MOBILE BANKING SERVICES AND FINANCIAL SUSTAINABILITY OF WOMEN LED ENTERPRISES IN GARISSA TOWNSHIP MARKET
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Abstract: Mobile banking services has emerged as a critical tool for fostering inclusive economic growth, reducing poverty, and enhancing resilience among vulnerable populations. The main objective of the study was to assess the influence of mobile banking services on financial sustainability of women led enterprises in Garissa Township market. The study was based on Technology Acceptance Model. The target population for this study comprised all the 685 women entrepreneurs operating within the Garissa Township Market. These included women running businesses in sectors such as retail, food vending, clothing, salon services, and small-scale manufacturing. The sample size for this study was 253 women entrepreneurs. The study used stratified random sampling to ensure representation across different business sectors. Data was collected using a structured questionnaire comprising both closed-ended and Likert-scale questions. Quantitative data was coded and analyzed using Statistical Package for the Social Sciences (SPSS) version 25. Descriptive statistics summarized demographic and financial access variables. Multiple regression analysis was used to determine the effect of financial inclusion dimensions on business sustainability. Data was presented in tables, graphs, and charts. The study showed that mobile banking services significantly contribute to the financial sustainability of women-led enterprises in Garissa Township Market. Based on the findings of the study, the study recommends that financial institutions and mobile banking service providers should continue expanding and improving mobile banking services targeting women entrepreneurs.
Keywords: Financial Sustainability, Garissa, Mobile Banking, Payment, Women Led Enterprises.
Title: MOBILE BANKING SERVICES AND FINANCIAL SUSTAINABILITY OF WOMEN LED ENTERPRISES IN GARISSA TOWNSHIP MARKET
Author: Amina Amin Abdullahi, Dr. Steve Ondieki, Dr. Sitati Isaiah Nalianya
International Journal of Recent Research in Commerce Economics and Management (IJRRCEM)
ISSN 2349-7807
Vol. 13, Issue 4, October 2026 - December 2026
Page No: 39-51
Paper Publications
Website: www.paperpublications.org
Published Date: 22-October-2026
DOI: https://doi.org/10.5281/zenodo.23567481
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