The Impact of Microcredit on Livelihood Improvement of Women in Muhanga District, Rwanda.

Ndayambaje, Felix (2025) The Impact of Microcredit on Livelihood Improvement of Women in Muhanga District, Rwanda. Masters thesis, The Open University of Tanzania.

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Abstract

The study entitled “the impact of microcredit on livelihood improvement of women in Muhanga district, Rwanda” was conducted for assessing the validity of seven specific objectives such as to assess the impact of microcredit on women income, asset acquisition, productivity, business capital, health and education, number of meals and house building or maintenance. The sample size was 309 women beneficiaries of CLECAM EJOHEZA Plc microcredits who were randomly and systematically selected out of 1349 of total population. The study used primary data which were collected using structured questionnaire and entered in SPSS version 20. The study results revealed a positive correlation between loan size borrowed and increase of all tested indicators namely women income, value of assets, overall production, business capital, number and quality of meals, and house construction or maintenance, and improved education fees and health services. But on the other hand, there is a negative correlation between loan size and crops production. In summary, microcredits have a positive impact on women’s livelihoods in Muhanga district, fostering economic empowerment, livelihood enhancement, and poverty reduction. The study concludes that there is a significant impact of microcredit on women livelihood improvement in Muhanga district. The study recommends policy makers set loans provisions with suitable conditions and increase partnership between the government, microfinance institutions and the private sector. Keywords: Impact of Microcredit; Livelihood Improvement, Rwanda

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