This paper aims to examine the role of institutional framework of regulative, normative, and cultural-cognitive in promoting financial literacy by microfinance deposit-taking institutions in developing economies with a specific focus on rural Uganda.,Data were collected from a total sample of 400 respondents who are clients of promotion of rural initiatives development enterprises microfinance deposit-taking institution using a questionnaire and analysis of moment structures (AMOS) was adopted to analyze the data to examine the role of institutional framework of regulative, normative, and cultural-cognitive in promoting financial literacy by microfinance deposit-taking institutions in developing economies with a specific focus on rural Uganda.,The results indicated that institutional framework of regulative, normative, and cultural-cognitive significantly and positively promotes financial literacy by microfinance deposit-taking institutions in developing economies, especially in rural Uganda. The existence of institutional framework of regulative (codified rules and laws), normative (shared beliefs/values and norms), and cultural-cognitive (shared conception and interpretation) promotes financial literacy by microfinance deposit-taking institutions in rural Uganda. The structural equation model constructed by use of AMOS revealed that the institutional framework of regulative, normative, and cultural-cognitive explains 27 per cent of the variation on the role of microfinance deposit-taking institutions in promoting financial literacy in rural Uganda.,This study was purely cross-sectional with data collected at a specific point in time. Therefore, future studies through longitudinal research design can be adopted to test for the hypotheses derived under this study. In addition, only quantitative data collected by use of a semi-structured questionnaire was used in this study. Further studies may consider the use of interviews to get in-depth responses from the respondents.,Advocates of financial literacy programs in developing economies should consider the existence of institutional framework of regulative, normative, and cultural-cognitive, which helps in promoting financial literacy by microfinance deposit-taking institutions. Indeed, the existence of state legislation to teach people about how to manage their money can promote financial literacy. Besides, normative behavior among individuals within a social setting can lead to increased likelihood that they will engage and participate in a particular financial literacy drive. Correspondingly, cognition, especially fluid intelligence that changes as people age may also help individuals to invoke several dimensions of cognitive skills to make informed financial decisions.,The current study adds to the existing body of knowledge by examining the role of institutional framework of regulative, normative, and cultural-cognitive in promoting financial literacy by microfinance deposit-taking institutions in developing economies. There is deficiency in the link between the institutional framework under the theory of institutions and financial literacy, especially in developing economies where there is great need for financial literacy among the poor.

中文翻译：

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审查制度框架在发展中经济体小额信贷存款机构提高金融知识能力方面的作用

在发展中经济体，特别是乌干达农村地区，通过小额信贷存款机构，以及对文化的认知可以显着并积极地促进金融知识的普及。规制（法规化的规则和法律），规范（共同的信念/价值观和规范）和文化认知（共同的概念和解释）的制度框架的存在，促进了乌干达农村地区小额信贷存款机构的金融素养。通过使用AMOS构建的结构方程模型表明，监管，规范和文化认知的制度框架解释了小额信贷存款机构在促进乌干达农村地区金融知识方面的作用的27％的变化。只是在特定时间点收集的数据的横截面。所以，可以采用通过纵向研究设计进行的未来研究来检验本研究得出的假设。此外，本研究仅使用通过半结构化问卷收集的定量数据。进一步的研究可能会考虑使用访谈来获得受访者的深入答复。发展中经济体中金融扫盲计划的倡导者应考虑监管，规范和文化认知的制度框架的存在，这有助于促进金融扫盲由小额信贷存款机构提供。确实，国家法律的存在可以教人们如何管理自己的资金，这可以促进金融知识的普及。除了，社会环境中个体之间的规范行为可能会导致他们参与并参与特定金融知识培养活动的可能性增加。相应地，认知，尤其是随着年龄的增长而变化的流动性智力，也可能有助于个人运用认知技能的多个维度来做出明智的财务决策。本研究通过考察监管制度框架的作用，为现有知识体系增添了活力，规范和文化认知，促进发展中经济体小额信贷存款机构提高金融知识水平。制度理论下的制度框架与金融知识之间的联系缺乏，特别是在发展中经济体中，那里穷人非常需要金融知识。