TABLE OF CONTENTS
DECLARATION ............................................................................................ i
APPROVAL. ............. : ................................................................................... ii
DEDICATION ............................................................................................. iii
ACKNOWLEDGEMENT ................................................................................ iv
TABLE OF CONTENTS .............................................................................. v
ABSTRACT ................................................................................................ ix
CHAPTER ONE ........................................................................................ 1
GENERAL INTRODUCTION ......................................................................... 1
1.1 Introduction ...................................................................... , .................. l
1.1.1 Importance of Small Scale Enterprises ................................................ 2
.l.1.2 Women Involvement in S.S.E Sectors ................................................. 2
1.2 Statement of the problem .............................................. : ..................... 5
1.3 Pur·pose of the Study ............................................................................ 5
1.4 Objective of the Study .......................................................................... 5
1.5 Significance of the Study ...................................................................... 6
1.6 The study sought to answer following Qn. (research question) ............... 6
1. 7 Limitations of the study ....................................................................... 7
1.8 ASSUlllption .......................................................................................... 7
1. 9 Definitions ..................... . . . .. ................................................. )
1.9.1 Micro-credit ...................................................................................... 0
1.9.2 Small scale enterprises (SSE's) ........................................................... 8
CHAPTER TWO ..................................................................................... 10
LITERATURE REVIEW .............................................................................. 10
2.1 Introduction .................................................................. ., ................... 10
2.1 The illlportance of micro ueoit ................. [ ......................................... 10
2.2 Lack of access to forn1aI crC>dit.. ............... . ......................................... 11
2.3 How Women use credit ...................................................................... 14
2.4 The Kenyan Situation ......................................................................... 14
2.5 Micro lending institutions .................................................................... 16
CHAPTER THREE .. .' ............................................................................... 18
RESEARCH METHODOLOGY ..................................................................... lo
3.1 Introduction ........................................................................................ 18
3.2 Research Design ................................................................................ 18
3.3 The Population of Study ..................................................................... 18
3.4 The Sampling Frame .......................................................................... lo
3.5 Sampling size and Selection Techniques .............................................. 19
3.6 Data Collection Technique .................................................................. 19
3.6.1 Instr·umentation .............................................................................. 19
3.6.2 Data collection ................................................................................ 20
-3.7 Data analysis ..................................................................................... 21
CHAPTER FOUR ....................................................................................... 22
ANALYSIS AND INTERPRETATION OF DATA .............................................. 22
4.1 Result and discussion ........................................................................ 22
4.1 Cl1a1·acte1·istics dispiayed by tile n:'spondents ....................................... 23
4 .1.1 Age at wi1icl1 most women engage • 1 business .................................. 23
4.1.2 Education level. ............................................................................... 24
4.1.3 Reason for· operating business ....................................................... 24
4.1.4 Source of start up capital. ................................................................ _:;::,
4.2 Constraints affecting women entr·epreneur·s n accessing credit ............. 27
4.3 Difficulties overcome Dy tl1ose wI10 0Dtai11ed credit about 4 J % of tl1e
woman obtain d creoit rrom mrcro tending 111stitJtion, summary in table / .. c:::,
4.3.1 Source of micro credit information .................................................... 29
4.3.2 Interest rate ................................................................................... 29
4.3.3 Cost of obtaining credit .................................................................. 30
4.3.4 Obtaining a second micro credit ....................................................... 31
4.3.5 Difficulties in Loan repayment ................. / ........................................ 32
4.4 Use of uedit by women en(l"epreneurs ................................................ J2
4.5 Suggestion provroec ov rn2 women enn·epreneuI·s ............................... ..:..;
CHAPTER FIVE ........................................................................................ 35
SUMMARY, CONCLUSIONS /-1ND RECOMMENDATIONS ............................... 35
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LIST OF TABLES
Table 1: Age at wl1ich most womell ellgage ill business ............................. 23
Table 2: Education level in womell ill business .......................................... 24
Table 3 four reason for staring business .................................................... 25
Table 4: Source of start up capital ........................................ : ................... 26
Table 5: Age of business.................... .. ................... 26
Table 6: reasons for not obtaining credit .................................................. 27
Table 7: const1·aints overcome by the respondent who obtained credit.. ...... 28
Table 8: Source of micrn cre•jit ................................................................. 29
Table 9: pe1-ception ot ime1·est I·ate iw women trade1·s .............................. 30
Table 10: Cost of obtaining credit ............................................................. 30
Table 11: Requirements for· obtailling second credit.. ................................. 31
Table 12: Credit -Jse by women enn-eprelleurs .......................................... :n
