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All Journal GoodWill Journal of Economics, Management, and Accounting
Jean-Baptiste Innocent Nyangoma
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Economics, Econometrics & Finance

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The Role of Financial Inclusion in Promoting Small and Medium Enterprise Development: A Case Study of Mwaro Province, Burundi Jean-Baptiste Innocent Nyangoma; Aline Mukantabana; Dieudonné Habonimana
GoodWill Journal of Economics, Management, and Accounting Vol. 4 No. 1 (2024): April 2024
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/hwnaj004

Abstract

This study investigates the role of financial inclusion in promoting the development of Small and Medium Enterprises (SMEs) in Mwaro Province, Burundi. SMEs are recognized as vital contributors to employment creation, innovation, and economic growth, yet their growth potential is often constrained by limited access to formal financial services. Using a mixed-methods approach combining survey data from 150 SME owners and interviews with financial institutions, this research examines how access to credit, savings facilities, and digital financial platforms influences business performance and sustainability. The findings reveal that financial inclusion significantly enhances SME growth through improved access to working capital, effective cash flow management, and increased investment capacity. Additionally, financial literacy and the use of mobile banking technologies serve as mediating factors that strengthen the relationship between financial access and enterprise development. However, persistent challenges such as high lending rates, insufficient collateral, and low awareness of financial products continue to limit inclusion in rural areas. The study concludes that expanding digital financial infrastructure and implementing financial education programs are crucial strategies for fostering inclusive economic growth. Policy recommendations emphasize collaboration between the government, financial institutions, and development partners to create an enabling environment for SME financing in Burundi.
Digital Transformation and Inclusive Growth in Developing Economies: Lessons from Burundi and Haiti Jean-Baptiste Innocent Nyangoma; Frantz Jacques Louis; Rakesh Kumar Sharma
GoodWill Journal of Economics, Management, and Accounting Vol. 5 No. 2 (2025): October 2025
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/0peq6v52

Abstract

This study explores the nexus between digital transformation and inclusive growth in developing economies, with a specific focus on Burundi and Haiti. The research aims to analyze how digital innovation fosters economic inclusion, institutional strengthening, and sustainable development in fragile contexts. Employing a mixed-method approach that integrates secondary data analysis, policy document review, and semi-structured expert interviews, the study investigates the socio-economic implications of digitalization in key sectors, including finance, education, and governance. The findings reveal that digital transformation significantly contributes to inclusive economic growth by promoting access to financial services, supporting entrepreneurship, and enhancing public service delivery. However, these benefits remain unevenly distributed due to challenges such as inadequate ICT infrastructure, governance weaknesses, and low levels of digital literacy. In Burundi, connectivity gaps limit rural participation in the digital economy, while in Haiti, political instability and institutional fragmentation hinder the long-term sustainability of digital initiatives. The study concludes that digital transformation can serve as a catalyst for inclusive development when accompanied by strong institutional frameworks, targeted investments in digital infrastructure, and comprehensive capacity-building programs. This research enriches the academic discourse on digital inclusion in low-income economies and provides actionable insights for policymakers seeking to integrate digital strategies into equitable growth agendas.
Co-Authors Aline Mukantabana Dieudonné Habonimana Frantz Jacques Louis Rakesh Kumar Sharma