Factors Inhibiting Growth of Women Microenterprises (MES) in Tanzania

Wabanhu , Galila Ramadhani (2016) Factors Inhibiting Growth of Women Microenterprises (MES) in Tanzania. Masters thesis, The Open University of Tanzania.

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Abstract

This study aimed at examining factors that inhibiting growth of women entrepreneurship in Tanzania, with specific focuses on microenterprises in Ilala municipality. Specifically, the study had the aim of finding out the extent, to which women business ventures are growing, innovative, the effects of loans received from MFI on growth in women business venture and also identifying challenges and solutions associated with loans for business sustainability. The study was carried out in Dar es Salaam, in Temeke districts. Literature on factor inhibiting growth of women entrepreneurs in the Micro and Small enterprise was extensively reviewed. To measure the extent of factors inhibiting growth of women, several levels of factors inhibiting women growth were categorized, namely Education level, Access to finance, record keeping, Working capital management etc. To achieve the desired results, a questionnaire, interviews guides and field observations were used for data collection. The statistical Package for Social Sciences (SPSS) and content analysis were used for data analysis. The study findings revealed that women who own micro and small enterprises in Temeke Municipality do Business but the effect and role of loan played a minimal in the factors inhibiting women in these enterprises. The study recommends that women’s micro and small scale entrepreneurs who are keen on enhancing their factors inhibiting growth should seek entrepreneurial courses and further education in business so as to master the management of their enterprises. Also financial institutions need to expand on the specification type of loans introducing loan for business purposes. Furthermore payment mechanisms by financial institutions should take into consideration the type of the loan taken, collateral needed and the nature of the enterprise that took the loan while interest rate on loan should be reevaluated to lower rates.

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