Promoting Sustainable Living Through Clean and Green Communities
Ms. Vivian from Nigeria is leading efforts to promote sustainable living and environmental preservation as part of a long-term vision to create clean and resilient
Normafa Research Center
Driving Sustainable Solutions through Research, Data, and Community Action to Achieve the United Nations Sustainable Development Goals (UN SDGs)
Our Services
Data Collection
Data Analysis
Academic Writing
About Us
Normafa Research Center is an independent organization based in Hungary, Czech Republic, Indonesia, Kyrgyzstan and Ethiopia, working in collaboration with partners from several countries. Through this international network, we advance the UN Sustainable Development Goals by conducting high-quality research, collecting key development data, and supporting community-led initiatives grounded in grassroot understanding. Guided by the principles of equity and inclusion, our work aims to inform decision-making, bridge knowledge gaps, and drive sustainable, locally rooted progress.
Activities
Collaborative Initiatives for Science Teachers at Woldia University
Woldia University recently conducted a transformative science teacher training program aimed at improving the quality of secondary education in the North Wollo zone of Ethiopia.
Collecting Data on Fintech Adoption Among MSMEs
The Normafa Research team is currently assisting its clients in collecting data on the adoption of financial technology (fintech) among Micro, Small, and Medium Enterprises
Engaging in Financial Literacy Discussions with the Anak Dalam Tribe
The visit to the Anak Dalam Tribe in Sarolangun, Jambi, was not merely a cultural encounter but also an academic exploration designed to assess financial
Empowering SMEs Through Financial Education
Small and Medium Enterprises (SMEs) are the backbone of local economies in South Sumatera, yet many continue to face challenges in accessing formal financial services
Inclusive Economic Growth in Nusa Tenggara Barat
Normafa Research Center was honored to deliver a keynote address at a seminar organized in partnership with local stakeholders in Nusa Tenggara Barat. The event
Publication
Why do people use P2P lending services? The role of AI literacy and green self identity
Author: Dr. Setiawan et al. (2026) The rapid growth of financial technology (FinTech) has transformed the delivery of financial services and created new opportunities to
Assessing the Impact of CSR on SMEs Sustainable Performance: The Moderating Effects of Gender Diversity and Social Capital
Author: Dr. Hossain et al. (2026) Small and medium-sized enterprises (SMEs) play a fundamental role in economic development, employment generation, and social progress, particularly in
Unlocking Circular Economy Potentials: Testing the Moderating and Mediating Roles of Cultural Diversity, Technological Innovation, and Digitalization
Author: Dr. Gariba et al. (2026) The transition toward a circular economy (CE) has become a central objective of sustainable development strategies worldwide as governments
Proactive, Reactive, or It Does Not Matter? Effects of Green Intellectual Capital on Firm Innovativeness Through Diverse CSR Approaches
Author: Dr. Rehman et al. (2026) Increasing environmental challenges, stakeholder pressure, and sustainability expectations have compelled firms to seek innovative approaches that simultaneously enhance competitiveness
Differential impact of adopting Islamic banking: A quasi-experimental approach
Author: Dr. Saleem et al. (2026) The increasing search for inclusive and sustainable economic development has renewed interest in alternative financial systems that can support
Understanding FinTech Adoption Drivers for Digital Financial Sustainability in Urban and Rural MSMEs
Author: Dr. Setiawan et al. (2026) Financial technology (FinTech) has become an important instrument for expanding financial inclusion among micro, small, and medium enterprises (MSMEs),
Our Work
Understanding FinTech Adoption for Sustainable Finance Among Indonesian Farmers
The Normafa Research Team is currently conducting a collaborative research project with academics and researchers from Indonesia, KFUPM Saudi Arabia, and the University of London
The Future of MSMEs: AI and Human Collaboration in Decision-Making
Normafa Research Center is proud to be part of an international research collaboration with distinguished scholars from Ohio University and The University of Akron, USA.
Driving Inclusive Finance Through Fintech Adoption among Rural MSMEs
Normafa Research Center, in collaboration with international scholars, is contributing to an upcoming book chapter titled Financial Inclusion in the Digital Age: Navigating Innovation and
P2P Lending Adoption: The Role of AI Literacy and Green Self-Identity in Shaping Financial Choices
Normafa Research Center is actively engaged in international research collaboration with scholars from Indonesia, Malaysia, and Hungary. The study examines the key factors influencing the
The Role of Financial Literacy and Saving Habits in Fintech Adoption Post-Covid-19
The Covid-19 pandemic reshaped how people interact with financial services, creating shifts in behavior, savings habits, and financial literacy that continue to influence Fintech adoption.
FinTech adoption drivers for innovation for SMEs in Indonesia
The rapid growth of technology and the widespread use of smartphones are transforming how people access financial services. Fintech companies continue to innovate, offering customized
What Our Partners Say
Collaboration with the Normafa Research Center transformed individual learning into a collective journey of brilliance. The environment's demanding nature-built resilience, while the diverse perspectives we brought together helped simplify complex problems.
At Normafa Research, writing became a collaborative process that sparks creativity. Varied perspectives improve ideas, transform obstacles into possibilities, and support the growth of both personal and group achievements.
I believe that Normafa Research will help me improve my overall academic writing performance, especially in structuring research papers, identifying research gaps and novelty, and developing the literature review and data analysis sections. I would also like to learn how to construct stronger arguments and ensure that my writing meets the standards of international academic writing.
To the Normafa Research Centre team, I just wanted to take a moment to express my appreciation for the incredible work you're doing. Your dedication to improving research practices and supporting researchers, students, and the global academic community is truly making a positive impact. Keep up the fantastic efforts, and I wish you continued success and growth.
