Authors : Chipo Ng'andu; James Mutambo

Volume/Issue : Volume 11 - 2026, Issue 8 - August

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Google Scholar : https://tinyurl.com/2k2uhcdy

DOI : https://doi.org/10.38124/ijisrt/26aug1220

Note : A published paper may take 4-5 working days from the publication date to appear in PlumX Metrics, Semantic Scholar, and ResearchGate.

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Abstract : Financial inclusion remains a critical challenge for smallholder farmers (SHFs) in Zambia despite rapid growth in Digital Financial Services (DFS). This study empirically investigates the role of DFS in enhancing financial inclusion among SHFs in Ndola District, Zambia, and identifies key drivers and barriers to adoption and usage. A cross-sectional mixed-methods design was employed, combining quantitative data from 200 SHFs with qualitative data from 4 Focus Group Discussions and 10 Key Informant Interviews. Quantitative data were analyzed using descriptive statistics and binary logistic regression, while qualitative data underwent thematic analysis.

Keywords : Digital Financial Services, Financial Inclusion, Smallholder Farmers, Mobile Money, Binary Logit Model, Zambia.

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