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dc.contributor.authorAtiase, Victor
dc.contributor.authorWang, Yong
dc.contributor.authorMahmood, Samia
dc.date.accessioned2018-11-01T14:26:50Z
dc.date.available2018-11-01T14:26:50Z
dc.date.issued2018
dc.identifier.citationAtiase, V., Wang, Y., & Mahmood, S. (2018) 'FNGOs and financial inclusion: investigating the impact of microcredit on employment generation in Ghana', The International Journal of Entrepreneurship and Innovation, 5 (3), pp. 629-637
dc.identifier.doi10.13140/RG.2.2.31703.11686
dc.identifier.urihttp://hdl.handle.net/2436/621840
dc.description.abstractFinancial Non-Governmental Organisations (FNGOs) are regulated microfinance institutions (MFIs) 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 which 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 in Ghana.
dc.language.isoen
dc.rightsAttribution-NonCommercial-NoDerivs 3.0 United States
dc.rights.urihttp://creativecommons.org/licenses/by-nc-nd/3.0/us/
dc.subjectMicro and Small Enterprises
dc.subjectMicrocredit
dc.subjectGhana
dc.subjectFNGOs
dc.subjectFinancial Inclusion
dc.subjectEmployment Growth
dc.titleFNGOs and financial inclusion: investigating the impact of microcredit on employment generation in Ghana
dc.typeJournal article
dc.identifier.journalThe International Journal of Entrepreneurship and Innovation
dc.date.accepted2018-10-01
rioxxterms.funderUniversity of Wolverhampton
rioxxterms.identifier.projectUOW01112018YW
rioxxterms.versionAM
rioxxterms.licenseref.urihttps://creativecommons.org/licenses/by-nc-nd/4.0/
rioxxterms.licenseref.startdate2018-11-01
dc.source.volume5
dc.source.issue3
dc.source.beginpage629
dc.source.endpage637
refterms.dateFCD2018-11-01T14:26:50Z
refterms.versionFCDAM


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