What does this research mean for the field?

Financial literacy among women entrepreneurs in emerging economies functions as a socially embedded process of reflection, relational learning, and adaptive negotiation, rather than merely a technical competence. Novelty: ClaimNovelty.INCREMENTAL. Consensus alignment: ConsensusAlignment.NEUTRAL.

What question did this study set out to answer?

To reframe financial literacy from a purely technical skill into a socially embedded process through which women entrepreneurs enact agency and negotiate empowerment.

August 30, 2026Social Sciences & Humanities OpenOpen Access

Reframing financial literacy as empowerment: Insights from multi-case narratives of women entrepreneurs in emerging economies

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Authors

NNurjannahState University of Makassar MAMuhammad AzisSepuluh Nopember Institute of Technology MNMarhawati NajibState University of Makassar

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Implication

Qualitative multi-case study reveals financial literacy develops through relational learning and adaptive negotiation in women entrepreneurs, highlighting its role as socially embedded empowerment.

Key Points

To reframe financial literacy from a purely technical skill into a socially embedded process through which women entrepreneurs enact agency and negotiate empowerment.
Conducted a qualitative multi-case study among N=66 women micro-entrepreneurs across three regions of South Sulawesi, Indonesia (Makassar, Gowa, and Pangkep).
Gathered qualitative data using narrative interviews, focus group discussions, and supporting documentation.
Performed thematic–narrative analysis using NVivo software to identify emergent themes across participant narratives.
Revealed that women develop financial literacy via iterative processes of reflection, relational learning, and adaptive navigation around economic and digital constraints.
Formulated the Narrative–Relational–Reflective Empowerment Cycle framework demonstrating how lived experiences and social networks intersect to drive financial agency.

Cite This Study

Nurjannah et al. (2026) studied this question.

synapsesocial.com/papers/6a93f00a6c1a8fb52e79c1e1 https://doi.org/10.1016/j.ssaho.2026.103553

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Implication

Qualitative multi-case study reveals financial literacy develops through relational learning and adaptive negotiation in women entrepreneurs, highlighting its role as socially embedded empowerment.

Reframing financial literacy as empowerment: Insights from multi-case narratives of women entrepreneurs in emerging economies

Discussion

Member takes

Implication

Key Points

Cite This Study

Reframing financial literacy as empowerment: Insights from multi-case narratives of women entrepreneurs in emerging economies

Discussion

Member takes

Implication

Key Points

Cite This Study

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