MICRO-CREDIT AND WOMEN EMPOWERMENT: AN EMPIRICAL STUDY OF MARKET WOMEN IN IJEBU-ODE LOCAL GOVERNMENT AREA OF OGUN STATE


RESEARCH PROPOSAL

Chapter One: Introduction

Micro-credit schemes give poor people access to small amounts of financial credit to assist them in economic activities. As Naila Kabeer (1998) has noted, micro-credit programmes have become an increasingly important intervention for addressing poverty, through a strategy of direct lending or of financial intermediation. Further, in the 1990s the World Bank outlined a bilateral approach towards enhancing development growth for the poor: policies that supported the use of labour (by harnessing market incentives and other means) and the provision of basic services to the poor. In view of this, the bank and many other agencies have strongly maintained and advocated the implementation of micro-credit programmes as a positive means of enhancing women’s economic empowerment, especially in Third World countries (World Bank Report, 2000).

Chapter Two: Literature Review

The micro-credit scheme is the latest in a line of historical and conceptual frameworks for approaching interrelated development programmes or policies, designed and promoted as instruments of change. Concerns for women’s economic empowerment, voice and gender equality, especially within the household and community have informed the proliferation and implementation of these development schemes by many NGOs and governmental organisations.

Thus, the overall framework of this chapter will constitute two different parts: first it will examine various definitions of ‘development’ and its relevance to gender and development, and secondly, it will evaluate various development approaches and examine their significance to women’s economic empowerment and well-being in a broad spectrum.

Chapter Three: Research Methodology

This chapter deals with the methodology and the research instrument to be used in getting data for the study. This study uses descriptive survey type. The population for this study consists of all market women in Ita-Osun (popularly called New Market). The sample for this study constitutes one hundred (100) respondents. Questionnaire will be used as instrument for data collection. In analyzing the data collected from the respondents, simple percentage method of data analysis will be adopted.

Chapter Four: Data Analysis

In this chapter, the researcher will analyse the data collected for the research work and interpret it according to the research hypotheses formulated in chapter one.

Chapter Five: Summary, Conclusion and Recommendations

Summary and conclusions are to be drawn from the research literature, research findings and data analysis. Recommendations will be made in the final chapter.

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