Financial inclusion and its impact on performance of MSMEs with efficiency and financial flexibility as mediation: Empirical evidence from Malang City

This paper shows the empirical evidence about the implementation of local culture in credit management in Rural Banks. This paper is the result of a survey in three districts in West Sumatera Province which were chosen purposively. Sampling areas include Agam district, Lima Puluh Kota districts and Tanah Datar districts. The reason for choosing these three districts as a research area is because of the similarity of socio-demographic conditions and most of the Rural Banks are in this region. There were 38 Rural Banks taken as the unit of analysis in this research. This study reveals that the breadth of outreach varies according to the type of local cultured applied in credit management. Some of the policies include 1) Local cultured-based products and local culture-based services, 2) Involvement of customary or religious leaders, 3) Non-Traditional Collateral, 4) Prioritizing local people as marketing personnel and 5) Credit Assistance Services. Furthermore, this study recommends several policies which have proven to be able to expand the outreach and creating financial inclusion in rural areas, its covering involvement of customary / religious figures as mediator, prioritizing local people as personnel marketing and credit assistance services.

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Financial inclusion and economic status of the states of India: An empirical evidence

Economic Notes ◽

10.1111/ecno.12182 ◽

2020 ◽

Author(s):

Shantanu Ghosh ◽

Tarak Nath Sahu

Keyword(s):

Empirical Evidence ◽

Economic Status ◽

Financial Inclusion

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Institutional quality and the financial inclusion-poverty alleviation link: Empirical evidence across countries

Borsa Istanbul Review ◽

10.1016/j.bir.2021.03.006 ◽

2021 ◽

Author(s):

Elisa Aracil ◽

Gonzalo Gómez-Bengoechea ◽

Olga Moreno-de-Tejada

Keyword(s):

Empirical Evidence ◽

Poverty Alleviation ◽

Institutional Quality ◽

Financial Inclusion

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Adoption and Use of Mobile Money Services in Nigeria

Encyclopedia of Information Science and Technology, Fourth Edition ◽

10.4018/978-1-5225-2255-3.ch237 ◽

2018 ◽

pp. 2724-2738 ◽

Cited By ~ 1

Author(s):

Olayinka David-West ◽

Immanuel Ovemeso Umukoro ◽

Omotayo Muritala

Keyword(s):

Central Bank ◽

Technology Acceptance ◽

Empirical Evidence ◽

Developing Economies ◽

Adult Population ◽

Financial Inclusion ◽

Policy Makers ◽

Mobile Money ◽

Financial Exclusion ◽

Target Set

Nigeria, like many developing economies has been fighting financial exclusion through different mechanisms and with financial inclusion target set at 80% by 2020 by its National Financial Inclusion Strategy, mobile money has been identified as a platform for achieving this goal. Consequently, twenty-one mobile money operators were licensed by the apex bank (Central Bank of Nigeria) to provide mobile money services to millions of Nigerians as a means of bridging the gap between the financially served, the under-served as well as the un-served. Using empirical evidence from two nationwide mobile money adoption and financial inclusion surveys, and a synthesis of technology acceptance and use models, this chapter explores the causes of mobile money adoption and extent of use across the adult population. It further provides recommendations to policy makers, mobile money operators and agents as well as institutions that support the enhancement of financial inclusion towards optimizing the benefits of mobile money and realization of the 80% financial inclusion target.

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Adoption and Use of Mobile Money Services in Nigeria

Advances in Marketing, Customer Relationship Management, and E-Services - Advanced Methodologies and Technologies in Digital Marketing and Entrepreneurship ◽

10.4018/978-1-5225-7766-9.ch014 ◽

2019 ◽

pp. 175-192

Author(s):

Olayinka David-West ◽

Immanuel Ovemeso Umukoro ◽

Omotayo Muritala

Keyword(s):

Central Bank ◽

Technology Acceptance ◽

Empirical Evidence ◽

Developing Economies ◽

Adult Population ◽

Financial Inclusion ◽

Mobile Money ◽

Financial Exclusion ◽

Target Set

Nigeria, like many developing economies, has been fighting financial exclusion through different mechanisms and with a financial inclusion target set at 80% by 2020 by its National Financial Inclusion Strategy, and mobile money has been identified as a platform for achieving this goal. Consequently, 21 mobile money operators were licensed by the apex bank (Central Bank of Nigeria) to provide mobile money services to millions of Nigerians as a means of bridging the gap between the financially served, the under-served, as well as the un-served. Using empirical evidence from two nationwide mobile money adoption and financial inclusion surveys, and a synthesis of technology acceptance and use models, this chapter explores the causes of mobile money adoption and extent of use across the adult population. It further provides recommendations to policymakers, mobile money operators, and agents, as well as institutions that support the enhancement of financial inclusion towards optimizing the benefits of mobile money and realization of the 80% financial inclusion target.

Download Full-text