The Impact of Micro-Finance Institutions On the Welfare of Women in Uganda. A Case Study of Kalerwe Market Ka Wempe Division

Contents

DECLARATION .......................................................................................................... i

\PPROVAL ...................... . . ..................................... !i

DEDICATION ........................................................................................................... iii

ACKNOWLEDGEiv1ENT ........................................................................................... iv

LIST OF ACRONYMS ................................................................................................ v

TABLE OF CONTENTS ............................................................................................ vi

LIST OF TABLES ...................................................................................................... ix

ABSTRACT ................................................................................................................ X

CJIAPTER ONE ........................................................................................................ I

1.0 Introduction ........................................................................................................... I

1.1 Background of the study ........................................................................................ 2

1.2 Statement of the problem ...................................................................................... 5

1.3 purpose of the study .............................................................................................. 6

I .3.1 Objectives of the study ...................................................................................... 6

I .4 Research questions ................................................................................................ 6

1.41 Hypothesis .......................................................................................................... 7

1.5 Scope of the study ............................................................................................. 7

1.6 Geographic scope .................................................................................................. 7

1.7. Significance ofthe study .................................................................................... 8

CHAPTER TWO ...................................................................................................... 10

LITERATURE REVIEW .......................................................................................... lO

2.0 Introduction .......................................................................................................... 10

2.1 Savings as safety net for the Poor ......................................................................... !!

2.2 The effect of Microfinance Services on women welfare in Uganda ........................ 13

2.3 The low level of women empowerment in Uganda despite increase in microfinance

servicestargeting women ............................................................................................ 16

VI

2.4 The Correlation between microfinance and Women empowerment in Uganda ........ 20

CHAPTER TIIREE .................................................................................................. 23

METI-IODOLOGY .................................................................................................... 23

3.0 Introduction .......................................................................................................... 23

3.1 Research Design ................................................................................................... 23

3.2 Study Population .................................................................................................. 23

3.3 Sample Size and Selection .................................................................................... 24

3.4 Methods of Data Collection .................................................................................. 24

3.5 Intervievvs ............................................................................................................ 25

..).). uest1onna1re .................................................................................................... -) ..., ~I Q · · r

3.5.2 Observation ....................................................................................................... 25

3.5.3 Data Analysis .................................................................................................... 26

3.6 Ethical Consideration ........................................................................................... 26

3.7 Lin1itation ............................................................................................................ 27

CHAPTER FO UI~ ..................................................................................................... 28

PRESENTATION OF THE FINDINGS AND ANALYSIS ....................................... 28

4.0 Introduction .......................................................................................................... 28

4.1 Background information ....................................................................................... 28

4.1.1. Findings on Sex of Respondents ................................................................. 28

4.1.2 Findings on Age Bracket of Respondents ................................................. 29

4.1.3 Findings on Education Levels ............................................................................ 29

4.1.4 Findings on Marital Status ................................................................................. 30

4.1.5 Findings on Working Experience of Respondents ............................................................... 30

4.1 .6 Department of respondent. ................................................................................. 31

4.2 Identification of the micro finance service offered to women in Uganda ................ ] I

4.3. If yes, bellow is some of the roles provided by credit institutions that are

provided by the organization to the welfare ofwomen in Uganda .............................. 31

4.4. Explaining how the economic status of women who have accessed microfinance

services ...................................................................................................................... 32

VII

4.5. Advice to customers ............................................................................................ 33

4.5.1. The advice given concerning those roles ........................................................... 33

4.6 The challenges faced by MFls in serving welfare of women in Kalerwe market. .... 34

4.7 The mitigating measures to the challenges faced by microfinance institutions in

their service delivery to the welfare of women ............................................................ 34

4.8 Findings on how the Micro credit loans have encouraged the performance of the

welfare of women in Kalerwe market businesses ......................................................... 36

Cl-IAP'fER FIVE ...................................................................................................... 37

SUMMARY OF FINDINGS, CONCLUSIONS AND RECOMMENDATIONS ........ 37

5.0 Introduction .......................................................................................................... 37

5.1 The role of MFI management to the welfare of women in Kalerwe market. ............ 37

5.2 Limitations of the MFI in serving the welfare of women in Kalerwe market .......... 37

5.3 Mitigating measures to overcome the challenges faced by MFI in serving welfare of

\VOtnen ....................................................................................................................... 38

5.4 Conclusions .......................................................................................................... 38

5.5 Recotntnendations ................................................................................................ 39

5.5.1 Recommendation on the role of MFI to the welfare of women ............................ 39

5.5.2 Recommendations on the challenges faced by MF!s in serving women in Kalelwe

tnarket. ....................................................................................................................... 40

5.5.3 Recommendation on the measures to the challenges faced by microfinance

institutions in their service delivery to the welfare of women in Kalerwe market. ........ 40

5.6 Areas for further research ..................................................................................... 41

REFERENCES ........................................................................................................... 42

APPENDICES ............................................................................................................ 45

APPENDIX 1: QUESTIONNAIRES ........................................................................... .45

APPENDIX II: WORK PLAN .................................................................................... 49

APPENDIX Ill: BUDGET .......................................................................................... 50