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<p>This study investigates how the mobilization of women-run Village Savings Groups (VSGs) in rural areas contributes to financial inclusion outcomes. It focuses on understanding the dynamics of savings group participation and how such grassroots financial initiatives enhance access to and usage of formal and informal financial services among women in underserved communities. Despite the growing recognition of VSGs as a key mechanism for improving financial inclusion, particularly among marginalized populations, there remains a gap in understanding how mobile money usage influences the effectiveness of VSGs in achieving financial inclusion objectives. In order to close this gap, this study looks at how mobile money usage interacts with VSG mobilization to impact financial inclusion outcomes among women in rural communities. A quantitative methodology is employed, drawing on survey data collected from women participants in VSGs across rural areas. The study adopts a cross-sectional survey design and employs Partial Least Squares Structural Equation Modeling (PLS-SEM) to test the proposed hypotheses and examine both direct and moderating effects. The results of this investigation lead to a deeper comprehension of the potential synergies between traditional VSG models and digital financial innovations in improving financial inclusion among women in rural areas. The analytical findings reveal significant relationships among the key constructs, providing empirical evidence on how mobile money usage strengthens the impact of VSG mobilization on financial inclusion outcomes. By elucidating the moderating role of mobile money usage, the study informs evidence-based strategies for leveraging digital financial technologies to enhance the effectiveness and reach of VSGs in promoting the economic empowerment of women and financial inclusion at the grassroots level. This study contributes to existing literature by integrating digital financial behavior into VSG–financial inclusion research and offering a model that explains how technology-enhanced mobilization can accelerate inclusion outcomes in rural contexts.</p>

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Does mobile money usage moderate the saving group mobilization and financial inclusion relationship? a case of women run village saving groups

  • 期刊论文

  • 发表日期：

    2026年5月27日

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  • Eva Mpaata,
  • Mahadih Kyambade,
  • Josephine Naigwe,
  • Dennis Oula

摘要

This study investigates how the mobilization of women-run Village Savings Groups (VSGs) in rural areas contributes to financial inclusion outcomes. It focuses on understanding the dynamics of savings group participation and how such grassroots financial initiatives enhance access to and usage of formal and informal financial services among women in underserved communities. Despite the growing recognition of VSGs as a key mechanism for improving financial inclusion, particularly among marginalized populations, there remains a gap in understanding how mobile money usage influences the effectiveness of VSGs in achieving financial inclusion objectives. In order to close this gap, this study looks at how mobile money usage interacts with VSG mobilization to impact financial inclusion outcomes among women in rural communities. A quantitative methodology is employed, drawing on survey data collected from women participants in VSGs across rural areas. The study adopts a cross-sectional survey design and employs Partial Least Squares Structural Equation Modeling (PLS-SEM) to test the proposed hypotheses and examine both direct and moderating effects. The results of this investigation lead to a deeper comprehension of the potential synergies between traditional VSG models and digital financial innovations in improving financial inclusion among women in rural areas. The analytical findings reveal significant relationships among the key constructs, providing empirical evidence on how mobile money usage strengthens the impact of VSG mobilization on financial inclusion outcomes. By elucidating the moderating role of mobile money usage, the study informs evidence-based strategies for leveraging digital financial technologies to enhance the effectiveness and reach of VSGs in promoting the economic empowerment of women and financial inclusion at the grassroots level. This study contributes to existing literature by integrating digital financial behavior into VSG–financial inclusion research and offering a model that explains how technology-enhanced mobilization can accelerate inclusion outcomes in rural contexts.