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Financial Inclusion Services, Women Financing Schemes, and the Growth of Women-Owned SMEs

Author

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  • Blaise Nyume Nyingmeh

    (School of business Teesside University)

  • Leo Kongnyuy Mainimo

    (School of business Teesside University)

Abstract

This study examined the relationships among financial inclusion services, women's financing schemes, and the growth of women-owned small and medium-sized enterprises (SMEs) at the base of the pyramid in Cameroon. A quantitative cross-sectional survey was conducted with 385 women entrepreneurs operating legally registered SMEs in Cameroon. Data were analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM) with SmartPLS 4 software to test direct and mediated relationships. The study employed a two-stage approach to model women's empowerment as a second-order construct comprising financial and non-financial services, grounded in the Resource-Based View. Findings revealed that financial services had a significant positive effect on SME growth (β = 0.428, p

Suggested Citation

  • Blaise Nyume Nyingmeh & Leo Kongnyuy Mainimo, 2026. "Financial Inclusion Services, Women Financing Schemes, and the Growth of Women-Owned SMEs," Technium Social Sciences Journal, Technium Science, vol. 81(1), pages 187-208, March.
    • Handle: RePEc:tec:journl:ojs:13507
    DOI: 10.47577/tssj.v81i1.13507
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