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Research Article | Volume 2 Issue 4 (Jul-Aug, 2020)
Microfinance Practices and its Impact on Women’s Socio-economic Welfare: A Case Study of Kinondoni Municipality in Dar es Salaam, Tanzania.
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Open Access
Abstract

This study was conducted in Kinondoni municipality specifically in five wards of Wazo, Bunju, Kinondoni, Kunduchi and Kawe. The central objective was to examine the impact of microfinance on socioeconomic welfare among women. The reviewed literature concentrated on women’s involvement in microfinance as well as the extent to which women are connected to poverty. The study used descriptive cross-sectional survey where data were collected at once. Researchers used closed ended questionnaire because it is the effective data collection tool for quantitative studies. The study results show that, an average of 65% of women involved in microfinance realized positive improvements such as business performance, self-esteem, saving ability, and participation in decision making. However, more than 70% average of women participating in microfinance were challenged by lack of entrepreneurship trainings, lack of alternative source of income, short loan repayment period and harassment due to loan repayment failures. It was concluded from the study findings that, provision of loans alone would not simply uplift women out of poverty. In spite of the positive results of microfinance on women’s socio-economic empowerment, the evidence has shown that those women with alternative sources of income benefited more than those whose income was dependent on microfinance, therefore other services such as entrepreneurship trainings and grace period among others would have played a significant role to uplift poor women clients out of extreme poverty if they were put available

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