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 Financial Capability Theory, the study employed a qualitative case study design. Data was collected from 25 purposively selected participants, including rural household members and mobile money agents, using focus group discussions and semi-structured interviews. The data were analyzed using thematic analysis. The findings revealed that mobile money was widely used for daily financial transactions, improved convenience and reduced reliance on cash. It enhanced access to savings by providing a secure and flexible platform for storing funds and supports access to financial assistance through quick transfers and informal credit. Additionally, mobile money improved household financial planning and strengthened resilience by enabling timely responses to economic shocks. However, its effectiveness was influenced by gender roles, financial literacy, and user confidence. The study concludes that mobile money significantly promoted financial inclusion, though its full potential depended on improved financial education and access.

Abstract: The purpose of the study was to examine the influence of liquidity on the Savings and Credit Cooperative Organization (SACCOs) growth in Uasin Gishu County, Kenya. The study adopted both explanatory and descriptive research designs. The target population was derived from 10 licensed SACCOs. A desired sample size of 63 respondents was computed from the target population. The sampling method used was proportionate stratified random sampling method to select the respondents. Questionnaires were used in data collection. Descriptive statistics were analysed using frequencies and percentages while inferential statistics were analyzed using Pearson Correlation and Multiple Regression with the aid of SPSS (V.23). Findings from the study indicated that there was a significant influence of liquidity on the SACCO growth in Uasin Gishu County. The findings also established that there was a significant positive influence of liquidity on the SACCO growth in Uasin Gishu. The study concluded that managing asset quality and cash adequately, along with having a loan repayment strategy and sufficient capital reserves, are important factors for the SACCO growth. Additionally, the deposit ratio was identified as a gauge for measuring a SACCO’s lending activities, and the findings revealed a significant positive influence of liquidity on SACCO growth. The study recommended that in order to enhance liquidity management in SACCOs it is wise to establish effective strategies for managing asset quality and cash flow. This can be achieved by regularly assessing and monitoring the quality of assets and implementing robust cash management practices to ensure profitability and sustainable growth.