Financial literacy and sustainability of rural microfinance: The mediating effect of governance

Apriani Dorkas Rambu Atahau, Imanuel Madea Sakti, Alliny Namilana Rambu Hutar, Andrian Dolfriandra Huruta, Min‐Sun Kim · 2023 · Cogent Economics & Finance

Summary. Financial literacy significantly improves the sustainability of rural microfinance institutions, but this effect works primarily through better governance structures. The study of a women farmers group in Indonesia found that financial literacy—shaped by age, gender, education, and employment—strengthens how microfinance organizations are managed, which then drives institutional sustainability. Policymakers should prioritize financial literacy programs and governance improvements to support rural microfinance.

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@article{atahau-2023-financial-literacy-sustainability-rural-microfinance,
  title   = {Financial literacy and sustainability of rural microfinance: The mediating effect of governance},
  author  = {Apriani Dorkas Rambu Atahau and Imanuel Madea Sakti and Alliny Namilana Rambu Hutar and Andrian Dolfriandra Huruta and Min‐Sun Kim},
  journal = {Cogent Economics & Finance},
  year    = {2023},
  doi     = {10.1080/23322039.2023.2230725},
  url     = {https://doi.org/10.1080/23322039.2023.2230725}
}

TY  - JOUR
TI  - Financial literacy and sustainability of rural microfinance: The mediating effect of governance
AU  - Apriani Dorkas Rambu Atahau
AU  - Imanuel Madea Sakti
AU  - Alliny Namilana Rambu Hutar
AU  - Andrian Dolfriandra Huruta
AU  - Min‐Sun Kim
JO  - Cogent Economics & Finance
PY  - 2023
DO  - 10.1080/23322039.2023.2230725
UR  - https://doi.org/10.1080/23322039.2023.2230725
ER  - 

Details

DOI

10.1080/23322039.2023.2230725

Countries

Indonesia

Regions

Asia

Categories

funding, policy, rural-data-and-definitions

Added

2026-04-28