FNGOs and financial inclusion: investigating the impact of microcredit on employment growth in Ghana

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dc.cclicenceCC-BY-NCen
dc.contributor.authorWang, Yong
dc.contributor.authorMahmood, Samia
dc.contributor.authorAtiase, Victor
dc.date.acceptance2019-02-01
dc.date.accessioned2020-03-10T15:18:24Z
dc.date.available2020-03-10T15:18:24Z
dc.date.issued2019-04-08
dc.descriptionThe file attached to this record is the author's final peer reviewed version. The Publisher's final version can be found by following the DOI link.en
dc.description.abstractFinancial non-governmental organizations (FNGOs) are regulated microfinance institutions that operate with a social welfare logic in the delivery of microcredit to the financially excluded in Ghana. The microcredit is aimed at supporting the financially excluded individuals to create sustainable micro and small enterprises (MSEs) for the generation of both skilled and unskilled employment. From the institutional theory perspective, this study aims at investigating the impact of microcredit provided by FNGOs on employment growth among MSEs in Ghana. The major contribution of this study is the fact that, there is a little study on FNGOs and their impact on employment growth in the Ghanaian context. Therefore, this is one of the few studies that highlights the role of FNGOs in promoting financial inclusion through the provision of microcredit for employment generation purposes. Through a multiple regression analysis, the study uses primary data collected from 506 MSEs in Ghana. The results show that microcredit which is flexible in repayment mode, accessible and adequate has a positive impact on employment generation among MSEs in Ghana. However, the current cost of microcredit in Ghana has a negative impact on employment growth among MSEs.en
dc.exception.reasonavailable on Coventry Uni repositoryen
dc.exception.ref2021codes254aen
dc.funderNo external funderen
dc.identifier.citationAtiase, V.Y., Wang, Y., Mahmood, S. (2019) FNGOs and financial inclusion: investigating the impact of microcredit on employment growth in Ghana, The International Journal of Entrepreneurship and Innovation, 20(2), pp.90–106.en
dc.identifier.doihttps://doi.org/10.1177/1465750319832478
dc.identifier.issn1465-7503
dc.identifier.urihttps://pureportal.coventry.ac.uk/en/publications/fngos-and-financial-inclusion-investigating-the-impact-of-microcr
dc.identifier.urihttps://dora.dmu.ac.uk/handle/2086/19348
dc.language.isoenen
dc.peerreviewedYesen
dc.publisherSageen
dc.researchinstituteFinance and Banking Research Group (FiBRe)en
dc.subjectEmployment Growthen
dc.subjectFNGOsen
dc.subjectGhanaen
dc.subjectMicro and Small Enterprisesen
dc.subjectMicrocrediten
dc.subjectFinancial Inclusivenessen
dc.titleFNGOs and financial inclusion: investigating the impact of microcredit on employment growth in Ghanaen
dc.typeArticleen

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