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Title: Economic Empowerment Of Poor Women Through Micro-Credit: The Case Of Promotion Of Girls Education Project In Selected Woredas Of North Wollo Zone
???metadata.dc.contributor.*???: Temesgen Ferej(Dr)
Mulugeta, Awayehu
Keywords: Promotion of Girls Education project in empowering poor women
Issue Date: Jun-2012
Publisher: Addis Ababa University
Abstract: The purpose of this study was to investigate the major achievements of Promotion of Girls Education project in empowering poor women economically through micro-credit scheme in three woredas of North Wollo Zone. It was also intended to assess the role of business skill training and major challenges in the business activities of beneficiaries. In this study, income, asset ownership, decision making role, employment creation, children education and saving were served as a measure of economic empowerment of women. In order to meet the objectives of the study, a descriptive survey design was employed which is appropriate to gather a large variety of data within the same time ji-ame. Mixed-research method was also used to capture the best of both quantitative and qualitative approaches. This method is particularly important in complementing the limitations of each method by another. Both primary as well as secondary sources of data were used in the study. Four different but complementary data collection instruments such as questionnaire, interviews, FGDs and document review were used for the purpose of collecting relevant data. Beneficiaries were selected based on simple random sampling technique. Whereas, FGD participants (beneficiaries), in-depth interview participants (coordinators and beneficiaries), semi structured participant (project manager) were selected based on purposive sampling techniques. Accordingly, a total of 196 respondents i.e. 192 benefiCiaries, 3 coordinators, and I project manager were selected for the study. Data were analyzed and interpreted using both quantitative and qualitative techniques. The data collected through questionnaires were analyzed quantitatively and percentages, mean, ji-equencies, WSRT test, T-test, and McNemar test were used. Qualitative data collected through FGDs, interviews and open ended questions were analyzed by explanation as well as i,n narrative forms. The findings of the study revealed that, significant and encouraging improvements were observed in women 's household income, asset ownership, decision making role, setj:.employment creation, saving and children education. In relation to the role business skillrraining, the study indicated that beneficiaries were benefited ji-om the training, in terms of saving habit, profit management, credit utilization and working together in group. With regard to major challenges in women's business, the study disclosed that in-adequate loan, lack of training and continuous support, problem of trading license, lack of literacy and numeracy skills and inadequate attention ji-om project personnel are the major challenges in the study area. Therefore, it is recommended that; beneficiaries should be provided with higher loans, literacy and numeracy skills should be provided, additional training, support and strict follow up should be offered, the project officials should collaborate with others, especially experts in the area of micro-credit. Generally, it is recommended that the project should work collaboratively with small and micro-finance institutions experts, micro-finance institutions, and woreda and local women affair officers.
Appears in Collections:Thesis - Educational Planning & Management

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