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St. Paul’s University (2020)

Women-headed household’s barriers to accessing credit from micro finance institutions in Kiambaa constituency, Kiambu county Kenya

Ndung’u, Jane Wanjiku

Titre : Women-headed household’s barriers to accessing credit from micro finance institutions in Kiambaa constituency, Kiambu county Kenya

Auteur : Ndung’u, Jane Wanjiku

Université de soutenance : St. Paul’s University

Grade : Masters in Development Studies (MDS) 2020

Résumé
The society is characterized by gender inequalities which have remained barriers in poverty reduction. Despite efforts by governments and financial institutions sympathetic to women’s plight, evidence of extreme poverty is still rampant. For that matter, the financial benefits often go to the males while the female relatively remains poor and without access. Ordinarily, universal access to microfinance would be one of the most effective factors contributing to guaranteed reduction in the troubling gender inequality in the development process. However female- headed households are excluded from employing microfinance products mostly because of their relatively low- income levels, and also their lack of collateral. The purpose of this study was to investigate the effort by the women household heads in accessing credit from microfinance institutions in Kiambaa constituency, Kiambu county Kenya. The specific objectives of the study were to : Analyze the barriers preventing WHHs from accessing credit, determine the effort by WHHs in accessing credit and evaluate available information for WHHs in accessing credit from microfinance institutions in Kiambaa Constituency, Kiambu County in Kenya. A descriptive survey research design was used and a representative sample of 366 was obtained from a population of 1218.The response rate was 87%.The researcher employed questionnaires as the main tool of data collection and focus group discussions. Data was analyzed using SPSS version 25 for descriptive analysis that is frequencies that are presented in form of tables, charts and graphs for easy interpretation. The study established that barriers WHHs have in accessing credit from MFIs which can be addressed by increasing women’s ability to access loans, doing more training, have self-help group that will help them fight illiteracy. They should have the ability to access loan from the banks with an intention to grow financially without facing more capital financial strains. The study also established that the efforts in accessing credit from MFIs, as stated by the majority of respondents, women would benefit from trainings that play a great role in reducing illiteracy among women who want to invest more and borrow more from microfinance institutions. The study also established that, availing adequate information from the banks, MFIs, brochures and Sacco meetings, WHHs are able to access available information that is beneficial to them. Therefore the study concluded that based on the efforts to be put in place in order to empower women head’s in accessing credit from microfinance institutions, there is need to encourage them to engage in trainings to gather more knowledge on laws and policies and evaluating available information on entrepreneurship to reduce financial illiteracy level. The study recommends that some of the best practices that can be adopted by WHHs in accessing credit are to improve their quality through trainings and produce skillful and educated women of all ages who are able to understand issues related to financial products and services.

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