Women development credit facility fund and poverty reduction: case of women in Morogoro rural district .
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Date
2006
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Publisher
Sokoine University of Agriculture
Abstract
This study aimed to assess the contribution of Women Development Fund credit facility to poverty reduction in Morogoro rural district. The specific objectives of were to: examine the access to WDF credit facility; assess performance of income generating activities supported by Women Development Fund; assess repayment and default rales; assess the contribution of credit to reduce poverty in terms of income and food security. A cross sectional research design was adopted involving 120 respondents, where 60 were credit recipients of WDF and the other 60 were non-credit recipients. Multistage simple random sampling technique was used to select wards, while simple random sampling was adopted to select the respondents. Data were collected using structured questionnaire. .Cross tabulations and t-test methods were used to analyze data. The study revealed that incomeĀ generating activities were performed by people of all ages but the largest age category was that of active and economically productive (18-45) years with low education level. The study identified the type micro-enterprises operated were retail stalls 'genge' food venders, dried maize selling, selling of used clothes ^mitu^nba, charcoal and fire wood selling, farming and selling of soft drinks which were undertaken as source of employment and income to sustain life. The findings indicated that income-generating activities were started using mean initial capital of 9 518 Tshs, which changed significantly to mean capital of 43 567 Tshs two years after obtaining credit. The study revealed that the respondents earned mean income of 6 075 Tshs before credit, which changed significantly to mean income of 18 283 Tshs per week two years after receiving credit. Result findings showed that most of the income accrued from the enterprises were used for household consumption and purchasing some household assets. These findings revealed that respondents acquired mean asset value of 69 993 Tshs before receiving credit, which
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changed significantly to 178 118 Tshs two years after credit. Study findings revealed that credit were always in short supply and business training was a limiting factor to do better. The study recommended that women who operate micro-enterprises for income generation need to have certain fundamental training so as to run profitably.
Description
DIssertation
Keywords
Women Development, Credit Facility Fund, Poverty Reduction, Women, Morogoro, Rural District