In semi-arid Northern Ghana, smallholder farmers face food insecurity and financial risk due to climate change. In response, the Village Savings and Loan Association (VSLA) model, a community-led microfinance model, has emerged as a promising finance and climate resilience strategy. VSLAs offer...

In an era of growing financial complexity, understanding the financial literacy levels of rural agribusiness women is paramount for promoting economic empowerment and inclusion. This study examines the financial literacy levels among rural agribusiness women in Luweero District, Uganda, and the...

Savings and loan companies have attempted to satisfy the needs of their customers by raising assets and giving them credit. The study examines the financial challenges of savings and loan companies in Ghana from 2016 to 2021. The data came from the Savings and Loans Companies database and the...

Using several different datasets obtained from the German Central Bank (Deutsche Bundesbank) and the German Federal Statistical Office, we provide empirical evidence that savings and loan contracts (SLCs) are a macrosocial phenomenon that smooths housing demand by setting countercyclical...

Lawyers are engineers and architects of contractual frameworks — arguably equally important as those actually building the physical infrastructure and those financing it. Contracts are part of adequate legal governance that is considered one of the preconditions to be in place for effectively...