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

Blaise Nyume Nyingmeh and Leo Kongnyuy Mainimo
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Blaise Nyume Nyingmeh: School of business Teesside University
Leo Kongnyuy Mainimo: School of business Teesside University

Technium Social Sciences Journal, 2026, vol. 81, issue 1, 187-208

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

Date: 2026
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Persistent link: https://EconPapers.repec.org/RePEc:tec:journl:ojs:13507

DOI: 10.47577/tssj.v81i1.13507

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