Samenvatting

Financial exclusion as a topic over the years has attracted several scholars to investigate the reasons why specific social groups of people get excluded from formal financial services. Some of the social groups discovered to always be excluded are women, the elderly, ethnic groups, minorities, and immigrants. Several strategies to curb the problem have been put in place, such as the G-20 Financial Inclusion Expert Group(FIEG) that was in 2009 set aside to develop secure and sound ways in which spreading new financial services capable of reaching the poor groups of people can take place. One such way is mobile financial and technological solutions like agency banking and mobile money services. However, still, some groups of people are finding it hard to access and use the provided mobile solutions. This thesis investigated women specifically those that own micro-businesses in the Kakoba division Mbarara Municipality in Uganda, as a case study to provide information on the factors that restrict the usage of mobile financial services among the micro businesswomen.