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Scientific monographs

Women Empowerment Through Microfinance in Southern Ethiopia: monograph

DOI
https://doi.org/10.36074/wetmise-monograph.2022
Published
2022-10-10

Abstract

Women’s Economic Empowerment helps to ensure gender equality and the well-being of nations. When women become economically empowered and get their source of income, they ensure the family's basic needs. This research study aimed to analyze women's economic Empowerment through microfinance in rural areas on Humbo Woreda. A multi-stage sampling technique was used to obtain a sample size of 138Women households. First, cross-sectional data were collected through a semi-structured interview schedule. Second, quantitative data were collected with the help of an Interview schedule from the sample size of 138 women households. Third, the qualitative data was collected by checklist from Focus Group Discussions and Key Informants interviews.  Data were analyzed using descriptive and inferential statistics, economic empowerment index, and binary logit model. The index result showed that not-empowered women were 61.59% and empowered women were 38.4%; this indicated that women's economic empowerment status in the study area was low. The binary logit model result revealed that major factors determining women's Empowerment through microfinance in Humbo Woreda were:1 the education level of women, 2, experience in income generation activities, 3, membership experience in microfinance, 4, distance from microfinance institutions, 5, participation in training, 6, cumulative saving, 7, cumulative loan receive, 8, women working hours and 9, women’s perception towards loan risk the influenced women Empowerment through in microfinance positively and negatively at less than 1%, 5% and 10% probability level. Besides, the study also revealed that women are more disadvantaged in empowerment microfinance services. Therefore, it is recommended that existing programs and strategies be reviewed. New and appropriate policies and strategies should be designed to improve women's empowerment status in the study area. Specifically, priority programs should improve women’s education by focusing on formal and vocational schools, creating opportunities for women to earn income.

Institutional email ID drsenapathy@wsu.edu.et 

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TABLE OF CONTENTS:

PREFACE
FOREWORD
ABOUT THE AUTHORS
ACKNOWLEDGEMENTS
ABBREVIATIONS AND ACRONYMS
LIST OF TABLES
LIST OF TABLES IN APPENDICES
LIST OF FIGURES
ABSTRACT

1. INTRODUCTION
1.1. Background of the Study
1.2. Statement of the Problem
1.3. Objectives of the study
   1.3.1. General objective
   1.3.2. Specific Objectives
1.4. Research Questions
1.5. Signficance of the Study
1.6. Scope and Limitations of the Study
1.7. Organization of the Thesis

2. REVIEW OF PERTINENT LITERATURE
2.1. Definition and concepts of microfinance
   2.1.1. Empowerment
   2.1.2. Micro Finance
   2.1.3. Women Empowerment
   2.1.4. Targeting women under micro finance
   2.1.5. Omo Micro finance focus on women’s Empowerment
   2.1.6. The role of rural women socioeconomic empowerment
   2.1.7.Development of microfinance in Ethiopia
   2.1.8.Other Countries Experiences
   2.1.9.Power and Empowerment view
   2.1.10.Service and Operational modalities of Humbo woreda MFIS
   2.1.11.Empirical Literatures
   2.1.12.Conceptual framework of the study

3. METHODOLOGY
3.1. Description of Study Area
   3.1.1. Infrastructure
   3.1.2. Sampling Design
3.2. Sampling Procedure
   3.2.1. Sample Size Determination
   3.2.2. Data Type and Source
3.3. Methods of Data Collection
   3.3.1. Data Collection tools
   3.3.2. The Techniques of Data Analysis
   3.3.3. Specification of the Logit Model
   3.3.4. Detecting Multi-co-linearity
3.4. Definition of Variables
3.5. Hypothesis of the Study

4. DATA ANALYSIS AND RESULTS
4.1. Economic Empowerment Status of the Women
4.2. Descriptive result on Women's Economic Empowerment through Microfinance
   4.2.1. Demographic factors
      4.2.1.1. Age of women in years
      4.2.1.2. Education level of women
      4.2.1.3. Marital Status of respondent
      4.2.1.4. Family size in AE
      4.2.1.5. Dependency Ratio
   4.2.2. Economic Factors
      4.2.2.1. Livestock ownership in TLU
      4.2.2.2. Cumulative Saving
      4.2.2.3. Cumulative Loan Received
      4.2.2.4. Years of Experience in Participation on Income Generating Activities
   4.2.3. Social Factors
      4.2.3.1. Women’s workload hours
      4.2.3.2. Participation in Social Leadership
   4.2.4. Institutional Factors
      4.2.4.1. Extension Services
      4.2.4.2. Distance from Nearest Local Market
      4.2.4.3. Participation in trainings
      4.2.4.5. Membership Experience in Microfinance Institution
   4.2.5. Psychological Factors
      4.2.5.1. Attitude to wards Risk
4.3. Binary Logeit Regression Model
4.4. Interpretation of Econometric Results

5. CONCULUSION AND RECOMMENDATIONS
5.1. Conclusion
5.2. Recommendations

6. REFERENCES
7. APPENDICES
8. ETHIOPIA - KEY TECHNICAL TERMS
9. GLOSSARY
10. SUBJECT INDEX

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Year of publication: 2022
Language: English
Authors: Asha A., Senapathy M.
Translation: No
Translator: -

Type: E-book
Number of pages: 146
Format: PDF (9,6 MB)
ISBN: 979-8-88796-791-2
UDC: -

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