Accessibility of Local Government’s Mandatory Free Interest Loans on Women Socio-Economic Welfare: A Case Study of Temeke Municipalf Council, Tanzania

Joyce David Mtunda

doi:doi:10.11648/j.ebm.20230905.11

| Peer-Reviewed

Accessibility of Local Government’s Mandatory Free Interest Loans on Women Socio-Economic Welfare: A Case Study of Temeke Municipalf Council, Tanzania

Joyce David Mtunda

Published in European Business & Management (Volume 9, Issue 5)

Received: 9 December 2022 Accepted: 12 April 2023 Published: 13 September 2023

Views: Downloads:

Download PDF

Share This Article

Twitter
Linked In
Facebook

Abstract

The goal of local governance is to empower local people and to ensure public engagement in the local government's governing structure. The Constitution of the United Republic of Tanzania defines the Local Government authorities as citizens' entities located at the grassroots level of the Government. Women represent 70% of the world’s poor due to unequal access to economic opportunities in both developed and developing countries. Thus, Tanzania’s municipal governments are required to set aside 10% of internal annual revenue to empower marginalized population including women. This study was guided by Efficient-service school of thought, Development School of Thought, Soufflé Theory (ST) and Micro Credit Theory. Purposive and random sampling procedures were used to select respondents. Both questionnaire and interview were used to collect data and analyzed through thematic analysis. It was found that women beneficiaries indeed benefited by accessing local government free interest loan which they used to open small businesses such as salon, food vendering, cloth selling, entrepreneurship (batik making and selling, soap making). This improves their standard of living to a greater extent and as a result improved their socio- economic welfare. However the rate at which their businesses were expanding was minimal due to limited knowledge on business such as accounting knowledge, book keeping and customer care knowledge and as a result led to limited access to market. Therefore the study recommended the need to improve on the training on business activities by the local government on women this will help them to improve on the performance of the overall business activities.

Published in	European Business & Management (Volume 9, Issue 5)
DOI	10.11648/j.ebm.20230905.11
Page(s)	85-93
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), 2024. Published by Science Publishing Group

Keywords

Accessibility, Local Government, Mandatory, Free Interest Loans, Women, Socio-Economic Welfare, Tanzania

