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Accueil du site → Master → Pays Bas → 2018 → The impact of micro finance service on women members livelihood - the case of Oromiya Rural Saving and Credit Cooperative Union in Tulubolo District of West Shewa Zone, Oromiya Ethiopia

Van Hall Larenstein University of Applied Sciences (2018)

The impact of micro finance service on women members livelihood - the case of Oromiya Rural Saving and Credit Cooperative Union in Tulubolo District of West Shewa Zone, Oromiya Ethiopia

Beneberu Eden Asfaw

Titre : The impact of micro finance service on women members livelihood - the case of Oromiya Rural Saving and Credit Cooperative Union in Tulubolo District of West Shewa Zone, Oromiya Ethiopia

Auteur : Beneberu Eden Asfaw

Université de soutenance : Van Hall Larenstein University of Applied Sciences

Grade : Master’s Degree in Management of Development Specialization Social Inclusion, Gender and youth 2018

Résumé _ A large number of poor women in different communities faced social, economic and political inequalities as they are restricted from involvement in productive activities. In order to address this issue, the government facilitated microfinance saving and credit opportunities as are unable to receive financial services from conventional financial institutions (banks). The aim of this study is to assess if the microcredit services have brought significant positive or negative change in the livelihood of women members(clients) who participated from the beginning in Oromia Saving and Credit Cooperative Union (ORSCCU). At this juncture, the research question is as follows : Did the credit provided by ORSCCU bring negative or positive change on the livelihood of women members who received credit. In this context, the change is assessed by evaluating the impact on asset ownership, gender relations in the cooperative, decision making power in household, income and saving of ORSCCU’s women members. The research question is answered through an experiment that entails administering semi-structured questionnaires to individual respondents and open-ended Focus Group Discussion checklists aimed at women members of the union.18 Individual respondents were purposely selected from regular clients of 2 primary saving & credit cooperatives based on systematic sampling method whereas the focus group discussants were selected from leaders of the client committee and regular clients as well. In the end, the responses collected were analysed using indicators and the study findings depicted that microcredit service provided to women members of ORSCCU improved livelihoods in terms of earning income as a result of participating in small-scale business which contributes to poverty reduction. It also exhibits the women’s enhanced access and control situation towards household assets (utensils, livestock & poultry production), strengthened capacity (knowledge, attitude and self-confidence), improved decision-making power of women in the household activities and saving habits transformed from tradition to formal system (bank). In a nutshell, the study recommends that the ORSCCU should provide more space to rural women in it, improve the amount of loan to be offered to its women members, to participate in the management position of ORSCCU, increase saving amount and provide experience sharing and skill training support.

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