The role and effects of micro finance institutions loan on women micro and small enterprises”: A Case Study of women micro enterprises in Kigoma, Tanzania

Kanoni, Restituta (2015) The role and effects of micro finance institutions loan on women micro and small enterprises”: A Case Study of women micro enterprises in Kigoma, Tanzania. Masters thesis, The Open University Of Tanzania.

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Abstract

The objective of this study is to assess the role and effects of microfinance loans on improvement of women micro and small enterprises. Specifically, the study had the aim of finding out the effectiveness of loans from Microfinance Institutions to the improvement of Micro and Small enterprises. The study was carried out in Kigoma Municipality, with the specific focus on women who obtain loans for their (women) Micro and small enterprises from FINCA, SACCOS, PRIDE, NMB, and Microfinance Institution’s services at Mwandiga, Nazareth, Mwanga Sokoni wards. Indeed, the study involved 100 respondents including the interviewed Microfinance Institutions’ officials and those women entrepreneurs who filled the questionnaires. To achieve the desired results, a questionnaire, interviews guides and field observations were used for data collection. The statistical Package for Social Sciences version 16 (SPSS) and content analysis was used for data analysis. The study findings revealed that majority of BRAC, PRIDE, FINCA and SACCOSS clients (97%) know the importance of saving and investing. 100% of Microfinance officials affirmed that, the popular kind of innovation activities that is performed is more of adoption and modification than that of introducing completely new products and ways of productions. The study recommends that women’s micro and small scale entrepreneurs who are keen on enhancing their innovativeness should seek entrepreneurial courses and further education in business so as to master the management of their enterprises.

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