Peer-reviewed article

Exploring the link between women’s financial inclusion and child nutrition in Rulindo district, Rwanda

Philomene Niyibizi, Augustave Rukundo Micomyiza, Pacifique Ishimwe, Philomene Niwemugeni, Alphonsine Nyirahabineza et al. · 9 Oct 2025

Abstract

BACKGROUND: Childhood malnutrition remains a public health concern in Rwanda, with stunting rates at 33%, underweight at 8%, and wasting at 1%. These rates are particularly high in rural areas. As primary caregivers, women play a central role in child nutrition, their financial inclusion may significantly influence child health outcomes. This study investigated the relationship between women's financial inclusion and the nutritional status of children aged under five in Rulindo District, Rwanda. METHODS: A cross-sectional study was conducted in February 2024 among 315 women with children aged under 5 years. Financial inclusion data were collected using structured questionnaire. Children's nutritional status was assessed using anthropometric tools. WHO Anthro software, and SPSS version 25.0 were used to analyze the collected data. Bivariate and binary logistic regression analyses were conducted to identify associations between financial inclusion variables and child nutrition outcomes. RESULTS: Among children, 29.5% were stunted, 7.6% underweight, and 4.1% wasted. Bivariate analysis showed significant associations between financial practices (saving for future use and microfinance membership) and child nutritional status. Women who saved for the future were significantly less likely to have stunted children (p = 0.008) or wasted (p = 0.028). Additionally, microfinance membership was associated with a lower prevalence of stunting (p = 0.07), but a higher risk of underweight (p = 0.035). Logistic regression confirmed the association: women with stable income had children with lower odds of stunting (Adjusted Odds Ratio [AOR] = 4.039, p = 0.022), and those in microfinance groups were less likely to have stunted children (AOR = 2.587, p = 0.009), but more likely to report underweight (Crude Odd Ratio [COR] = 4.711, p = 0.029). Saving behavior was protective in the crude model, though it was not statistically significant in the adjusted model. CONCLUSION: Women's financial inclusion is positively associated with improved child nutritional outcomes, particularly regarding stunting and wasting. However, financial literacy and targeted support are needed to ensure that economic tools translate into measurable health benefits. Integrated strategies addressing both financial capacity and nutrition education are essential for long-term child health improvement.