Microcredit and Its Impact on Women’s Empowerment: Some Evidence from Moshi, Tanzania

Christopher Mtamakaya; Damian Jeremia; Sia Msuya; Babill Stray-Pedersen

doi:doi:10.11648/j.sjbm.20180603.11

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Microcredit and Its Impact on Women’s Empowerment: Some Evidence from Moshi, Tanzania

Christopher Mtamakaya, Damian Jeremia, Sia Msuya, Babill Stray-Pedersen

Published in Science Journal of Business and Management (Volume 6, Issue 3)

Received: 30 September 2018 Accepted: 25 October 2018 Published: 30 November 2018

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Abstract

In Tanzania patriarchy prevails and women continue to be relatively disadvantaged compared to men. As a result women position is low, are poorer, have low education and lack self-esteem. Microcredit has shown to be an effective tool for combating these diseases of the poor, but unlike other developing countries its potential has not been fully explored in Tanzania. This population based cross sectional study explores the impact of microcredit programs participation on women’s empowerment. Logistic regression was done to examine association between participation and indicators of women empowerment. Crude and adjusted odds ratios, P-values and 95% CI were computed to show the association. A total of 900 non elderly women were enrolled, participation was found to be significantly associated with age (p<0.001), level of income (p<0.001) and number of living children (p<0.002). Majority of the study participants had primary education (85.1%) and unemployed (92.1%). Low income earners were 40.2%, program participants were 38% mostly in middle level income group (57.7%). Logistic regression to 18 empowerment indicators revealed a significant association at 5% level between program participation and empowerment. We demonstrated a positive association and concluded the strategy travels well and can empower women in Tanzania. However, efforts are needed to make the programs reach the most disadvantaged.

Published in	Science Journal of Business and Management (Volume 6, Issue 3)
DOI	10.11648/j.sjbm.20180603.11
Page(s)	66-73
Creative Commons	This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.
Copyright	Copyright © The Author(s), 2018. Published by Science Publishing Group

Keywords

Microcredit, Microfinance, Women Empowerment

References

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Christopher Mtamakaya, Damian Jeremia, Sia Msuya, Babill Stray-Pedersen. (2018). Microcredit and Its Impact on Women’s Empowerment: Some Evidence from Moshi, Tanzania. Science Journal of Business and Management, 6(3), 66-73. https://doi.org/10.11648/j.sjbm.20180603.11

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ACS Style

Christopher Mtamakaya; Damian Jeremia; Sia Msuya; Babill Stray-Pedersen. Microcredit and Its Impact on Women’s Empowerment: Some Evidence from Moshi, Tanzania. Sci. J. Bus. Manag. 2018, 6(3), 66-73. doi: 10.11648/j.sjbm.20180603.11

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AMA Style

Christopher Mtamakaya, Damian Jeremia, Sia Msuya, Babill Stray-Pedersen. Microcredit and Its Impact on Women’s Empowerment: Some Evidence from Moshi, Tanzania. Sci J Bus Manag. 2018;6(3):66-73. doi: 10.11648/j.sjbm.20180603.11

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@article{10.11648/j.sjbm.20180603.11,
  author = {Christopher Mtamakaya and Damian Jeremia and Sia Msuya and Babill Stray-Pedersen},
  title = {Microcredit and Its Impact on Women’s Empowerment: Some Evidence from Moshi, Tanzania},
  journal = {Science Journal of Business and Management},
  volume = {6},
  number = {3},
  pages = {66-73},
  doi = {10.11648/j.sjbm.20180603.11},
  url = {https://doi.org/10.11648/j.sjbm.20180603.11},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.sjbm.20180603.11},
  abstract = {In Tanzania patriarchy prevails and women continue to be relatively disadvantaged compared to men. As a result women position is low, are poorer, have low education and lack self-esteem. Microcredit has shown to be an effective tool for combating these diseases of the poor, but unlike other developing countries its potential has not been fully explored in Tanzania. This population based cross sectional study explores the impact of microcredit programs participation on women’s empowerment. Logistic regression was done to examine association between participation and indicators of women empowerment. Crude and adjusted odds ratios, P-values and 95% CI were computed to show the association. A total of 900 non elderly women were enrolled, participation was found to be significantly associated with age (p<0.001), level of income (p<0.001) and number of living children (p<0.002). Majority of the study participants had primary education (85.1%) and unemployed (92.1%). Low income earners were 40.2%, program participants were 38% mostly in middle level income group (57.7%). Logistic regression to 18 empowerment indicators revealed a significant association at 5% level between program participation and empowerment. We demonstrated a positive association and concluded the strategy travels well and can empower women in Tanzania. However, efforts are needed to make the programs reach the most disadvantaged.},
 year = {2018}
}

