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Addis Ababa University Libraries Electronic Thesis and Dissertations: AAU-ETD! >
Institute of Developmental Research >
Thesis - Rural Livelihoods & Development >
Please use this identifier to cite or link to this item:
http://hdl.handle.net/123456789/2823
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| Title: | THE IMPLICATION OF MICROFINACE ON EMPOERING WOMEN AND SUSTAIANABLE EMPOERING WOMEN AND SUSTAIANABLE CREDIT AND SAVING SHARE COMPANY IN HITOSA WOREDA, ARSI ZONE |
| Authors: | MULETA, SHAREW |
| Advisors: | professor Getachew Yoseph |
| Keywords: | MICROFINACE
EMPOERING WOMEN
OROMIYA CREDIT
SAVING SHARE COMPANY |
| Copyright: | Jul-2008 |
| Date Added: | 8-May-2012 |
| Publisher: | AAU |
| Abstract: | The objective of this thesis is to probe the implication of OCSSCO on women’s empowerment
and sustainable livelihood in Hitosa woreda, Arsi zone, Oromiya region. Generally, microfinance
intervention programs have an explicit potential that intends to empower
women and affect their livelihoods. Nevertheless, did these microfinance programs
bring the intended contributions for and implications on empowering women and
their sustainable livelihood? Offering some possible responses to this question is the
central objective of this research. The results could have considerable significance for
academia, MFIs, to build on growing body of research on the topic and others.
The control group method was used as general approach to assess the contribution of
micro-credit programs on the lives of women in the selected woreda. Further, the
mixed method or the blending of both qualitative and quantitative methods was used.
In the qualitative method the case study, FGD, Key informant and direct observation
were used whereas in the quantitative method the household survey was used. The
later method with randomly selected 100 clients was served as supplementary to the
former. Descriptive, table and percentage techniques were used for analysis.
The role of OCSSCO is significant in terms of empowering women clients with respect to
increasing control over resources, self-esteem, respect from others, change in social position
and increased community participation. OCSSCO’s programs have enabled its clients to
build resilience against vulnerability to unintended risks and shocks and undesired livelihood
outcomes through introducing coping mechanisms such as intensification and diversification
of livelihood activities. This MFIs’ contribution for empowering women and sustainable
livelihood could also create self-sustenance for MFIs themselves. Nevertheless, microfinance
services are not still free of constraints. Indeed, they are still facing overlapping categories of
challenges that could prevent them from attaining anticipated goals in full.
The first group of challenges exists at a community or governmental level. They encompass
low infrastructure, conducive and appropriate policies, land shortage and infertility and
cultural problems. The second group of constraints exists at organizational level. They
include lack of career structure and incentive system and lack of resources. The third
category is at individual level. The challenges include inadequacy of transportation, lack of
information, low literacy, low competency, lack of hardworking and commitment, business
failure, inflexible repayment schedule and inadequacy of group lending policies, limited
products and insufficient loan size. Indeed, it could be difficult to draw a boundary to delimit
these challenges as aforesaid. Instead, they can be intermingled and amalgamated to make
huge effect on process of women’s empowerment and creating their sustainable livelihood
through microfinance services.
Therefore, economic activities are not the only vehicle for helping women to escape from
poverty and advancing gender equality and empowerment. There needs to be a combination
of activities in various spheres of women‘s life such as “Soft” service and cooperation of
three main stakeholders (government, MFIs and individual users). However, when and how
these remedial actions would be realized synergically and cooperatively remains a research
agenda in its own right. |
| URI: | http://hdl.handle.net/123456789/2823 |
| Appears in: | Thesis - Rural Livelihoods & Development
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