Efeitos da eficácia da gestão das instituições financeiras na inclusão financeira na cidade de Mbeya e no distrito rural de Mbeya
DOI:
https://doi.org/10.5935/jetia.v9i42.872Resumo
Este estudo avaliou o impacto da eficácia da gestão das instituições financeiras (IFs) na inclusão financeira. Esta investigação foi motivada porque apenas uma pequena parcela, aproximadamente 22%, da população da Tanzânia utilizava serviços bancários. Para descobrir as razões por trás dos restantes 78% de indivíduos excluídos do sistema financeiro, foi adoptada uma filosofia de investigação positivista e foi utilizado um desenho de investigação de efeito causal. O estudo foi realizado na cidade de Mbeya e no distrito rural de Mbeya. Uma amostra de 210 entrevistados foi selecionada de uma população de 1.000 usuários e provedores financeiros usando uma técnica de amostragem aleatória simples. Os dados foram coletados por meio de questionários. Os dados coletados foram cuidadosamente processados e submetidos a testes de confiabilidade e validade. Posteriormente, os dados limpos foram analisados usando modelagem de equações estruturais (SEM) com o auxílio do SPSS AMOS versão 26. A análise revelou que a eficácia da gestão dos IFs, medida pela categorização de clientes, embalagem financeira e digitalização, teve um impacto positivo e estatisticamente significativo. impacto na inclusão financeira. Com base nestas conclusões, recomenda-se que a gestão das IF tome medidas inovadoras ao abrigo da regulamentação do banco central para abordar a preocupação de que 78% da população da Tanzânia não tem conta bancária.
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