Effects of financial institutions' management effectiveness on financial inclusion in Mbeya city and Mbeya rural district

Kaula Stephen; Gwahula Raphael

doi:10.5935/jetia.v9i42.872

Autores/as

Kaula Stephen Candidato a doctorado, Universidad Abierta de Tanzania, P.O.Box 23409 Dar es Salaam, Tanzania http://orcid.org/0009-0006-3047-0996 (no autenticado)
Gwahula Raphael Profesor Titular de Contabilidad y Finanzas, Universidad Abierta de Tanzania, P.O.Box 23409 Dar es Salaam, Tanzania http://orcid.org/0000-0001-6153-0433 (no autenticado)

DOI:

https://doi.org/10.5935/jetia.v9i42.872

Resumen

Este estudio evaluó el impacto de la eficacia de la gestión de las instituciones financieras (IF) en la inclusión financiera. Esta investigación surgió porque sólo una pequeña parte, aproximadamente el 22%, de la población de Tanzania utilizaba servicios bancarios. Para descubrir las razones detrás de la exclusión del 78% restante de personas del sistema financiero, se adoptó una filosofía de investigación positivista y se empleó un diseño de investigación de efecto causal. El estudio se realizó tanto en la ciudad de Mbeya como en el distrito rural de Mbeya. Se seleccionó una muestra de 210 encuestados de una población de 1.000 usuarios y proveedores financieros utilizando una técnica de muestreo aleatorio simple. Los datos se recopilaron mediante el uso de cuestionarios. Los datos recopilados se procesaron cuidadosamente y se sometieron a pruebas de confiabilidad y validez. Posteriormente, los datos depurados se analizaron utilizando modelos de ecuaciones estructurales (SEM) con la ayuda de SPSS AMOS versión 26. El análisis reveló que la eficacia de la gestión de las IF, medida por la categorización de clientes, el paquete financiero y la digitalización, tuvo un efecto positivo y estadísticamente significativo. impacto en la inclusión financiera. Con base en estos hallazgos, se recomienda que la administración de las instituciones financieras tome acciones innovadoras bajo la regulación del banco central para abordar la preocupación de que el 78% de la población de Tanzania no está bancarizada.

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