Costraints Facing Women Small Scale Enterprenuer In Accessing Formal Micro-Credit Case Study: Isiolo District, Kenya

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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

"

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 

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APA

ABDITUNU, T (2022). Costraints Facing Women Small Scale Enterprenuer In Accessing Formal Micro-Credit Case Study: Isiolo District, Kenya. Afribary. Retrieved from https://afribary.com/works/costraints-facing-women-small-scale-enterprenuer-in-accessing-formal-micro-credit-case-study-isiolo-district-kenya

MLA 8th

ABDITUNU, TUNU "Costraints Facing Women Small Scale Enterprenuer In Accessing Formal Micro-Credit Case Study: Isiolo District, Kenya" Afribary. Afribary, 13 Jun. 2022, https://afribary.com/works/costraints-facing-women-small-scale-enterprenuer-in-accessing-formal-micro-credit-case-study-isiolo-district-kenya. Accessed 18 Aug. 2022.

MLA7

ABDITUNU, TUNU . "Costraints Facing Women Small Scale Enterprenuer In Accessing Formal Micro-Credit Case Study: Isiolo District, Kenya". Afribary, Afribary, 13 Jun. 2022. Web. 18 Aug. 2022. < https://afribary.com/works/costraints-facing-women-small-scale-enterprenuer-in-accessing-formal-micro-credit-case-study-isiolo-district-kenya >.

Chicago

ABDITUNU, TUNU . "Costraints Facing Women Small Scale Enterprenuer In Accessing Formal Micro-Credit Case Study: Isiolo District, Kenya" Afribary (2022). Accessed August 18, 2022. https://afribary.com/works/costraints-facing-women-small-scale-enterprenuer-in-accessing-formal-micro-credit-case-study-isiolo-district-kenya