[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-316794-105":3,"detail-sidebar-cat-0-en-105":81,"doc-detail-316794-en":131},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":74,"head_meta":76,"extra_data":78,"updated_unix":80},105,"en","the-moderating-role-of-culture-in-the-relationship-between-financial-inclusion-and-financial-performance-of-small-and-medium-sized-enterprises-in-manyu-division-cameroon","The Moderating Role of Culture in the Relationship Between Financial Inclusion and Financial Performance of Small and Medium-Sized Enterprises in Manyu Division, Cameroon","","The study investigates how local culture moderates the link between financial inclusion and the financial performance of small and medium-sized enterprises (SMEs) in Manyu Division, Cameroon. Data come from a survey of 330 SMEs, with questionnaires analyzed using SEM-PLS. Results indicate that financial services are not statistically significant for performance, while other outcomes suggest a beneficial effect. Local culture strengthens the relationship, showing quasi-moderation through direct and moderation coefficients (0.048 and 0.010), supporting Resource-Based Theory and informing inclusive, culturally tailored policies and services.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/document/","Document",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/document/research-report/","Research & Report",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/document/the-moderating-role-of-culture-in-the-relationship-between-financial-inclusion-and-financial-performance-of-small-and-medium-sized-enterprises-in-manyu-division-cameroon/316794/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/the-moderating-role-of-culture-in-the-relationship-between-financial-inclusion-and-financial-performance-of-small-and-medium-sized-enterprises-in-manyu-division-cameroon/316794.png","ImageObject",300,407,{"name":42,"@type":43},"McQueen","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-30","2026-09-20",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",15,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"What does the study examine about SMEs in Manyu Division, Cameroon?","Question",{"text":63,"@type":64},"It examines the moderating role of local culture in the relationship between financial inclusion and SME financial performance in Manyu Division.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"How was data collected and analyzed?",{"text":68,"@type":64},"A survey of 330 SMEs used questionnaires for data collection, and the data were analyzed using the SEM-PLS technique.",{"name":70,"@type":61,"acceptedAnswer":71},"What is the study’s main finding about culture’s moderation effect?",{"text":72,"@type":64},"Local culture strengthens the relationship and the moderation nature is quasi-moderation, based on coefficients of 0.048 (direct effect) and 0.010 (moderation effect), both below 0.05.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},316794,1790013538,{"code":4,"msg":82,"data":83},"success",[84,88,92,96,101,106,111,115,120,123,127],{"id":22,"doc_module":4,"doc_module_name":25,"category_name":85,"show_sort_weight":86,"slug":87},"Story & Novel",90,"story-novel",{"id":26,"doc_module":4,"doc_module_name":25,"category_name":89,"show_sort_weight":90,"slug":91},"Literature",80,"literature",{"id":33,"doc_module":4,"doc_module_name":25,"category_name":93,"show_sort_weight":94,"slug":95},"Exam",70,"exam",{"id":97,"doc_module":4,"doc_module_name":25,"category_name":98,"show_sort_weight":99,"slug":100},5,"Comic",60,"comic",{"id":102,"doc_module":4,"doc_module_name":25,"category_name":103,"show_sort_weight":104,"slug":105},6,"Technology",50,"technology",{"id":107,"doc_module":4,"doc_module_name":25,"category_name":108,"show_sort_weight":109,"slug":110},7,"Healthcare",40,"healthcare",{"id":112,"doc_module":4,"doc_module_name":25,"category_name":29,"show_sort_weight":113,"slug":114},8,30,"research-report",{"id":116,"doc_module":4,"doc_module_name":25,"category_name":117,"show_sort_weight":118,"slug":119},9,"Religion & Spirituality",20,"religion-spirituality",{"id":118,"doc_module":4,"doc_module_name":25,"category_name":121,"show_sort_weight":118,"slug":122},"World Cup","world-cup",{"id":124,"doc_module":4,"doc_module_name":25,"category_name":125,"show_sort_weight":124,"slug":126},10,"Lifestyle","lifestyle",{"id":128,"doc_module":4,"doc_module_name":25,"category_name":129,"show_sort_weight":97,"slug":130},19,"General","general",{"code":4,"msg":82,"data":132},{"doc_id":79,"user_id":133,"nickname":42,"user_avatar":134,"doc_module":4,"category_id":112,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":135,"file_id":136,"file_url":137,"file_type":138,"file_size":139,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":128,"language":140,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":12,"update_tm":144,"read_time":145,"preview_page_count":4},5909890329169,"https://ap-avatar.wpscdn.com/davatar_9964176cb1d06d4a9deccf72a44ae3dc","The Moderating Role of Culture in the Relationship Between Financial Inclusion and Financial Performance of Small and MediumSized Enterprises in Manyu Division, Cameroon  \nAyuk Takemeyang 1, Henry Jong Ketuma 1 & Tambi Andison Akpor2  \n1 ICT University, Messassi, Zoatupsi, Yaounde, Cameroon  \n2 Research Scholar, University of Dschang, Cameroon  \nCorrespondence: Ayuk Takemeyang, ICT University, Messassi, Zoatupsi, Yaounde, Cameroon.  \ndoi: 10.63593/FMS.2788-8592.2025.11.001  \nAbstract  \nThis study investigates the moderating role of local culture in the relationship between financial inclusion and the financial performance of Small and Medium-Sized Enterprises (SMEs) in Manyu Division, Cameroon. A survey was conducted on a sample of 330 SMEs in Manyu Division, Cameroon. Questionnaires were used to collect data, which were then analyzed using the SEM-PLS technique. The research findings show that, although financial services do not have a statistically significant effect, other results indicate a beneficial effect on financial performance. Additionally, local culture was found to strengthen this relationship. With the moderation of local culture, the path coefficient value is 0.319, and the significance value is 0.010. culture strengthens the interaction between financial service quality and the financial performance of SMEs in Manyu Division, with a significant value of 0.048, which is less than 0.05. Therefore, the test result shows that the nature of culture moderation is quasi-moderation, as both the direct effect coefficient (0.048) and the moderation effect coefficient (0.010) are less than 0.05. The study supports the Resource-Based Theory as a theoretical contribution, making it relevant in reducing barriers to the growth of SMEs. The relevance of this article lies in providing new insights from the perspective of users, namely SMEs, whose numbers are still relatively small, particularly in terms of utilizing unique local genius values to enhance the interaction between financial inclusion and SMEs ’ financial performance. The study ’s insights contribute to the financial inclusion literature by highlighting the critical role of culture in shaping the financial performance outcomes ofSMEs. The findings have implications for policy makers, financial institutions, and SMEs seeking to enhance financial performance through inclusive financial services tailored to cultural context.  \nKeywords: financial inclusion, culture, financial performance, SMEs, Manyu Division, Cameroon  \n1. Introduction  \nIn a highly competitive business world, the operational sustainability of a company depends on financial performance; this applies to all lines of business, including Small and Medium-Sized Enterprises (SMEs), the smallest yet vital sector. For SMEs to remain viable today and in the future, their capacity to enhance their financial performance is crucial. The issue of financial performance in the SMEs segment is critical because it reflects the level of profitability achieved. A high level of profit allows SMEs to develop their businesses more effectively.  \nConversely, A low-profit level hinders SMEs in fulfilling financial obligations, servicing debts, and increases the risk of bankruptcy. Suharman et al. (2022) said financial performance encompasses multiple metrics of corporate efficacy, including revenue and sales. This suggests that analyzing multiple financial variables can provide a comprehensive understanding of the financial health of SMEs. Ullah (2020) explains how financial difficulties affect employment growth and business sales. To improve the performance of SMEs, strategic initiatives are  \nnecessary, including more efficient financial management, product and service diversification, market development, and the pursuit of innovative financial solutions.  \nThe phenomenon that occurs is that SMEs in Manyu Division struggle to improve and typically face significant challenges (Moscalu et al., 2020) . SMEs face various obst","cbCaitsl6082niN2","https://ap.wps.com/l/cbCaitsl6082niN2","pdf",607983,"English","# Introduction\n## Financial performance and SME viability\n## Financial inclusion and contextual influences\n# Research focus and theory\n# Methodology and data analysis\n# Findings and implications","[{\"question\":\"What does the study examine about SMEs in Manyu Division, Cameroon?\",\"answer\":\"It examines the moderating role of local culture in the relationship between financial inclusion and SME financial performance in Manyu Division.\"},{\"question\":\"How was data collected and analyzed?\",\"answer\":\"A survey of 330 SMEs used questionnaires for data collection, and the data were analyzed using the SEM-PLS technique.\"},{\"question\":\"What is the study’s main finding about culture’s moderation effect?\",\"answer\":\"Local culture strengthens the relationship and the moderation nature is quasi-moderation, based on coefficients of 0.048 (direct effect) and 0.010 (moderation effect), both below 0.05.\"}]","The Moderating Role of Culture in the Relationship Between Financial Inclusion and Financial Performance of Small and Medium-Sized Enterprises in Manyu Division, Cameroon | PDF",1789923590,48]