Factors influencing Poverty Alleviation among Women Credit Beneficiaries in Tanzania

Abstract

Many credit schemes in Tanzania channel their funds to women with the objective of alleviating poverty among them. Despite this, majority of women in the country continue to wallow in poverty. The present research was carried out among the Foundation for International Community Assistance’s women credit beneficiaries in Mwanza. The study set out to address the following objectives: to analyze the influence of the husband’s cooperation, relevant training and interest rate on poverty alleviation among women credit beneficiaries in Tanzania taking Foundation for International Community Assistance in Mwanza as a case study. Using simple regression model, results showed that cooperation from the husband as well as relevant training influences poverty alleviation among women credit beneficiaries in Tanzania by 56 and 36 percent respectively. But interest rate was found to have no significant influence at all. The paper recommends that seminars be conducted so that husbands can be taught the importance of cooperating with their wives. Above all giving training to women credit beneficiaries will go a long way in sharpening their business skills. Future researchers should research on laziness and complacency among women credit beneficiaries and the influence on poverty.  

Keywords: {'name': 'poverty'}, {'name': 'alleviation'}, {'name': 'women'}, {'name': 'Tanzania'}, {'name': 'credit'}

Authors & affiliations

Samuel Nyambega Nyang'au
Affiliation not supplied

Valina Nyamwinuka
Affiliation not supplied

Deposited references

Supplied references, not a list of publications citing this article.

DOI: 10.1111/j.1759-5436.1995.mp26003007.x

Altay, A. (2007). The Challenges for Global Women Poverty: Microfinance or microcredit as a solution for Women Poverty in Turkey. International Conference on Globalisation and its Discontents, Cortland

Batliwala, S. (1983). Women in Poverty. A paper presented at the Urban and Poverty Workshop held at the Centre for Social Studies, Calcutta India, 1983.

DOI: 10.1016/S0973-0826(08)60363-4

DOI: 10.1596/17862

Borchgrevink, A., Tassew, W., Gebrehiwot, A. and Woldeab, T. (2005) .Marginalised Groups, Credit and Empowerment: The case of Dedebit Credit and Saving Institution of Tigray. Occasional Paper No.14, Addis Ababa, Ethiopia.

DOI: 10.3923/jeth.2010.1.8

Gobezie, G. (2010). Employment of Women in Rural Ethiopia. A Review of two Microfinance Models”.PRAXIS, the Fletcher Journal of Human Security, 25

Holvoet, N. (2006). The Differential Impact on Gender Relations of Transformatory and Instrumentalist Women’s Group Intermediation in Microfinance Schemes: A Case Study of Rural South India. Journal of International Women’s Studies 7(4), 36-50.

IFPRI (2001). Empowering Women to achieve Food Security. A 2020 Vision for Food, Agriculture and the Environment. International Food Policy Research Institute Policy Brief2, Washington D.C: USA.

ILO (2008). Factors Affecting Women Entrepreneurs in Micro and Small Enterprises in Kenya. A Programme on Boosting Employment through Small Enterprise Development. Job Creation and Enterprise Department, Skills and Employability Department, ILO Regional Office for Africa Primary Research Report.

ILO (2012). Project on Economic Empowerment HIV Vulnerability Reduction along Transport Corridors in Southern Africa: Corridor Economic Empowerment Innovative Fund Concept and Design. International Labour Organisation, Genava.

Irobi, N.C. (2008). Microfinance and Poverty Alleviation: A Case Study of Obazu Women Association, Mbieri, Imo State, Nigeria. A Master’s Thesis Submitted to the Department of Economics, Sveriges lantbruks Universitet, Uppsala, Sweden.

DOI: 10.3329/jbau.v6i2.4842

DOI: 10.1016/S0305-750X(00)00081-4

Kaganda, C.P. (1991). Towards an Efficient System of Financing Small Cooperatives in Tanzania. Unpublished Research Report submitted to OSSREA, Ethiopia.

Kashuliza, V. (1992). Agricultural Credit in Tanzania: Policy and Operational Problems of CRDB. Quarterly Review No.4.

DOI: 10.2307/485558

Lakwo, F. (2006). Microfinance, Rural livelihoods and Women’s Empowerment in Uganda. Research Report 85, African Studies Centre, Leiden.

Mayoux, L., and Varg (2008). Women Ending Poverty in Nepal: Empowerment through Literacy, Banking and Business. Pact Empowerment Program, U.K.

OikoCredit (2009). Women’s Employment: Comparing Concepts and Assessing Implications for Microfinance A study Commissioned by OikoCredit, Amersfoort, Netherlands.

Parvin, G.A., Ahsan, S.M.R., and Choudhary, M.R. (2004). Women Empowerment Performance of Income Generating Activities Supported by Rural Employment Project (RWECP): A Case Study of Dumuria, Thana, Bangladesh, The Journal of Geo-environment, 4, 47-62

Rahman, R. (1986). Impact of Grameen Bank on the situation of poor rural women. Grameen Bank Evaluation Project Working paper No.I, Dhaka, IDS/Rural Dev. Division.

Udoh, A. J. (1995). Personal, Socio-Economic and infrastructural indices for Poverty Alleviation in AkwaIbom State of Nigeria. South-South Journal of Culture and Development, 1(2), 110-117.