Emynorane, Ralaivao Hanginiaina (2023) IDENTIFICATION OF CHALLENGES FACED BY ENTREPRENEURS IN MADAGASCAR: CASE STUDY OF CASH POINT ENTREPRENEURS IN TOLIARA CITY. Masters thesis, FAKULTAS ILMU SOSIAL DAN ILMU POLITIK.

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Abstract

Keywords: challenges, mobile money, cash point, entrepreneurs, SWOT
Cash point entrepreneurs are those who act in facilitating payment via
mobile money service within the unbanked population. They are partner with the
mobile phone operators, acting as an agent distributor to facilitate community’s
lives by providing deposit, withdrawal and transfer of money through their kiosk
that exist everywhere in the country.
The focus of this study includes: (1) the importance of cash point
entrepreneurs in developing economy; (2) the challenges faced by cash point
entrepreneurs in Madagascar; and (3) the strategy to handle these challenges faced
by cash point entrepreneurs in Madagascar. The aim of this study is to identify the
challenges faced by cash point entrepreneurs in Toliara city of Madagascar.
This study uses a qualitative approach with a case study design, in which
researcher tries to identify the challenges faced by cash point entrepreneurs in
Madagascar. Data collection techniques include: (1) in-depth interviews, and (2)
documentation studies. Data collected through these techniques are organized,
interpreted, and analyzed in depth through analysis in case in order to develop
concepts and abstraction of research findings. Data credibility is checked by
triangulation and member checking. Whereas dependability and confirmation are
carried out with the supervisors as the dependent auditor.
The findings of this study can be described as follows. First, the importance
of cash point entrepreneurs in developing economy: (1) working as a traditional
bank agent; (2) improving access to financial services; (3) facilitate the deposit,
withdraw and transfer of money; (4) supporting bill payments and marketplace
purchases; and (5) financial resilience. Second, the challenges faced by cash point
entrepreneurs in Madagascar: (1) internal factors such as financial limitation and
wrong cash point store location; (2) external factors such as network error, lack of
operator support, small commissions and rewards, and insecurity issue. Third,
SWOT matrix analysis were conducted to analyze the internal strengths, internal
weaknesses, external opportunities, and external threats of cash point entrepreneurs
in Madagascar

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