Abstract
In today's contemporary landscape, it becomes imperative to integrate inclusive investment structures and pioneering financial methodologies to meet the diverse financial needs of stakeholders. Practitioners involved in devising strategies for nationwide inclusive finance expansion could find utility in this research. The study used a cross-sectional research methodology and simple random sampling techniques to analyze the responses of the current study's respondents, who are owners/investors of micro-enterprises in Punjab, Pakistan. According to the findings of the study, having knowledge of inclusive finance has a considerable favorable effect on owners' intentions about inclusive finance through the perceived benefits and dangers of ordering finance. The role of innovation is one that helps to moderate. Innovation exerts a negative influence on the relationship between PROF and owners' IIF, whereas it has a positive impact on the relationship between PBOF and owners' IIF.
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