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All Journal SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS Asian Management and Business Review Journal of Financial and Behavioural Accounting
Israel, Baraka
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Uptake and Utilisation of Financial Inclusion Services Among Rural Youth Entrepreneurs: Progress or Regress? Lelo, John Meku; Israel, Baraka
Journal of Financial and Behavioural Accounting Vol. 4 No. 2 (2024):
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/jfba.v4i2.11195.2024

Abstract

This research provides comprehensive insights into how the uptake and utilization of formal and informal financial services are integrated into the business operations of rural youth entrepreneurs. A survey of 648 rural youth entrepreneurs across seven wards in the Iramba District of Tanzania was conducted. The findings reveal that while mobile money has emerged as the most widely adopted financial service, the utilization of formal financial services, such as bank accounts, insurance, and commercial bank services, remains low. Informal financial practices, including family support, informal lending, and home-based saving, continue to dominate the financial practices of rural youth entrepreneurs. The findings reveal a considerable room for improving the uptake and utilisation of formal financial services. Despite some progress, bridging the gap between formal and informal financial practices remains a critical challenge. The study concludes by offering policy recommendations to local governments and financial institutions, urging targeted interventions such as expanding internet connectivity, establishing community-based financial hubs, and implementing financial literacy programs to enhance access to formal financial services in rural areas. These efforts can be complemented by offering flexible financial products, such as micro-loans, low-fee accounts, low or no-cost transactions, and minimal documentation requirements, along with user-friendly digital banking platforms.
From Exclusion to Empowerment: Financial Inclusion as a Catalyst for Socio-economic Development Among Rural Youth Entrepreneurs Israel, Baraka
SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS SIJDEB, Vol. 8, No. 4, December 2024
Publisher : Faculty of Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/sijdeb.v8i4.459-478

Abstract

This study examines how financial inclusion (FNI) influences the socio-economic status and empowerment of rural youth entrepreneurs. Data for the study was collected using a cross-sectional questionnaire survey from 618 rural youth entrepreneurs across seven wards in the Iramba District of Tanzania. Subsequently, structural equation modelling (SEM) was employed to assess the impact of FNI on the socio-economic outcomes of rural youth entrepreneurs. The study findings reveal a significant positive effect of FNI on rural youth economic empowerment, social capital and networking, access to healthcare and social services, and overall standard of living. The results provide actionable insights for policymakers, financial institutions, and development agencies aiming to foster entrepreneurship in rural areas. It highlights the importance of creating youth-tailored financial products, improving digital infrastructure, and enhancing financial literacy to boost the socio-economic impact of FNI in rural areas.
The interplay of blockchain technology, user-centric orientation, and cybersecurity measures in supply chains of manufacturing enterprises Israel, Baraka
Asian Management and Business Review Volume 5 Issue 2, 2025
Publisher : Master of Management, Department of Management, Faculty of Business and Economics Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AMBR.vol5.iss2.art4

Abstract

As supply chains become increasingly digitalized, cybersecurity (CBS) threats escalate, necessitating the adoption of innovative technologies such as blockchain technology (BLT) to enhance security. The purpose of this study is to examine the effect of blockchain technology (BLT) on cybersecurity (CBS) measures within the supply chains of manufacturing enterprises, considering the moderating role of user-centric orientation (UCO). The study is grounded in the Diffusion of Innovation (DOI) theory and adopts a cross-sectional quantitative research design, using a questionnaire survey to collect data from 206 supply chain partners of manufacturing enterprises in Dar es Salaam, Tanzania. Hayes’ PROCESS macro is employed to test model hypotheses. The study results exhibit a significant positive direct effect of both BLT and UCO on CBS. Furthermore, UCO positively moderates the relationship between BLT and CBS. For manufacturing enterprises and supply chain partners seeking to implement BLT to enhance CBS, the study highlights the importance of incorporating UCO into the design and implementation of security protocols, ensuring that users are educated and actively involved in CBS practices. This research contributes to the growing body of literature on BLT and CBS by exploring the under-researched moderating role of UCO. It extends the application of DOI theory to the intersection of BLT and CBS in manufacturing supply chains, offering a novel perspective on how user engagement can optimise the security benefits of emerging technologies.
Co-Authors Lelo, John Meku