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Achieving Sustainability in Sudan Through Microfinance and Mobile Banking

In: Enhancing Financial Inclusion through Islamic Finance, Volume II

Author

Listed:
  • Elsadig Musa Ahmed

    (Multimedia University)

  • Anwar Ammar

    (Multimedia University)

Abstract

This study attempts to apply significant knowledge economy drivers of information and communications technology (ICT) to the implementation of mobile banking (M-bank) in order to increase the outreach for Sudanese microfinance. Access to financial service is key for economic development and poverty alleviation. Microfinance is one way of fighting poverty in Sudan. Despite initial results showing the positive impact of microfinance on livelihoods of low-income people, around 8 million Sudanese remain excluded from microfinance services. One potential remedy for the limited outreach of microfinance lies in the utilization of modern technology such as the use of M-banking technology by microfinance service providers (MFPs). This chapter examines the factors that influence the adoption of M-banking by the microfinance sector in Sudan. Hypotheses are guided by the unified theory of acceptance and use of technology (UTAUT) and technology-organization-environment (TOE) models. Primary data was collected from MFPs and microfinance customers using questionnaires and interviews.

Suggested Citation

  • Elsadig Musa Ahmed & Anwar Ammar, 2020. "Achieving Sustainability in Sudan Through Microfinance and Mobile Banking," Palgrave Studies in Islamic Banking, Finance and Economics, in: Abdelrahman Elzahi Saaid Ali & Khalifa Mohamed Ali & Mohamed Hassan Azrag (ed.), Enhancing Financial Inclusion through Islamic Finance, Volume II, chapter 0, pages 297-325, Palgrave Macmillan.
    • Handle: RePEc:pal:psibcp:978-3-030-39939-9_13
    DOI: 10.1007/978-3-030-39939-9_13
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