Contents
DECLARATION .......................................................................................................... i
\PPROVAL ...................... . . ..................................... !i
DEDICATION ........................................................................................................... iii
ACKNOWLEDGEiv1ENT ........................................................................................... iv
LIST OF ACRONYMS ................................................................................................ v
TABLE OF CONTENTS ............................................................................................ vi
LIST OF TABLES ...................................................................................................... ix
ABSTRACT ................................................................................................................ X
CJIAPTER ONE ........................................................................................................ I
1.0 Introduction ........................................................................................................... I
1.1 Background of the study ........................................................................................ 2
1.2 Statement of the problem ...................................................................................... 5
1.3 purpose of the study .............................................................................................. 6
I .3.1 Objectives of the study ...................................................................................... 6
I .4 Research questions ................................................................................................ 6
1.41 Hypothesis .......................................................................................................... 7
1.5 Scope of the study ............................................................................................. 7
1.6 Geographic scope .................................................................................................. 7
1.7. Significance ofthe study .................................................................................... 8
CHAPTER TWO ...................................................................................................... 10
LITERATURE REVIEW .......................................................................................... lO
2.0 Introduction .......................................................................................................... 10
2.1 Savings as safety net for the Poor ......................................................................... !!
2.2 The effect of Microfinance Services on women welfare in Uganda ........................ 13
2.3 The low level of women empowerment in Uganda despite increase in microfinance
servicestargeting women ............................................................................................ 16
VI
2.4 The Correlation between microfinance and Women empowerment in Uganda ........ 20
CHAPTER TIIREE .................................................................................................. 23
METI-IODOLOGY .................................................................................................... 23
3.0 Introduction .......................................................................................................... 23
3.1 Research Design ................................................................................................... 23
3.2 Study Population .................................................................................................. 23
3.3 Sample Size and Selection .................................................................................... 24
3.4 Methods of Data Collection .................................................................................. 24
3.5 Intervievvs ............................................................................................................ 25
..).). uest1onna1re .................................................................................................... -) ..., ~I Q · · r
3.5.2 Observation ....................................................................................................... 25
3.5.3 Data Analysis .................................................................................................... 26
3.6 Ethical Consideration ........................................................................................... 26
3.7 Lin1itation ............................................................................................................ 27
CHAPTER FO UI~ ..................................................................................................... 28
PRESENTATION OF THE FINDINGS AND ANALYSIS ....................................... 28
4.0 Introduction .......................................................................................................... 28
4.1 Background information ....................................................................................... 28
4.1.1. Findings on Sex of Respondents ................................................................. 28
4.1.2 Findings on Age Bracket of Respondents ................................................. 29
4.1.3 Findings on Education Levels ............................................................................ 29
4.1.4 Findings on Marital Status ................................................................................. 30
4.1.5 Findings on Working Experience of Respondents ............................................................... 30
4.1 .6 Department of respondent. ................................................................................. 31
4.2 Identification of the micro finance service offered to women in Uganda ................ ] I
4.3. If yes, bellow is some of the roles provided by credit institutions that are
provided by the organization to the welfare ofwomen in Uganda .............................. 31
4.4. Explaining how the economic status of women who have accessed microfinance
services ...................................................................................................................... 32
VII
4.5. Advice to customers ............................................................................................ 33
4.5.1. The advice given concerning those roles ........................................................... 33
4.6 The challenges faced by MFls in serving welfare of women in Kalerwe market. .... 34
4.7 The mitigating measures to the challenges faced by microfinance institutions in
their service delivery to the welfare of women ............................................................ 34
4.8 Findings on how the Micro credit loans have encouraged the performance of the
welfare of women in Kalerwe market businesses ......................................................... 36
Cl-IAP'fER FIVE ...................................................................................................... 37
SUMMARY OF FINDINGS, CONCLUSIONS AND RECOMMENDATIONS ........ 37
5.0 Introduction .......................................................................................................... 37
5.1 The role of MFI management to the welfare of women in Kalerwe market. ............ 37
5.2 Limitations of the MFI in serving the welfare of women in Kalerwe market .......... 37
5.3 Mitigating measures to overcome the challenges faced by MFI in serving welfare of
\VOtnen ....................................................................................................................... 38
5.4 Conclusions .......................................................................................................... 38
5.5 Recotntnendations ................................................................................................ 39
5.5.1 Recommendation on the role of MFI to the welfare of women ............................ 39
5.5.2 Recommendations on the challenges faced by MF!s in serving women in Kalelwe
tnarket. ....................................................................................................................... 40
5.5.3 Recommendation on the measures to the challenges faced by microfinance
institutions in their service delivery to the welfare of women in Kalerwe market. ........ 40
5.6 Areas for further research ..................................................................................... 41
REFERENCES ........................................................................................................... 42
APPENDICES ............................................................................................................ 45
APPENDIX 1: QUESTIONNAIRES ........................................................................... .45
APPENDIX II: WORK PLAN .................................................................................... 49
APPENDIX Ill: BUDGET .......................................................................................... 50
ABSTRACT The study aimed at the impact of micro-finance institutions on the welfare of women in Uganda. The purpose of the study was to establish the impact of micro-finance institutions on the welfare of women in Uganda Case of Kalerwe Market. The study aimed at existing literature on impact of micro-finance institutions on the welfare of women in Uganda of MFI specifically deals with dependent and independent variables and influence on credit management that has caused to performance of microfinance, this is done basing on the objectives of the study. This part also discusses on what other scholars have written concerning on credit management and performance of microfinance researchers view on the topic as influenced by other authors. Data was analyzed using tables and after cleaning, the data the researcher entered it into the computer for further analysis to present various and figures which were used to demonstrate information for easy understanding , through these procedures the study found the relationship between credit management and profitability of microfinance for that matter the objectives of credit management found out that Kalerwe market on microfinance properly manages its credit extended to their customers through proper credit analysis and using experienced labor to analyze the ability of borrowers to pay back and the profitability of microfinance was promising, and findings of the study were organized in light of researcher. In conclusion the findings confirmed that there is a relationship between credit management and performance of microfinance to the women, the recommendation that have resulted from this study for example should maintain some of their required terms and conditions and train staff in the loan departments to reduce bureaucracy. They should also simplify the banks credit policies understanding and consider the interest rates charges to client and this enables them to pay tn time.
