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THE IMPACT OF MICROFINANCE ON WOMEN EMPOWERMENT IN GHANA
ABSTRACT
The main objective of microfinance scheme or programme is to provide opportunity for
the poor to access financial services in order to engage in income generating activities.
This as it were, would lead to economic empowerment of the poor women who are
deprived of the paid jobs.
However, there has been a debate in recent times on whether these MFIs really provide
the opportunity for women who forms majority of the poor all over the world to assess
financial services thereby improving their welfare.
The study therefore sought to assess whether products of MFIs have really contributed to
the growth or otherwise of women entrepreneurs thereby empowering them
economically. Simple random sampling techniques were employed in selecting the
sample. The main research instruments used in the study were structured questionnaire
and interview.
The study revealed that even though MFIs have to some extent empowered rural women
economically, its full benefit is yet to be realized by these women due to its high interest
rate, inflexible payment schedule, group formation etc.
It is therefore recommended that the interest rate should be reduced and be made known
to the customers. And to make repayment flexible it is recommended that repayment be
made in such a way that trusted members are given a payment per month instead of the
two weeks payment. Again MFIs should continue to organize training programme for the
women entrepreneurs. They should also embark on educational programmes on
microfinance product. This would offer the client the opportunity to be familiar with the
operations of MFIs.
Title page- – – – – – – – – i
Approval page – – – – – – – -ii
Dedication – – – – – – – – -iii
Acknowledgement – – – – – – – -iv
Abstract – – – – – – – – – -v
Table of content – – – – – – – -vi
CHAPTER ONE
INTRODUCTION – – – – – – – -1
1.0 Background of the study – – – – -1
1.1 Statement of the problem – – – – -5
1.2 Purpose of the study – – – – – -6
1.3 Significance of the study – – – – -8
1.4 Research questions – – – – – -9
1.5 Scope of the study – – – – – – -10
CHAPTER TWO
LITERATURE REVIEW – – – – – – -11
CHAPTER THREE
Research methodology – – – – – – -39
Design of study – – – – – – – -40
CHAPTER FOUR
Presentation, analysis and interpretation of data – -48
CHAPTER FIVE
Summary of findings – – – – – – -60
Conclusion – – – – – – – – -61
Recommendations – – – – – – – -62
Suggestions for further research – – – – -64
References – – – – – – – – -65
Appendix I – – – – — – – – -68
Questionnaire. – – – – – – – -69