References

[1]	Thapa, I. (2020). Local government: concept, roles and importance for contemporary society. sl: Ministry of Energy, Water Resource and Irrigation, Government of Nepal. Article 145 of the 1997 United Republic of Tanzania constitution.
[2]	Hasluck, C., & Hogarth, T. (2010). The net benefits to employers’ investments in apprenticeships: Case study evidence from the UK. The Canadian Apprenticeship Journal, 2.
[3]	Gogadi, B. S. (2011). The Role of Microfinance on Women Empowerment: A Case Study of Pride (T), and Women Food Vendors in Kariakoo, Ilala District, Dar Es Salaam Region, United Republic of Tanzania (Doctoral dissertation, The Open University of Tanzania.
[4]	Nziku, D. M., & Henry, C. (2020). Policies for supporting women entrepreneurs in developing countries: The case of Tanzania. Journal of Entrepreneurship and Public Policy, 10 (1), 38-58.
[5]	Fjeldstad, O. H., & Heggstad, K. (2012). Local government revenue mobilisation in Anglophone Africa. Gishu District. In Patrick, O. A., & Poul, O. P. (Eds.), Negotiating social space: East African Micro-enterprises (pp. 197-222). Africa World Press, Inc. Trenton, NJ; Asmara, Eritrea.
[6]	Tshuma, N., & Selome, J. (2014). Microfinance and women empowerment in Zimbabwe: A case of women development fund in Umguza District. International letters of social and humanistic sciences, 35, 74-85.
[7]	Blair, H. (2000). Participation and accountability at the periphery: Democratic local governance in six countries. World development, 28 (1), 21-39.
[8]	Mamboya, S., Regnard, I., & Mgumia, H. (2021). Challenges Facing Women Vegetable Sellers in Dodoma City: A Case of Sabasaba Market.
[9]	Enns, C. (2022). Sustainable community design amidst social challenges: Insights from Nairobi, Kenya. In The Elgar Companion to Urban Infrastructure Governance (pp. 87-108). Edward Elgar Publishing.
[10]	Garcia-Yeste, C., Mara, L. C., de Botton, L., & Duque, E. (2022). Building a More Inclusive Workplace for Religious Minorities. Religions, 13 (6), 481.
[11]	World Bank. (2021). Tanzania Economic Update, February 2021: Raising the Bar-Achieving Tanzania’s Development Vision.
[12]	World Bank. (2007). World development report 2008: Agriculture for development. The World Bank.
[13]	Aggarwal, S., Rameshwar, R., & Pahuja, A. (2021). Impact of SHGs on social, economic and political women empowerment: a case study of Ghaziabad District, India. World Review of Entrepreneurship, Management and Sustainable Development, 17 (2-3), 276-290.
[14]	Basit, A., Wong, S., Hassan, Z., & Sethumadhavan, S. (2020). Entrepreneurial success: Key challenges faced by Malaysian women entrepreneurs in 21st century. International Journal of Business and Management, 15 (9), 122.
[15]	Banzi, C. D. (2012). Assessing the impact of village micro financing in poverty reduction among women at Arumeru District. A Dissertation submitted in partial fulfillment of the requirement for the Award of the degree of Master of Business Administration of Mzumbe University. Morogoro: Mzumbe.
[16]	Tundui, C. S., & Mgonja, B. E. (2010). Microcredit and poverty alleviation through the labour market: Evidence from women microcredit clients in Tanzania. Global Journal of Human Social Sciences, 10 (3), 69-76.
[17]	Kothari, C. R. (2004). Research methodology: Methods and techniques. New Age International.
[18]	Makombe, I. A. M. (2006). Women entrepreneurship development and empowerment in Tanzania: the case of SIDO/UNIDO-supported women microentrepreneurs in the food processing sector (Doctoral dissertation, University of South Africa).
[19]	Marijani, B. (2008). A study of contribution of micro-finance institutions in poverty alleviation through women income generating activities (Doctoral dissertation, Sokoine University of Agriculture).
[20]	Mgalula, A. C. (2012). Contribution of Microfinance institutions on poverty reduction in Tanzania, the case of Dar es Salaam region. A Dissertation submitted in partial fulfillment of the requirement for the Award of the degree of Master of Business Administration (MBA) of Mzumbe University. Morogoro: Mzumbe University.
[21]	Dimoso, P. J., and Masanyiwa, Z. S. (2008). A critical look at the role of micro finance banks in poverty reduction in Tanzania: A case of Akiba Commercial Bank Limited. University of Sussex. Institute of development studies (IDS). Retrieved January, 24, 2016 from the World Wide Web: http://www.eldis.org/vfile/upload/1/document/0811/MICROFINACE%20PAPER.pdf
[22]	Magali, J. (2013). Impacts of rural savings and credits cooperative societies (Saccos‟) on borrowers in Tanzania. Dar es Salaam. Open university of Tanzania.
[23]	Kinyashi, G. Hawasi, F. and Mmari, U. (2010). Analysis of household food security in Dodoma Municipality: Planned and unplanned settlements comparison. IRDP – Dodoma.
[24]	Ashley, L. D. (2021). Case Study Research. Research Methods and Methodologies in Education, 3.
[25]	Kamuzora, J. A, (2008), Research Methods for Business and Social Studies, Morogoro: Mzumbe Book Project.
[26]	Creswell, John W. and J David Creswell (2018) Research Design: Qualitative, Quantitative, and Mixed methods Approached. 5TH Edition. Thousand Oaks, CA: Sage Publication.
[27]	Heale, R., & Twycross, A. (2015). Validity and Reliability in Quantitative Studies. Evid Based Nurs, 18 (4), 66-67.

Cite This Article

Plain Text BibTeX RIS

APA Style

Joyce David Mtunda. (2023). Accessibility of Local Government’s Mandatory Free Interest Loans on Women Socio-Economic Welfare: A Case Study of Temeke Municipalf Council, Tanzania. European Business & Management, 9(5), 85-93. https://doi.org/10.11648/j.ebm.20230905.11

Copy | Download

ACS Style

Joyce David Mtunda. Accessibility of Local Government’s Mandatory Free Interest Loans on Women Socio-Economic Welfare: A Case Study of Temeke Municipalf Council, Tanzania. Eur. Bus. Manag. 2023, 9(5), 85-93. doi: 10.11648/j.ebm.20230905.11

Copy | Download

AMA Style

Joyce David Mtunda. Accessibility of Local Government’s Mandatory Free Interest Loans on Women Socio-Economic Welfare: A Case Study of Temeke Municipalf Council, Tanzania. Eur Bus Manag. 2023;9(5):85-93. doi: 10.11648/j.ebm.20230905.11

