The Interplay of Perceived Social Capital, Financial Inclusion, Financial Literacy, and Micro Takaful in Sudan’s Post-Conflict Economic Rehabilitation

Afaf Eltahir Mohamed Haroun and Mohd Effandi Bin Yusoff
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Afaf Eltahir Mohamed Haroun: Faculty of Management, Universiti Teknologi Malaysia, Johor Bahru, Johor, Malaysia
Mohd Effandi Bin Yusoff: Faculty of Management, Universiti Teknologi Malaysia, Johor Bahru, Johor, Malaysia

International Journal of Research and Innovation in Social Science, 2025, vol. 9, issue 1, 1772-1786

Abstract: Purpose: This study investigates the perceived interplay of social capital, financial inclusion, financial literacy, and micro takaful in fostering post-conflict economic rehabilitation in Sudan. Methodology: A quantitative research design employing a survey questionnaire was utilized to collect data from a purposive sample of 98 respondents. Partial Least Squares Structural Equation Modeling (PLS-SEM) was used to analyze the data. Findings: Micro takaful and social capital exhibited statistically significant positive effects on post-conflict economic rehabilitation, with medium effect sizes. Financial inclusion showed a positive but smaller effect, while financial literacy had no significant impact. The model demonstrated substantial explanatory power (R² = 0.490) and strong predictive validity. Importance-Performance Map Analysis (IPMA) highlighted micro takaful and social capital as key drivers of rehabilitation. Practical Implications: Policymakers should prioritize interventions strengthening micro takaful and social capital. Efforts to enhance financial inclusion should address contextual challenges limiting its effectiveness. The study’s predictive model can guide resource allocation for post-conflict recovery programs. Originality: The study provides an indepth understanding of the interplay between social capital, financial inclusion, financial literacy, and micro takaful in a post-conflict setting, offering suggestions for promoting economic rehabilitation in Sudan and potentially other similar contexts.

Date: 2025
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