Financial Inclusion: Boosting Green Practices and Innovation for Female Vendors Well-Being
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Abstract
This paper examines the factors that influence the quality of life of women street vendors in Serang City, focusing on the contributions of environmentally friendly practices, entrepreneurial innovativeness, and financial inclusion. 100 participants were randomly selected and interviewed using structured questionnaires. Descriptive statistics provided insights into the respondents' profiles, while Structural Equation Modeling with Partial Least Squares (SEM-PLS) was used to analyze the relationships between the study variables. The results show that green practices have a significant positive impact on the well-being of women street vendors. Entrepreneurial innovation also proved to be a crucial factor that had a positive impact on their well-being. Green practices were found to promote entrepreneurial innovation, directly creating a reinforcing dynamic. Furthermore, a positive correlation was found between financial inclusion and well-being. It also played a mediating role by reinforcing the impact of green practices and entrepreneurial innovation on participants' well-being. In conclusion, the study shows that promoting green practices, entrepreneurial innovation and improving access to financial resources are important strategies to improve the quality of life of women street vendors in Serang City. These findings underscore the importance of integrated interventions to promote sustainable livelihoods and economic empowerment of women in the sector.
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References
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[4] Basu, S., & Nagendra, H. (2020). The street as workspace: Assessing street vendors’ rights to trees in Hyderabad, India. Landscape and Urban Planning, 199, 103818. https://doi.org/10.1016/J.LANDURBPLAN.2020.103818
[5] Bernal-Torres, C. A., Peralta-Gómez, M. C., & Thoene, U. (2020). Street vendors in Bogotá, Colombia, and their meanings of informal work. Cogent Psychology, 7(1). https://doi.org/10.1080/23311908.2020.1726095
[6] Bhatia, S., & Singh, S. (2019). Empowering Women Through Financial Inclusion: A Study of Urban Slum. Vikalpa: The Journal for Decision Makers, 44(4), 182–197. https://doi.org/10.1177/0256090919897809
[7] Chibango, C. (2024). Social inclusion of street vendors in Harare: Challenges and opportunities. HTS Teologiese Studies / Theological Studies, 80(2). https://doi.org/10.4102/hts.v80i2.9046
[8] Feranita, N. V., Mahendrawan, A. D., & Asmuni, A. (2024). Determinants of Digital Technology Adoption Among Women Entrepreneurs. Journal of Women's Entrepreneurship and Education, 3/4, 66–92. https://doi.org/10.28934/jwee24.12.pp66-92
[9] Fieve, J. K. D., & Chrysostome, E. V. (2024). Credit Cooperative Lending Loans as Challenges and Opportunities for Women Entrepreneurship in Africa: Evidence from Ghana. Journal of African Business, 25(1), 94–114. https://doi.org/10.1080/15228916.2022.2078937
[10] Frare, A. B., & Beuren, I. M. (2023). The role of informal controls in a green innovative setting: evidence from Brazilian AgTechs. Journal of Management Control, 34(4), 489–522. https://doi.org/10.1007/s00187-024-00367-4
[11] Garg, D. Y. K. (2024). Calibrating Urban Livability in the Global South (D. S. Mehrotra, D. D. Subramanian, D. S. Krishnan, & D. A. Bharat, Eds.). B P International. https://doi.org/10.9734/bpi/mono/978-81-971889-1-6
[12] Gehlot, R., Kapoor, S., Kaur Butalia, G., & Jain, V. (2023). Invisible Entrepreneurs: Unpacking the Challenges of Street Vendors in the Delhi Metropolitan Area. International Research Journal of Multidisciplinary Scope, 04(03), 01–05. https://doi.org/10.47857/irjms.2023.v04i03.096
[13] Grangxabe, X. S., Madonsela, B. S., Maphanga, T., Gqomfa, B., Phungela, T. T., & Malakane, K. C. (2024). An overview of waste management practices of street vendors in sub-Saharan Africa: A meta-analysis. Journal of Environmental Management, 364, 121464. https://doi.org/10.1016/J.JENVMAN.2024.121464
[14] Grosu, R. M. (2024). “Green” practices in the food retail sector: evidence from the Romanian market. British Food Journal, 126(1), 173–190. https://doi.org/10.1108/BFJ-12-2022-1119
[15] Hair, J. F., Sarstedt, M., Ringle, C. M., Sharma, P. N., & Liengaard, B. D. (2024). Going beyond the untold facts in PLS–SEM and moving forward. European Journal of Marketing, 58(13), 81–106. https://doi.org/10.1108/EJM-08-2023-0645
[16] Irankunda, D., & Van Bergeijk, P. A. G. (2020). Financial Inclusion of Urban Street Vendors in Kigali. Journal of African Business, 21(4), 529–543. https://doi.org/10.1080/15228916.2019.1695182
[17] Kalitanyi, V. (2021). Assessing green practices awareness among fruit and vegetable street vendors in Johannesburg. Journal of Contemporary Management, 18(2), 257–281. https://doi.org/10.35683/jcm21010.129
[18] Kaya, H. D. (2021). Do Business-Friendly States Attract Female Entrepreneurs? JWEE, 3–4, 1–21. https://doi.org/10.28934/jwee21.34.pp1-21
[19] Kelikume, I. (2021). Digital financial inclusion, informal economy and poverty reduction in Africa. Journal of Enterprising Communities: People and Places in the Global Economy, 15(4), 626–640. https://doi.org/10.1108/JEC-06-2020-0124
[20] Kirumirah, M. H., & Munishi, E. J. (2021). Characterizing Street Vendors in the Urban Settings of Tanzania: Towards Sustainable Solutions to Vendors’ Challenges. In Sustainable Education and Development (pp. 245–261). Springer International Publishing. https://doi.org/10.1007/978-3-030-68836-3_22
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