Mobile money – Journal of Research Innovation and Implications in Education

Influence of Digital Financial Services on Agricultural Productivity among Smallholder Farmers in Musanze District, Rwanda

By JRIIE | September 14, 2026

Olive Mukamugisha and Thomas TarusUniversity of Kigali, RwandaEmail: amina2020mugisha@gmail.com Abstract: Digital financial services (DFS) have emerged as important tools for promoting financial inclusion and supporting agricultural activities in developing countries. This study examined the influence of digital financial services on agricultural productivity among smallholder farmers in Musanze District, Rwanda. Specifically, it assessed the influence of…

Mobile Payment Services and Financial Inclusion: Evidence from Mobile-Money Agents in Muganza Sector, Nyaruguru District, Rwanda

By JRIIE | September 14, 2026

Uwase Nkusi DianaUniversity of Kigali, RwandaEmail: uwase.amoura@gmail.com Abstract: Rwanda reports high headline financial inclusion (96% of adults in 2024), yet rural disparities persist; Nyaruguru District records 10% financial exclusion, more than twice the national rate of 4%. This study examined the effect of four mobile-payment-service dimensions—money-transfer services, deposit-and-withdrawal services, payment-service efficiency, and mobile-banking services—on financial…

Mobile Money Usage and Financial Inclusion among Rural Households: Empirical Evidence from Bukombe District, Tanzania

By JRIIE | April 3, 2026

Dionysius Joseph MsilikareTanzania Public Service College, Tabora CampusEmail: dionymsilikare@gmail.com Abstract: This study examined the influence of mobile money usage on financial inclusion among rural households in Bukombe District, Tanzania. Specifically, it explored how mobile money enhanced access to savings and financial services, facilitated access to credit, and influenced household financial decision-making and resilience. Guided by…