Article Per Year (5 Year)
p-Index From 2021 - 2026
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This Author published in this journals
All Journal Journal of Economics and Business Letters Priviet Social Sciences Journal
Modou Lamin Fatajo
Faculty of Business and Public Administration, University of The Gambia
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Adoption of mobile money and financial inclusion in the Gambia: Evidence from small businesses and households Lamin Saidyjeng; Alasana Gitteh; Modou Lamin Fatajo; Musa Nasso
Journal of Economics and Business Letters Vol. 6 No. 2 (2026): April 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/jebl.v6i2.1676

Abstract

This study examines the structural mechanisms through which mobile money adoption translates into financial inclusion outcomes in The Gambia. Moving beyond binary measures of access, this study investigates how and for whom mobile money generates tangible economic benefits. A sequential explanatory mixed methods design was employed, comprising surveys of 384 households and 152 small businesses, followed by semi-structured interviews. Structural equation modelling (SEM) was used to test a conceptual model in which perceived utility, social influence, and facilitating conditions predict adoption intensity, which then mediates financial resilience and operational efficiency. The results show that perceived utility and strong agent networks are the strongest predictors of deep adoption. Adoption intensity strongly mediates gains in household financial resilience and small-business operational efficiency. A critical finding is a usage plateau: despite mobile money’s effectiveness as a payment bridge over the digital divide, the connection to formal credit remains weak, constraining deeper financial inclusion in the long run. Policy should therefore shift from promoting access to enabling qualitative usage for example, by using transaction data for credit scoring and ensuring equitable service quality so that mobile money becomes a platform for comprehensive financial empowerment.
The perceived effects of the Gambia’s 2022 senior secondary schools curriculum reform in Brikama Modou Lamin Fatajo
Priviet Social Sciences Journal Vol. 6 No. 10 (2026): October 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v6i10.2244

Abstract

This study examined the effects of The Gambia’s 2022 senior secondary school curriculum reform on teaching and learning in public senior secondary schools in Brikama. A descriptive cross-sectional mixed-methods design was used, involving 370 respondents from five schools, including 119 teachers and administrators and 251 students. Data were collected through questionnaires and interviews and analysed using descriptive statistics and thematic analysis. Findings showed broad acceptance of the curriculum, with 96% of students viewing the reform as a positive step towards their educational needs, while most teachers and students preferred its subjects and study fields to the previous curriculum. The respondents perceived the curriculum as promoting collaboration, wider subject choices, and improved preparation for further education and employment. However, implementation challenges included inadequate orientation, limited teacher familiarity, shortages of textbooks and teaching materials, insufficient training, weak technology integration, teacher shortages, workload, and difficulties covering syllabi. Only 34% rated implementation as effective, 55% considered it moderate, while 11% rate it as ineffective. The study concludes that the curriculum has significant potential but requires stronger implementation support, continuous teacher training, adequate resources, improved technology, realistic time allocations, and regular monitoring and review.
Co-Authors Alasana Gitteh Lamin Saidyjeng Musa Nasso