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Title: Impact of Micro-finance on Women’s Economic Empowerment A Case-Study of Amhara Credit and Saving Institution (ACSI), Kobo Woreda, Amhara National Regional State, Ethiopia.
Authors: Haimanot, Eshetu
Advisors: Dr. Gebrehiwot Ageba
Copyright: 2007
Date Added: 12-May-2008
Publisher: Addis Ababa University
Abstract: Micro-finance institutions have made significant contributions to the livelihoods of many people through the provision of financial and supporting services to the poor, especially women in rural environments. Thus, it is understood that micro-financing, as a development strategy, empowers women who were hitherto marginalized, and as such, were restricted from participating in the social, economic and political activities of their societies. This study examined the impact of Amhara Credit and Saving Institutions’ (ACSI’s) micro-financing service on women’s economic empowerment. Data was collected from a total of 171 rural women consisting of 54 Matured Clients, 33 Incoming Clients, and 26 Dropouts (ex-Clients) in ACSI program areas; and 16 and 42 non-clients in program and non-program areas respectively situated in Kobo Woreda, Amhara National Regional State. The empirical analysis of the study was conducted using both descriptive statistics and Binomial Logit regression analysis. The results of the study indicate that the micro-financing scheme has a positive impact on women’s economic empowerment as measured by the increased participation of women in household decision-making. ACSI’s program has had a positive impact on the living conditions of its clients. Compared to the Incoming clients and non-clients, matured clients of ACSI have improved their household incomes, asset possession levels, and savings habit; thereby positively affecting their ability to fully participate in household decision-making. However, the impact of improvement of the above three variables; income, asset possession and savings habit, does not significantly affect the variable “decision making on household large sales”, which was used as an indicator of women’s economic empowerment in the regression analysis. The implication of the findings is that giving women access to resources does not always mean empowering them economically, unless they can also exercise full control, and make important decisions, over their resources. Thus, beyond financial support, the contribution of micro-finance services to women’s economic empowerment should be enhanced through a combination of more effective support services of MFIs or linkages should be made with services provided by other agencies like the Woreda Women’s Affaire’ Office and other gender-focused organizations.
Description: A THESIS SUBMITTED TO THE SCHOOL OF GRADUATE STUDIES OF ADDIS ABABA UNIVERSITY IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE DEGREE OF MASTER OF SCIENCE IN ECONOMICS (Economic Policy Analysis)
URI: http://hdl.handle.net/123456789/1062
Appears in:Thesis - Economics

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