Predicting microfinance inclusion and survival of microenterprises in rural Uganda: testing the mediating role of ethical financial behavior of poor young women owners
Summary. Ethical financial behavior fully mediates the relationship between microfinance access and survival of poor young women's microenterprises in rural Uganda. The study finds that microfinance inclusion and ethical financial behavior together explain 62% of enterprise survival variation. Financial education and business mentorship programs can improve loan repayment discipline and access to future credit among rural women entrepreneurs.
Cite this article
Bongomin, G. O. C., Semukono, F., Lubega, J. B. Y., & Balinda, R.. (2025). Predicting microfinance inclusion and survival of microenterprises in rural Uganda: testing the mediating role of ethical financial behavior of poor young women owners. International Journal of Ethics and Systems. https://doi.org/10.1108/ijoes-05-2024-0140
Bongomin, George Okello Candiya, et al. “Predicting microfinance inclusion and survival of microenterprises in rural Uganda: testing the mediating role of ethical financial behavior of poor young women owners.” International Journal of Ethics and Systems, 2025. https://doi.org/10.1108/ijoes-05-2024-0140.
Bongomin, George Okello Candiya, Frederick Semukono, Joseph Baleke Yiga Lubega, and Rebecca Balinda. 2025. “Predicting microfinance inclusion and survival of microenterprises in rural Uganda: testing the mediating role of ethical financial behavior of poor young women owners.” International Journal of Ethics and Systems. https://doi.org/10.1108/ijoes-05-2024-0140.
@article{bongomin-2025-predicting-microfinance-inclusion-survival-microenterprises,
title = {Predicting microfinance inclusion and survival of microenterprises in rural Uganda: testing the mediating role of ethical financial behavior of poor young women owners},
author = {George Okello Candiya Bongomin and Frederick Semukono and Joseph Baleke Yiga Lubega and Rebecca Balinda},
journal = {International Journal of Ethics and Systems},
year = {2025},
doi = {10.1108/ijoes-05-2024-0140},
url = {https://doi.org/10.1108/ijoes-05-2024-0140}
}
TY - JOUR TI - Predicting microfinance inclusion and survival of microenterprises in rural Uganda: testing the mediating role of ethical financial behavior of poor young women owners AU - George Okello Candiya Bongomin AU - Frederick Semukono AU - Joseph Baleke Yiga Lubega AU - Rebecca Balinda JO - International Journal of Ethics and Systems PY - 2025 DO - 10.1108/ijoes-05-2024-0140 UR - https://doi.org/10.1108/ijoes-05-2024-0140 ER -
Details
- DOI
- 10.1108/ijoes-05-2024-0140
- Countries
- Uganda
- Regions
- Africa
- Categories
- entrepreneurship, funding, general-innovation
- Added
- 2026-04-29