Assessing the Contribution of Village Community Bank on Household Welfare:A Case Study of Kishapu District, Shinyanga

Rutenge , Oscar Sylivery Aloys (2016) Assessing the Contribution of Village Community Bank on Household Welfare:A Case Study of Kishapu District, Shinyanga. Masters thesis, The Open University of Tanzania.

Preview

PDF - Submitted Version Download (1MB) | Preview

Abstract

This study therefore assesses the contribution of VICOBA on household welfare in Kishapu District. The study specifically aimed to, identifying the impact of VICOBA on household welfare, to examine the contribution of VICOBA in alleviation of income poverty and to determine the community‟s attitude towards VICOBA activities. The study used a cross-sectional research design to collect data from 100 respondents who were randomly selected. The respondents included 75 VICOBA members and 25 non-VICOBA members. The study also involved 6 key informants selected purposively. Primary data for this study was gathered through questionnaires, focus group discussions, observation and key informant interviews; while secondary data was obtained through document reviews. Quantitative data was analyzed using Statistical Package for the Social Science (SPSS) version 20 where frequencies and percentages were determined and qualitative data was analyzed by transcribing and making sense of the gathered information. The findings of this study reveal that, VICOBA members have accrued a lot of benefits impacting their lives positively. This study for instance witnessed and found out the way VICOBA members reduced their income poverty by accessing credits at affordable interests. Furthermore, the members have been able to create opportunities for entrepreneurship activities, social cohesion amongst one another, improve fund management at household level and minimize the burden of unnecessary loses due to family resources mortgage. The study further found out VICOBA group members improved their household welfare by educating their children, improving shelter, medication, increasing household assets and social cohesion.

Actions (login required)

View Item