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

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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

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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), 2023. Published by Science Publishing Group

Keywords

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

References

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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

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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

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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

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@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}
}

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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  -

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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

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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

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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

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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

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@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