Financial Stewardship in Non-Profit Organizations: Accountability, Sustainability, and Innovation in Resource-Constrained Contexts

Financial stewardship lies at the heart of non-profit sustainability, particularly in developing regions where funding is inconsistent and oversight is limited. This article examines how non-profit leaders can balance mission fulfillment with fiscal responsibility through adaptive planning, diversification, and transparent accountability. It discusses practical tools—rolling forecasts, priority-based budgeting, internal controls, and clear reporting—that reinforce trust and integrity. Drawing on examples from Grameen Bank, Barefoot College, and BRAC, the analysis demonstrates how innovative approaches such as community-based accountability, social enterprise models, and integrated funding portfolios sustain impact under uncertainty. The article advances both theory and practice by framing financial stewardship not merely as accounting competence but as a leadership function that connects governance, transparency, and sustainability in resource-constrained environments.