Perpetua Kilasi Bücher

Die Untersuchung beleuchtet die Herausforderungen, die weibliche Kunden bei der wirtschaftlichen Befähigung durch Kredite erfahren. Während Mikrokredite in einigen Fällen zur sozialen und wirtschaftlichen Stärkung von Frauen beitragen, stehen ihnen zahlreiche Hindernisse gegenüber, wie geringes Selbstvertrauen, kulturelle Rollen und Bildungsdefizite. Hohe Zinssätze und eingeschränkter Zugang zu IKT verschärfen die Situation. Um die Wirksamkeit von Mikrokrediten zu verbessern, wird eine enge Zusammenarbeit zwischen Mikrofinanzinstitutionen und politischen Gremien gefordert, um Frauenrechte zu fördern und Geschlechterungleichheiten abzubauen.

Women empowerment has been discussed by different scholars but there are still gaps in literature. This piece of work presents an assessment of factors hindering economic empowerment of female clients who have managed to graduate to the higher levels of loan. It reveals that in some aspects, credit has been effective in empowering women economically and socially, but on the other hand factors such as low confidence, social cultural roles, low level of education, high interest rates and limited access to Information Communication Technology (ICT) are hindering effectiveness of micro-credit in empowering women economically. Therefore continuous education is still needed for different stakeholders to understand the importance of women empowerment to the country's economy. Micro Finance Institutions therefore should integrate with policy making bodies to support women in legal rights so that social and political empowerment can be increased and ultimately reduce gender imbalances in various aspects like access to assets.