Socio-economic factors affecting women accessibility to micro-credit: case study of caritas
| dc.contributor.author | Zuberi Abdallah | |
| dc.date.accessioned | 2025-12-05T08:30:04Z | |
| dc.date.available | 2025-12-05T08:30:04Z | |
| dc.date.issued | 2008 | |
| dc.description | Dissertation | |
| dc.description.abstract | The study looked at the socio-economic factors affecting accessibility of micro-credit provided by Caritas-Dar es Salaam on the lives of women who compromise the poorest in Tanzania societies. There are different views about micro-credit. Others consider it as a powerfully development tool in the lives of poor people. Others consider it too risky to be taken by people with poor resources. The puq^ose of the study was to identify socio economic factors affecting accessibility of micro-credit provided by Caritas to poor women. The study was conducted at Kibaha (Mail-Moja ward), Mlandizi, Makuburi, Mwananyamala ward, Kigamboni Centre and Kisarawe Centre. Data for the study were collected by interview, observation and review of secondary data at the mentioned locations Caritas-Dar es Salaam office respectively. The finding showed that income, sense of community towards micro-credit/microfinance institutions especially Caritas-DSM, lack of physical assets as collateral, business status, repayment period, harassment for defaulters by Caritas credit officers, religious affiliation, education level, employment status, marital status and lack of skills in micro-credit/microfinance management arc the main socio economic factors affecting accessibility of Caritas credit by women. The study observed that, despite the financial sector in Tanzania undergoing development phases, women appear to be more constrained in terms of credits accessibility attributed by social and economic reasons. To address these problems the study suggests the following; proper training in small business management skills should be provided before credit provision; close follow up to recipients to ensure that the credit received is used for strengthening or expanding viable business and not otherwise; proper mechanism to track down defaulters established in such a way that they are willing to pay their dues. | |
| dc.description.sponsorship | Kibaha Education Centre, | |
| dc.identifier.uri | https://www.suaire.sua.ac.tz/handle/20.500.14820/7167 | |
| dc.language.iso | en | |
| dc.publisher | Sokoine University of Agriculture. | |
| dc.subject | Socio-economic | |
| dc.subject | Women accessibility | |
| dc.subject | micro-credit | |
| dc.subject | Caritas | |
| dc.subject | Tanzania societies | |
| dc.title | Socio-economic factors affecting women accessibility to micro-credit: case study of caritas | |
| dc.type | Thesis |