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TY - JOUR
T1 - Microcredit and Its Impact on Women’s Empowerment: Some Evidence from Moshi, Tanzania
AU - Christopher Mtamakaya
AU - Damian Jeremia
AU - Sia Msuya
AU - Babill Stray-Pedersen
Y1 - 2018/11/30
PY - 2018
N1 - https://doi.org/10.11648/j.sjbm.20180603.11
DO - 10.11648/j.sjbm.20180603.11
T2 - Science Journal of Business and Management
JF - Science Journal of Business and Management
JO - Science Journal of Business and Management
SP - 66
EP - 73
PB - Science Publishing Group
SN - 2331-0634
UR - https://doi.org/10.11648/j.sjbm.20180603.11
AB - In Tanzania patriarchy prevails and women continue to be relatively disadvantaged compared to men. As a result women position is low, are poorer, have low education and lack self-esteem. Microcredit has shown to be an effective tool for combating these diseases of the poor, but unlike other developing countries its potential has not been fully explored in Tanzania. This population based cross sectional study explores the impact of microcredit programs participation on women’s empowerment. Logistic regression was done to examine association between participation and indicators of women empowerment. Crude and adjusted odds ratios, P-values and 95% CI were computed to show the association. A total of 900 non elderly women were enrolled, participation was found to be significantly associated with age (p<0.001), level of income (p<0.001) and number of living children (p<0.002). Majority of the study participants had primary education (85.1%) and unemployed (92.1%). Low income earners were 40.2%, program participants were 38% mostly in middle level income group (57.7%). Logistic regression to 18 empowerment indicators revealed a significant association at 5% level between program participation and empowerment. We demonstrated a positive association and concluded the strategy travels well and can empower women in Tanzania. However, efforts are needed to make the programs reach the most disadvantaged.
VL - 6
IS - 3
ER -

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Author Information

Christopher Mtamakaya

Institute of Clinical Medicine, Oslo University, Oslo, Norway
Damian Jeremia

Institute of Public Health, Kilimanjaro Christian Medical University College, Moshi, Tanzania
Sia Msuya

Institute of Public Health, Kilimanjaro Christian Medical University College, Moshi, Tanzania
Babill Stray-Pedersen

Institute of Clinical Medicine, Oslo University, Oslo, Norway

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APA Style

Christopher Mtamakaya, Damian Jeremia, Sia Msuya, Babill Stray-Pedersen. (2018). Microcredit and Its Impact on Women’s Empowerment: Some Evidence from Moshi, Tanzania. Science Journal of Business and Management, 6(3), 66-73. https://doi.org/10.11648/j.sjbm.20180603.11

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ACS Style

Christopher Mtamakaya; Damian Jeremia; Sia Msuya; Babill Stray-Pedersen. Microcredit and Its Impact on Women’s Empowerment: Some Evidence from Moshi, Tanzania. Sci. J. Bus. Manag. 2018, 6(3), 66-73. doi: 10.11648/j.sjbm.20180603.11

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AMA Style

Christopher Mtamakaya, Damian Jeremia, Sia Msuya, Babill Stray-Pedersen. Microcredit and Its Impact on Women’s Empowerment: Some Evidence from Moshi, Tanzania. Sci J Bus Manag. 2018;6(3):66-73. doi: 10.11648/j.sjbm.20180603.11

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@article{10.11648/j.sjbm.20180603.11,
  author = {Christopher Mtamakaya and Damian Jeremia and Sia Msuya and Babill Stray-Pedersen},
  title = {Microcredit and Its Impact on Women’s Empowerment: Some Evidence from Moshi, Tanzania},
  journal = {Science Journal of Business and Management},
  volume = {6},
  number = {3},
  pages = {66-73},
  doi = {10.11648/j.sjbm.20180603.11},
  url = {https://doi.org/10.11648/j.sjbm.20180603.11},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.sjbm.20180603.11},
  abstract = {In Tanzania patriarchy prevails and women continue to be relatively disadvantaged compared to men. As a result women position is low, are poorer, have low education and lack self-esteem. Microcredit has shown to be an effective tool for combating these diseases of the poor, but unlike other developing countries its potential has not been fully explored in Tanzania. This population based cross sectional study explores the impact of microcredit programs participation on women’s empowerment. Logistic regression was done to examine association between participation and indicators of women empowerment. Crude and adjusted odds ratios, P-values and 95% CI were computed to show the association. A total of 900 non elderly women were enrolled, participation was found to be significantly associated with age (p<0.001), level of income (p<0.001) and number of living children (p<0.002). Majority of the study participants had primary education (85.1%) and unemployed (92.1%). Low income earners were 40.2%, program participants were 38% mostly in middle level income group (57.7%). Logistic regression to 18 empowerment indicators revealed a significant association at 5% level between program participation and empowerment. We demonstrated a positive association and concluded the strategy travels well and can empower women in Tanzania. However, efforts are needed to make the programs reach the most disadvantaged.},
 year = {2018}
}

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