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Contribution of microfinance on women empowerment case study of Vision Finance company ltd Nyaruguru

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par Albert RUTAYISIRE
Protestant institute of arts and social sciences - Bachelor's degree in Business studies with education 2016
  

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1.2. PROBLEM STATEMENT

Basing on historical background, After the TUTSI genocide of 1994, women in Rwanda took huge responsibilities that made it difficult for women to be able to hold up themselves in absence of their spouses. This explain how women are vulnerable to poverty especially those women heading the family.

According to Adeline K. (2013) In general, Rwanda women make up the majority of the low income earners, unorganized informal sector of the economy and bigger number of them are gaps left overdue by the 1994 genocide tragedy, others are illiterate and have been marginalized by poverty and negative cultural practices.

According to Finescope Report Rwanda (2016), there is a gender gap in terms of financial inclusion in Rwanda, which is smaller in comparison to the rural divide. In general, there are slightly higher levels of financial inclusion among males compared to females due to a number of reasons (e.g. economic, social, legal, and cultural).

(Mjomba, 2011) studied the development of micro-finance in Kenya by specifically considering micro finance on financial empowerment of women in Kenya. This study though identified the impact of micro financing as empowering women positively, it majored on Kenya Women Finance Trust and was also bias to women only.

International aid donors, governments, scholars, and other development experts have paid much attention to microfinance as a strategy capable of reaching women and involving them in the development process. The microfinance industry has made great strides toward identifying barriers to women's access to financial services and developing ways to overcome those barriers. The microfinance institutions have been developed to fill these gaps, with increasing assistance from the various financial institutions and other donors, microfinance service is emerging as a powerful tool to reduce poverty and improve access to financial services for the poor women of Rwanda Cheston, susy Kuhn, Lisa (2002).

It is against this background that the researcher intends to carry out a study in order to analyze the outreach and impact of microfinance on the VFC women clients in Rwanda especially those leaving in Nyaruguru district. The findings will be drawn from an in-depth analysis of data obtained from microloan delivered to women beneficiaries of VFC Ltd Nyaruguru.

1.3. OBJECTIVES OF STUDY

1.3.1. General objective

To determine the contribution of microfinance on women empowerment in Rwanda

1.3.2. Specific objectives

· To identify various determinants of women empowerment in Nyaruguru district.

· To find out the impact of microcredit in women development.

· To analyze the role of microfinance in family empowerment by women.

1.4. RESEARCH QUESTIONS

This study was designed to emphasis on the following questions:

What are the various determinants of women empowerment in Nyaruguru district?

What is the impact of microcredit to women development?

What is the role of microfinance in family empowerment by women?

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