Challenges Facing Women Entrepreneurs Using Village Community Bank: A of Case of Mbagala Ward, Temeke Municipal.

Twamgabo, Mary Innocent (2016) Challenges Facing Women Entrepreneurs Using Village Community Bank: A of Case of Mbagala Ward, Temeke Municipal. Masters thesis, The Open University of Tanzania.

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Abstract

Village Community Banks (VICOBA) plays an important role of enabling the poor to save and access credit. This study aimed to identify problems being faced by women entrepreneurs in village community bank; explore challenge in accessing loan form financial institution; examine the income generating activities in relations to economic growth of village community bank’s women entrepreneur. Basically three objectives were test and the study reveals that the community of Mbagala ward faced the challenge of poor income generation activities and lack of prime space, also it is easy to access loan but there is no availability of financial services that provide load at low interest and many people receive low income at household level. The study used a combination of probability and non-probability to select 90 respondents of VICOBA groups and non-VICOBA members within the study area. Primary data ware collected using interviewing through questionnaire, observation, focus group discussions and key informant interviews. Quantitative data were analyzed using SPSS where means, frequencies and percentages were determined. The finding also show that this problem can be trickled-down by self saving techniques that have to be done in VICOBA project where small VICOBA can join and formulate a strong VICOBA where community can make saving which the profit obtained will be used to improve their income generation activities and the study generalised that there is a need assisting VICOBA group members to tackle the problem of inadequate entrepreneurship skills by conducting training sessions to VICOBA group leaders and group members in inceresing their income generetion and thereafter ineffective use of their resources.

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