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October 1, 2025International Journal of Academic Research in Business and Social SciencesOpen Access

Financial Inclusion or Financial Risk? Rethinking Microfinance Governance for Equitable Development in Rural Economies

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Authors

FNFarah Aida Ahmad NadzriRJRazana Juhaida JohariMRMd. Azizur Rahman

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Overview

This conceptual analysis uncovers risks in microfinance for marginalized communities, suggesting governance reforms.

Key Points

  • Microfinance aims to promote financial inclusion, but inadequate governance may lead to financial risks among vulnerable groups.
  • Over-indebtedness and opaque lending practices highlight systemic flaws, potentially undermining development objectives.
  • Integrating principles from social capital theory with risk-based financial regulation can improve microfinance governance.
  • Policy recommendations call for hybrid governance models that ensure transparency and community involvement in microfinance operations.

Cite This Study

Nadzri et al. (2025) studied this question.

synapsesocial.com/papers/68dd89e6fe798ba2fc49813ahttps://doi.org/10.6007/ijarbss/v15-i9/26612
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Corporate governance in microfinance institutions: A systematic review of theoretical perspectives, methodological approaches, and empirical evidence2026 · 1 citations
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  3. 3A Study on Microfinace and Finacial Inculsion in Rural India2026
  4. 4Inclusive Financial Development through Soli-darity Finance and Microfinance2026
  5. 5Systemic Barriers and Opportunities in Financial Inclusion: Lessons from Developing Regions2025 · 1 citations