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Microfinance adoption as a mechanism for financial inclusion by entrepreneurs in rural South Africa
Mini Dissertation (MBA)--University of Pretoria, 2025.
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| Other Authors: | |
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| Format: | Thesis |
| Language: | English |
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University of Pretoria
2026
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| _version_ | 1867613531776483328 |
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| access_status_str | Open Access |
| author2 | Holland, Mike |
| author_browse | Holland, Mike |
| author_facet | Holland, Mike |
| collection | Thesis |
| dc_rights_str_mv | © 2025 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. |
| description | Mini Dissertation (MBA)--University of Pretoria, 2025. |
| format | Thesis |
| id | oai:repository.up.ac.za:2263/109154 |
| institution | University of Pretoria (South Africa) |
| language | English |
| last_indexed | 2026-06-10T12:37:38.105Z |
| license_str | Other — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UPSpace — University of Pretoria Institutional Repository |
| publishDate | 2026 |
| publishDateRange | 2026 |
| publishDateSort | 2026 |
| publisher | University of Pretoria |
| publisherStr | University of Pretoria |
| record_format | dspace |
| source_str | UPSpace — University of Pretoria Institutional Repository |
| spelling | oai:repository.up.ac.za:2263/109154 Microfinance adoption as a mechanism for financial inclusion by entrepreneurs in rural South Africa Holland, Mike ichelp@gibs.co.za Mutambanengwe, Tendai UCTD Financial inclusion Microfinance adoption Rural entrepreneurs Financial literacy Income Gender Mini Dissertation (MBA)--University of Pretoria, 2025. This research investigated how microfinance supported financial inclusion among rural entrepreneurs in South Africa. Due to factors such as gender inequality, income instability, and insufficient financial literacy, adoption among rural business owners has been inconsistent despite the expansion of microfinance institutions. The study sought to determine how these factors shaped the use of microfinance services, and how this engagement contributed to enterprise stability and inclusive growth. A quantitative, cross-sectional approach was applied, using survey data from 200 rural entrepreneurs analysed through descriptive and inferential statistics, including multiple regression. Microfinance adoption was the dependent variable, while gender, family income, and financial literacy were the independent variables. The results showed that financial literacy had the strongest positive effect, and gender had a moderate influence on microfinance adoption. Household income was not statistically significant. These findings indicated that financial inclusion depended more on knowledge, confidence, and institutional support than on income levels. The study concluded that empowering rural entrepreneurs through financial education and gender-responsive programmes could strengthen participation in formal finance and enhance the sustainability of small-scale enterprises in South Africa. Gordon Institute of Business Science (GIBS) MBA Unrestricted Gordon Institute of Business Science (GIBS) SDG-01: No poverty 2026-03-23T09:34:51Z 2026-03-23T09:34:51Z 2026-05-05 2025 Mini Dissertation * A2025 http://hdl.handle.net/2263/109154 en © 2025 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. application/pdf University of Pretoria |
| spellingShingle | UCTD Financial inclusion Microfinance adoption Rural entrepreneurs Financial literacy Income Gender Microfinance adoption as a mechanism for financial inclusion by entrepreneurs in rural South Africa |
| title | Microfinance adoption as a mechanism for financial inclusion by entrepreneurs in rural South Africa |
| title_full | Microfinance adoption as a mechanism for financial inclusion by entrepreneurs in rural South Africa |
| title_fullStr | Microfinance adoption as a mechanism for financial inclusion by entrepreneurs in rural South Africa |
| title_full_unstemmed | Microfinance adoption as a mechanism for financial inclusion by entrepreneurs in rural South Africa |
| title_short | Microfinance adoption as a mechanism for financial inclusion by entrepreneurs in rural South Africa |
| title_sort | microfinance adoption as a mechanism for financial inclusion by entrepreneurs in rural south africa |
| topic | UCTD Financial inclusion Microfinance adoption Rural entrepreneurs Financial literacy Income Gender |
| url | http://hdl.handle.net/2263/109154 |