine the relationship between financial inclusion and human development. The study revealed that, there is a strong significant relationship between financial inclusion, human development and institutional quality in Africa. African governments are encouraged to focus on providing prudent financial literacy education, and building resilient governance institutions to enhance effective financial inclusion. Keywords: Financial Inclusion, exclusion, Human Development, Institutional Quality