Copy | Download

@article{10.11648/j.ebm.20230905.11,
  author = {Joyce David Mtunda},
  title = {Accessibility of Local Government’s Mandatory Free Interest Loans on Women Socio-Economic Welfare: A Case Study of Temeke Municipalf Council, Tanzania},
  journal = {European Business & Management},
  volume = {9},
  number = {5},
  pages = {85-93},
  doi = {10.11648/j.ebm.20230905.11},
  url = {https://doi.org/10.11648/j.ebm.20230905.11},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.ebm.20230905.11},
  abstract = {The goal of local governance is to empower local people and to ensure public engagement in the local government's governing structure. The Constitution of the United Republic of Tanzania defines the Local Government authorities as citizens' entities located at the grassroots level of the Government. Women represent 70% of the world’s poor due to unequal access to economic opportunities in both developed and developing countries. Thus, Tanzania’s municipal governments are required to set aside 10% of internal annual revenue to empower marginalized population including women. This study was guided by Efficient-service school of thought, Development School of Thought, Soufflé Theory (ST) and Micro Credit Theory. Purposive and random sampling procedures were used to select respondents. Both questionnaire and interview were used to collect data and analyzed through thematic analysis. It was found that women beneficiaries indeed benefited by accessing local government free interest loan which they used to open small businesses such as salon, food vendering, cloth selling, entrepreneurship (batik making and selling, soap making). This improves their standard of living to a greater extent and as a result improved their socio- economic welfare. However the rate at which their businesses were expanding was minimal due to limited knowledge on business such as accounting knowledge, book keeping and customer care knowledge and as a result led to limited access to market. Therefore the study recommended the need to improve on the training on business activities by the local government on women this will help them to improve on the performance of the overall business activities.},
 year = {2023}
}

Copy | Download

TY  - JOUR
T1  - Accessibility of Local Government’s Mandatory Free Interest Loans on Women Socio-Economic Welfare: A Case Study of Temeke Municipalf Council, Tanzania
AU  - Joyce David Mtunda
Y1  - 2023/09/13
PY  - 2023
N1  - https://doi.org/10.11648/j.ebm.20230905.11
DO  - 10.11648/j.ebm.20230905.11
T2  - European Business & Management
JF  - European Business & Management
JO  - European Business & Management
SP  - 85
EP  - 93
PB  - Science Publishing Group
SN  - 2575-5811
UR  - https://doi.org/10.11648/j.ebm.20230905.11
AB  - The goal of local governance is to empower local people and to ensure public engagement in the local government's governing structure. The Constitution of the United Republic of Tanzania defines the Local Government authorities as citizens' entities located at the grassroots level of the Government. Women represent 70% of the world’s poor due to unequal access to economic opportunities in both developed and developing countries. Thus, Tanzania’s municipal governments are required to set aside 10% of internal annual revenue to empower marginalized population including women. This study was guided by Efficient-service school of thought, Development School of Thought, Soufflé Theory (ST) and Micro Credit Theory. Purposive and random sampling procedures were used to select respondents. Both questionnaire and interview were used to collect data and analyzed through thematic analysis. It was found that women beneficiaries indeed benefited by accessing local government free interest loan which they used to open small businesses such as salon, food vendering, cloth selling, entrepreneurship (batik making and selling, soap making). This improves their standard of living to a greater extent and as a result improved their socio- economic welfare. However the rate at which their businesses were expanding was minimal due to limited knowledge on business such as accounting knowledge, book keeping and customer care knowledge and as a result led to limited access to market. Therefore the study recommended the need to improve on the training on business activities by the local government on women this will help them to improve on the performance of the overall business activities.
VL  - 9
IS  - 5
ER  -

Copy | Download

Author Information

Joyce David Mtunda

Department of Social Science, Directorate of Post Graduate Studies and Research, Kampala International University in Tanzania, Dar es Salaam, Tanzania

Download PDF

Sections

Plain Text BibTeX RIS

APA Style

Joyce David Mtunda. (2023). Accessibility of Local Government’s Mandatory Free Interest Loans on Women Socio-Economic Welfare: A Case Study of Temeke Municipalf Council, Tanzania. European Business & Management, 9(5), 85-93. https://doi.org/10.11648/j.ebm.20230905.11

