Adoption of Table Banking Strategy and Its Effect on Women’s Livelihood in Trans-Nzoia County

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dc.contributor.author Mulwa, Joyce Cynthia Chematia
dc.date.accessioned 2018-10-11T11:37:47Z
dc.date.available 2018-10-11T11:37:47Z
dc.date.issued 2018
dc.identifier.uri http://erepo.usiu.ac.ke/11732/4025
dc.description A Project Report Submitted to the School of Business in Partial Fulfillment of the Requirement for the Degree of Masters in Business Administration (MBA) en_US
dc.description.abstract The purpose of this study was to investigate the effect of the adoption of table banking strategy on women’s livelihood in Trans-Nzoia County. The study also sought to answer the following research questions: What are the effects of group cohesiveness on women’s livelihood in Trans-Nzoia County? What are the effects of provision of micro loans on women’s livelihood in Trans-Nzoia County? What are the effects of saving culture on women’s livelihood in Trans-Nzoia County? This study made use of a descriptive explanatory research design. The population of this study was10, 200 women Trans Nzoia County. The sampling frame comprised of all the 495 women groups located in the 20 wards of Trans Nzoia County. The study used stratified random sampling to select 10% of the women groups in each 20 wards. The sample size for the selected women groups was determined using Slovin's Formula, which gives a sample size of 384 women. Simple random sampling method was used to select the 384 women from the 20 women groups. This study only used primary data, which can be qualitative or quantitative. The data was collected by use of questionnaires. Before the data collection, a pilot test was conducted to ensure the validity and reliability of the research instrument. The questionnaire generated both qualitative and quantitative data. Thematic content analysis was used to analyze qualitative data and then was presented prose form. Quantitative data was analyzed by use of inferential and descriptive statistics with the help of statistical software known as Statistical Package for Social Sciences (SPSS version 22). Descriptive statistics includes percentages, frequencies, mean and standard deviation. The results were presented using tables and figures which included bar charts and pie charts. Inferential statistics such as correlation analysis and multiple regression analysis were used to establish the relationship between the independent and the dependent variable. The study found that group cohesion does not have a significant influence on women livelihood. In addition, most women groups had guidelines and regulations that guide behavior and had ground rules on operations, opinions and social interactions. The study also found that group thinking enhances teamwork among members and minimizes irrational decision making and normally leads to mutual decision making. Further, members of various groups were found to be committed to the activities of their group, which leads to team work and results in success and achievement in the group. The study established that provision of loans has a positive and significant influence on women livelihood. In addition, micro loans had low interest rates, which enhances women access to finance and enable members to repay loans without struggle. Also, the study found that micro loans in table banking have favorable loan repayment terms and the groups give a fair time period to repay the loans. Further, the study established that table banking focuses on joint liability and group guarantee is guided by individuals’ shares and savings. However, the study found that repayment terms were not developed as per the member’s ability to repay. The study revealed that saving culture has a positively and significant effect on women livelihood. The study established that women were in a position to save severally to their groups account through mobile banking. The study also found that consistency in monthly savings helps group members to increase access to credit. Also, table banking has increased women’s savings and the groups require each member to make a monthly contribution. The study concludes that group cohesiveness has a positive but insignificant effect on women’s livelihood in Trans-Nzoia County. In addition, the study concluded that provision of micro loans has a positive and significant influence on the livelihood of women in Trans Nzoia County. Further, the study also concluded saving culture has a positive and significant influence on women’s livelihood in Trans Nzoia County. This study recommends that groups should reevaluate their conflict management mechanisms so as to ensure an improvement in group cohesiveness. In addition, women groups should develop repayment terms based on the members ability to repay, which may play a major role in ensuring that members access loans and they pay within the expected time. Further, all women groups should ensure that all members know how to use their mobile phones to make deposits to the group accounts. Training in this case will be important as most of the members had no formal education. en_US
dc.language.iso en en_US
dc.publisher United States International University - Africa en_US
dc.subject Adoption en_US
dc.subject Table Banking en_US
dc.subject Women’s Livelihood en_US
dc.subject Trans-Nzoia County en_US
dc.title Adoption of Table Banking Strategy and Its Effect on Women’s Livelihood in Trans-Nzoia County en_US
dc.type Thesis en_US

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