http://repo.lib.jfn.ac.lk/ujrr/handle/123456789/122 2026-04-16T17:00:54Z 2026-04-16T17:00:54Z Tharshiga, P. Chandrasena, H.M. http://repo.lib.jfn.ac.lk/ujrr/handle/123456789/12426 2026-03-31T08:53:39Z 2025-01-01T00:00:00Z

Impact Of Micro Finance On Women’s Empowerment Evidence: From Anuradhapura District In Sri Lanka Tharshiga, P.; Chandrasena, H.M. The present study aims to analyse the impact of microfinance on women’s empowerment in the Anuradhapura District of Sri Lanka. For the analysis purpose, microcredit, micro savings, and microinsurance are the measures of microfinance that serve as independent variables influencing women's empowerment, which is measured by decision-making power, income generation, education, health, and well-being. Guided by Empowerment Theory, the research employs a quantitative approach, utilizing a structured questionnaire administered to 150 women beneficiaries selected through stratified random sampling across three divisional secretariats: Madawachchiya, Mihinthale, and Rambewa. The data were analysed using Partial Least Squares–Structural Equation Modelling (PLS-SEM) to examine the structural relationships between microfinance services and empowerment dimensions. A structured questionnaire was used to gather data from the women beneficiaries of the microfinance program across three divisional secretariats: Madawachchiya, Mihinthale, and Rambewa. The study's findings reveal that microfinance plays a significant and positive role in improving women’s empowerment. Among the microfinance components, microcredit and micro savings emerged as the key drivers, enhancing financial independence and household decision-making. The findings emphasise that while microfinance facilitates economic empowerment, persistent socio-cultural and institutional barriers limit women’s full autonomy. The study highlights the importance of integrating financial services with financial literacy and social inclusion programs to ensure sustainable empowerment outcomes. The results provide valuable insights for policymakers, financial institutions, and development agencies seeking to strengthen gender-responsive microfinance frameworks in Sri Lanka.

2025-01-01T00:00:00Z Mithila, G. Lingeshiya, K. Attygalle, S. http://repo.lib.jfn.ac.lk/ujrr/handle/123456789/12416 2026-03-27T08:54:26Z 2026-01-01T00:00:00Z

Understanding Behavioural Intention Toward Cryptocurrency Use Among Gen Z in Sri Lanka Mithila, G.; Lingeshiya, K.; Attygalle, S. Cryptocurrency has emerged as an influential element within global digital finance. However, adoption patterns differ across countries. This study investigates behavioural intentions of Generation Z users in Sri Lanka to adopt cryptocurrencies by applying the Technology Acceptance Model. The model incorporates perceived ease of use, perceived usefulness, trust, and awareness as key determinants of intention. A quantitative survey of university students was conducted, and responses from 261 participants were analysed using established statistical techniques. The results indicate that all four factors have a significant positive effect on behavioural intention, with trust emerging as the strongest predictor. The model explains a substantial proportion of the variation in intention, demonstrating the importance of both technological and psychological drivers in shaping adoption behaviour. The findings emphasize the need to improve user awareness, strengthen trust in digital financial systems, and enhance usability and perceived value of cryptocurrency platforms. These insights offer practical implications for policymakers, educators, and industry practitioners aiming to promote responsible and informed adoption of cryptocurrency technologies in emerging market contexts.

2026-01-01T00:00:00Z Mithila, G. Kengatharan, L. Fernando, A.M.P. http://repo.lib.jfn.ac.lk/ujrr/handle/123456789/12415 2026-03-27T08:24:13Z 2026-01-01T00:00:00Z

The Impact of Mobile Banking Adoption on Financial Inclusion Mithila, G.; Kengatharan, L.; Fernando, A.M.P. FinTech, especially mobile banking has become a key tool in expanding financial access, particularly in regions underserved by traditional banking. While developed countries focus on improving service use, mobile banking has driven major inclusion gains in emerging and frontier markets by overcoming cost and distance barriers. Despite high banking access in Sri Lanka, usage of digital financial tools remains low, partly due to limited IT literacy which is around 35% and trust concerns. This study examines whether mobile banking awareness, accessibility, digital skills and trust influence financial inclusion using survey data from 220 bank customers in Puttalam district. Statistical analysis is carried out using SPSS 25.0 version and the results show all four factors significantly support inclusion with trust and digital literacy having the strongest effects. The findings suggest mobile banking can effectively promote financial inclusion, but success relies on improving user knowledge, digital skills and confidence in digital systems. The research fills a gap in the frontier market and offers clear direction for policies and FinTech strategies aimed at inclusive financial growth.

2026-01-01T00:00:00Z Anandasayanan, S. http://repo.lib.jfn.ac.lk/ujrr/handle/123456789/12315 2026-03-05T04:41:42Z 2025-01-01T00:00:00Z

Corporate Governance And Investment Efficiency: Evidence From Financial Sector In Sri Lanka Anandasayanan, S. Corporate governance is a system that includes the rules and regulations that stakeholders of companies should obey. Investment efficiency refers to how well a firm uses its resources, including capital and labor, to make profitable investments while effectively managing associated risks. The main purpose of this survey is to measure the effect of corporate governance practices implemented by the financial sector on investment efficiency. Fifty financial institutions listed under the financial sector in the Colombo Stock Exchange are randomly selected for this study and the data for the study covers the period from 2017 to 2022. In order to analyze the investment efficiency of the financial sector, return on Assets was used. In addition, to measure the corporate governance, board composition, size of the audit committee, number of meetings and board size were considered as explanatory variables. To analyze the data, the panel data regression analysis was exercised. As per the results, it is quite obvious that the board composition and board meetings have a major impact on the efficiency of investment in the financial sector. These findings depict that, the financial institutions precisely build the board committee in association with independent directors and they conduct meetings to implement the proper plans, in which both of these lead to increase in the investment efficiency. On the other hand, audit committee and board size do not have statistical significance. These findings imply that neither the audit committee size nor the board size has a meaningful impact on investment efficiency. By ensuring the presence of a liaison between corporate governance practice and investment efficiency, the financial sector should adopt the corporate governance requirements suggested by code of best practices in Sri Lanka. When firms adopt corporate governance practices, this implies that those firms are acting on a best interest of the stakeholders.

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