The impact of micro-financing on empowering women, the case of Kinondoni and Ilala districts

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University of Dar es Salaam
The objective of this study was to ascertain the impact of MFIs in the process of empowering women. The intended beneficiary school of thought was mainly emphasised, however few aspects of intermediary school were taken into consideration just to have a glance look at sustainability and viability of MFIs. The major findings were found not to be consistent from one aspect of ernpowerment to another. Those aspects of social orientation and those intended to measure as to what extent beneficiaries perceived as being empowered were highly positive achieved. However when it comes to quantitative economic indicators such as sales, there was no significant statistical support to conclude that sales means were different compared to prior joining programmes. A positive change was observed in the aspect of respondents' enterprises ability to create employment; however the quality of that labour in terms of education and possession of other skills was observed to be relatively lower. This study does not dispute the role of MFIs in empowering the economically disadvantaged group; rather it put forward some recommendations that may enhance the noble course of empowering the marginalized people. The recommendations directly touch the operation of MFIs. Sorne of them are, such as increasing the size of the minimum or rather initial loan, extending the repayment period for repaying first instalment. The importance of MFIs diversifying and introducing new services as a strategy to a more sustainable and viable operation was also highlighted.
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Women, Economic condition, Social conditions, Women in community development, Tanzania
Thomas, H. (2001) The impact of micro-financing on empowering women, the case of Kinondoni and Ilala districts, Masters’ dissertation, University of Dar es Salaam. Available at (