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All Journal GoodWill Journal of Economics, Management, and Accounting
Rakesh Kumar Sharma
Unknown Affiliation
Economics, Econometrics & Finance

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Microfinance and Poverty Alleviation in Burundi: Assessing the Role of Financial Inclusion in Sustainable Development Goals (SDGs) Jean-Baptiste Innocent Nyangoma, Jean-Baptiste Innocent Nyangoma; Amina Njeri Kamau; Rakesh Kumar Sharma
GoodWill Journal of Economics, Management, and Accounting Vol. 4 No. 2 (2024): October 2024
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/rjj3ng86

Abstract

This study investigates the role of financial inclusion in enhancing the effectiveness of microfinance programs in reducing poverty in Burundi, with a particular focus on their contribution to the Sustainable Development Goals (SDGs), especially SDG 1 (No Poverty) and SDG 8 (Decent Work and Economic Growth). Employing a mixed-method research design, the study collected data from 420 microfinance beneficiaries across four provinces through surveys and semi-structured interviews. Using multiple regression and structural equation modeling (SEM), the findings reveal that financial inclusion significantly mediates the relationship between microfinance participation and household welfare improvement. Access to financial services—such as savings, credit, and mobile banking—positively influences income generation, consumption stability, and business expansion among low-income households. However, the study also identifies barriers including high interest rates, limited outreach in rural areas, and low levels of financial literacy, which constrain the inclusiveness of microfinance initiatives. The results suggest that microfinance alone is insufficient to achieve sustainable poverty alleviation without complementary strategies such as financial literacy enhancement, gender-sensitive credit policies, and digital financial innovation. The study concludes that strengthening financial inclusion is essential for transforming microfinance into an effective instrument for inclusive and sustainable development 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 Amina Njeri Kamau Frantz Jacques Louis Jean-Baptiste Innocent Nyangoma Jean-Baptiste Innocent Nyangoma, Jean-Baptiste Innocent Nyangoma