Credit Access and Performance of Women Owned Business in Southern Division Kabale Municipality.

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Kabale University


The study focused on the credit access and performance of women-owned businesses in the southern division of Kabale municipality. The Study followed research objectives which were to find out the credit facilities offered by the financial institutions to women-owned businesses in the southern division of Kabale Municipality, to establish the factors limiting access to credit and business performance in the southern division of Kabale Municipality, and to determine the relationship between credit access and the performance of women-owned business in southern division Kabale Municipality. The methodology of the study was cross-sectional research design and it explored both qualitative and quantitative data. A sample size of 80 respondents was selected from women-owned businesses in the southern division. The recommendations of the study included; there should be involvement of women in decision making and be consulted on policies regarding agricultural and rural development and their ability to influence these decisions, there should be training, workshops and seminars regarding potential women groups on how they affect the society on agricultural development programmes , there should be policies introduced to ensure that all women participate in agriculture activities and policies will hopefully contribute to increasing the income and employment opportunities amongst the rural women and there should be support and alvice offered to the rural women by the government in order to develop and increase household income. the study included that, the role of rural women groups in the social-economic development of Uganda in southern division is one of the dynamic economic activities in creating socio-economic changes in southern division which has been increasingly important to empower women towards agricultural development. In the district present circumstances such as, disagreements with government concerns, poverty, lack of government concern, decision-making, and competition from indigenous groups are the major challenges facing the women groups. However different ways to mitigate the challenges were suggested and includes; sensitization of farm groups, training women groups, empowering women with leadership skills, basic planning skills, accountability and transparency as well as support from the government towards agricultural development programmes. The role of rural women groups in the socio-economic development has enriched their income savings, and empowerment. The involvement of the women in the group considerably contributes to improvement and perfection in the quality of life, social status, and confidence of the members, women groups lead and play an important role in social transformation, infrastructure building, and welfare activities. Rural Women Groups in agriculture development are one of the significant schemes through which empowerment of women, in terms of better leadership, decision making, utility, and skill gradation. Considering the huge number of poor discriminated and deprived women there is a need to encourage women to become entrepreneurs on their own. The agenda of women's groups should be to work towards the empowerment of the members and also other underprivileged poor women in society. One such institution is education which will not only help in breaking the vicious cycle of poverty and mold of ignorance of rural women but is the right path to women's social development and empowerment.




Musinguzi, Ambrose (2022). Credit Access and Performance of Women Owned Business in Southern Division Kabale Municipality. Kabale: Kabale University.