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All Journal Journal of Enterprise and Development (JED) Journal of Economics and Business Letters
Saidyjeng, Lamin
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Adoption of mobile money and financial inclusion in the Gambia: Evidence from small businesses and households Saidyjeng, Lamin; Gitteh, Alasana; Fatajo, Modou Lamin; Nasso, Musa
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.
Green Management Practices and Competitive Advantage among Small and Medium Enterprises in The Gambia: A Qualitative Study Saidyjeng, Lamin; Ahmed, Issa G.; Jibril, Abubakar Muhammad
Journal of Enterprise and Development (JED) Vol. 8 No. 2 (2026)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v8i2.14992

Abstract

Purpose: This paper aims to examine the green management practices adopted by small and medium enterprises (SMEs) in The Gambia and to analyze how these practices contribute to competitive advantage within a resource-constrained economic context.Method: The study employs a qualitative documentary approach based on the analysis of secondary data drawn from government policies, reports issued by international agencies, and SME-related publications produced between 2018 and 2025. The data were analyzed using thematic analysis, guided by the Resource-Based View and Institutional Theory.Result: The findings reveal several common, although largely informal, green management practices among SMEs, primarily focused on energy conservation, basic waste management, and resource protection. These practices are predominantly cost-driven and reactive in nature. Nevertheless, they generate competitive advantages by lowering operational costs, strengthening organizational legitimacy, and enhancing business resilience. Their wider adoption, however, is constrained by limited financial capacity, weak regulatory enforcement, and insufficient strategic managerial awareness.Practical Implications for Economic Growth and Development: The findings indicate that integrating sustainability into SME capacity-building programs is essential for strengthening long-term competitiveness and promoting employment generation. Policymakers and development partners should therefore reposition green practices as strategic investments in resilience by supporting them through financial incentives, practical implementation tools, and targeted training initiatives.Originality/Value: This study provides one of the earliest firm-level qualitative examinations of the strategic adoption of green management practices by SMEs in The Gambia. In doing so, it addresses an important gap in the sustainability literature concerning small African economies.
Co-Authors Ahmed, Issa G. Fatajo, Modou Lamin Gitteh, Alasana Jibril, Abubakar Muhammad Nasso, Musa