Customers’ Perception of Microfinance Services as a Tool for Rural Development: A Romanian Case Study

Denisa Henegar, Garofița Loredana Ilieș, Iulia Mureşan, Andra Poruțiu, Iulia Diana Arion, Felix Arion · 2024 · Agriculture

Summary. Microfinance institutions in Romania succeed when they build trust, demonstrate empathy, and maintain strong organizational culture and reputation. A survey of 110 microfinance clients identified three key service quality dimensions: empathy and assurance, trust, and intangibles. While gender differences in perception were minimal, age, education, and business type significantly shaped how clients viewed services. Improving these intangible factors strengthens client relationships and enables sustainable rural development.

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@article{henegar-2024-customers-perception-microfinance-services-tool,
  title   = {Customers’ Perception of Microfinance Services as a Tool for Rural Development: A Romanian Case Study},
  author  = {Denisa Henegar and Garofița Loredana Ilieș and Iulia Mureşan and Andra Poruțiu and Iulia Diana Arion and Felix Arion},
  journal = {Agriculture},
  year    = {2024},
  doi     = {10.3390/agriculture14071087},
  url     = {https://doi.org/10.3390/agriculture14071087}
}

TY  - JOUR
TI  - Customers’ Perception of Microfinance Services as a Tool for Rural Development: A Romanian Case Study
AU  - Denisa Henegar
AU  - Garofița Loredana Ilieș
AU  - Iulia Mureşan
AU  - Andra Poruțiu
AU  - Iulia Diana Arion
AU  - Felix Arion
JO  - Agriculture
PY  - 2024
DO  - 10.3390/agriculture14071087
UR  - https://doi.org/10.3390/agriculture14071087
ER  - 

Details

DOI

10.3390/agriculture14071087

Countries

Romania

Regions

Europe

Categories

funding, entrepreneurship

Added

2026-04-28