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All Journal GoodWill Journal of Economics, Management, and Accounting
Frantz Jacques Louis
Unknown Affiliation
Economics, Econometrics & Finance

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Financial Literacy, Microfinance, and Women Empowerment: Pathways to Sustainable Development in Haiti and Burundi Jean-Baptiste Innocent Nyangoma, Jean-Baptiste Innocent Nyangoma; Marie-Lourdes Joseph; Frantz Jacques Louis; Amina Njeri Kamau
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/w506vf59

Abstract

This study examines the interrelationships between financial literacy, microfinance access, and women’s empowerment as pathways to sustainable development in two fragile-state contexts—Haiti and Burundi. Using a mixed-method comparative design, data were collected from 768 women micro-entrepreneurs through structured surveys and ten qualitative interviews with microfinance practitioners. Quantitative analysis employing multiple regression and PLS-SEM revealed that both financial literacy (β = 0.421, p < 0.001) and microfinance services (β = 0.387, p < 0.001) significantly and positively influence women’s empowerment. Moreover, empowerment mediates the relationship between financial inclusion variables and sustainable development outcomes (β = 0.463, p < 0.001). Comparative findings indicate that literacy-driven empowerment is more prominent in Haiti, where digital finance and remittances dominate, while access-driven empowerment prevails in Burundi’s agrarian context. The integrated effects suggest that literacy amplifies the benefits of microfinance by enhancing women’s financial decision-making, confidence, and control over resources. The study contributes to empowerment theory by empirically validating the synergistic interaction between knowledge and financial access and offers policy insights emphasizing gender-sensitive financial education, digital microfinance expansion, and regulatory inclusion. These results highlight that fostering both financial capability and access is essential for advancing Sustainable Development Goals (SDGs 5, 8, and 10) in fragile economies, where empowering women serves as both a developmental strategy and a catalyst for inclusive and resilient growth.
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 Jean-Baptiste Innocent Nyangoma Jean-Baptiste Innocent Nyangoma, Jean-Baptiste Innocent Nyangoma Marie-Lourdes Joseph Rakesh Kumar Sharma