<![CDATA[This conceptual and integrative review develops a framework for community-based financial innovation in micro, small, and medium enterprises. It addresses the problem that financial innovation may expand formal access while failing to improve resilience when product design, repayment structures, digital interfaces, and support mechanisms do not fit community enterprise conditions. Drawing on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, and resilience, the paper explains how trusted local intermediation, needs-based product design, responsible digital access, repayment-fit assessment, community feedback learning can be organized as mutually reinforcing routines. The proposed pathway moves from problem diagnosis and capability mapping to bounded experimentation, evidence review, resource reconfiguration, and learning retention. No primary survey, interview, experimental, administrative, or statistical data are claimed. The framework links these mechanisms to appropriate access, responsible use, liquidity stability, community trust, enterprise resilience and identifies managerial, institutional, and research implications suitable for resource-constrained enterprises.]]>
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