Copy | Download

ACS Style

Joyce David Mtunda. Accessibility of Local Government’s Mandatory Free Interest Loans on Women Socio-Economic Welfare: A Case Study of Temeke Municipalf Council, Tanzania. Eur. Bus. Manag. 2023, 9(5), 85-93. doi: 10.11648/j.ebm.20230905.11

Copy | Download

AMA Style

Joyce David Mtunda. Accessibility of Local Government’s Mandatory Free Interest Loans on Women Socio-Economic Welfare: A Case Study of Temeke Municipalf Council, Tanzania. Eur Bus Manag. 2023;9(5):85-93. doi: 10.11648/j.ebm.20230905.11

Copy | Download

@article{10.11648/j.ebm.20230905.11,
  author = {Joyce David Mtunda},
  title = {Accessibility of Local Government’s Mandatory Free Interest Loans on Women Socio-Economic Welfare: A Case Study of Temeke Municipalf Council, Tanzania},
  journal = {European Business & Management},
  volume = {9},
  number = {5},
  pages = {85-93},
  doi = {10.11648/j.ebm.20230905.11},
  url = {https://doi.org/10.11648/j.ebm.20230905.11},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.ebm.20230905.11},
  abstract = {The goal of local governance is to empower local people and to ensure public engagement in the local government's governing structure. The Constitution of the United Republic of Tanzania defines the Local Government authorities as citizens' entities located at the grassroots level of the Government. Women represent 70% of the world’s poor due to unequal access to economic opportunities in both developed and developing countries. Thus, Tanzania’s municipal governments are required to set aside 10% of internal annual revenue to empower marginalized population including women. This study was guided by Efficient-service school of thought, Development School of Thought, Soufflé Theory (ST) and Micro Credit Theory. Purposive and random sampling procedures were used to select respondents. Both questionnaire and interview were used to collect data and analyzed through thematic analysis. It was found that women beneficiaries indeed benefited by accessing local government free interest loan which they used to open small businesses such as salon, food vendering, cloth selling, entrepreneurship (batik making and selling, soap making). This improves their standard of living to a greater extent and as a result improved their socio- economic welfare. However the rate at which their businesses were expanding was minimal due to limited knowledge on business such as accounting knowledge, book keeping and customer care knowledge and as a result led to limited access to market. Therefore the study recommended the need to improve on the training on business activities by the local government on women this will help them to improve on the performance of the overall business activities.},
 year = {2023}
}

Copy | Download

TY  - JOUR
T1  - Accessibility of Local Government’s Mandatory Free Interest Loans on Women Socio-Economic Welfare: A Case Study of Temeke Municipalf Council, Tanzania
AU  - Joyce David Mtunda
Y1  - 2023/09/13
PY  - 2023
N1  - https://doi.org/10.11648/j.ebm.20230905.11
DO  - 10.11648/j.ebm.20230905.11
T2  - European Business & Management
JF  - European Business & Management
JO  - European Business & Management
SP  - 85
EP  - 93
PB  - Science Publishing Group
SN  - 2575-5811
UR  - https://doi.org/10.11648/j.ebm.20230905.11
AB  - The goal of local governance is to empower local people and to ensure public engagement in the local government's governing structure. The Constitution of the United Republic of Tanzania defines the Local Government authorities as citizens' entities located at the grassroots level of the Government. Women represent 70% of the world’s poor due to unequal access to economic opportunities in both developed and developing countries. Thus, Tanzania’s municipal governments are required to set aside 10% of internal annual revenue to empower marginalized population including women. This study was guided by Efficient-service school of thought, Development School of Thought, Soufflé Theory (ST) and Micro Credit Theory. Purposive and random sampling procedures were used to select respondents. Both questionnaire and interview were used to collect data and analyzed through thematic analysis. It was found that women beneficiaries indeed benefited by accessing local government free interest loan which they used to open small businesses such as salon, food vendering, cloth selling, entrepreneurship (batik making and selling, soap making). This improves their standard of living to a greater extent and as a result improved their socio- economic welfare. However the rate at which their businesses were expanding was minimal due to limited knowledge on business such as accounting knowledge, book keeping and customer care knowledge and as a result led to limited access to market. Therefore the study recommended the need to improve on the training on business activities by the local government on women this will help them to improve on the performance of the overall business activities.
VL  - 9
IS  - 5
ER  -

Copy | Download