Assessing The Influence Of Rural Credit Facilities On Gender Relations At Household Levels (A Case Study Of Gulu Bardege Division)

ABSTRACT

This research has taken a central focus on assessing the influence of mral credit facilities on gender relations at house hold levels the service delivery Gulu Municipality. A case study of Gulu Bardege division. This was so because a lot of silence has been built around knowledge on mral credit facilities performance and its relationship with service delivery strategy. The major study area is Gulu Bardege Division in Gulu District with approximate population of about (30446). This is dominated with lots of businesses and other associated socio-economic activities coupled with cross border trades. The major methodologies employed included: research designs of qualitative and quantitative since it involved use of figures and description of the findings. Sampling techniques of purposive and simple random, systematic were used to collect data. This study has taken a close period of abont 3 (Three months) attracting a total working budget of 520,000= The period considered for this research has been the financial periods of (2004/2005- 2009/2010).

TABLE OF CONTENTS

DECLARATION .................................................................................................... i

APPROVAL........................................................................................................ ii

DEDICATION ...................................................................................................... iii

ACKNOWLEDGEMENT ......................................................................................... iv

ACRONYMS ........................................................................................................ v

ABSTRACT ......................................................................................................... vi

TABLE OF CONTENTS ........................................................................................ vii

LIST OF TABLES ................................................................................................ ix

CHAPTER ONE ................................................................................................... 1

INTRODUCTION ................................................................................................. 1

1.1 BACKGROUND TO THE STUDY ..................................................................... 1

1.2 STATEMENT OF THE PROBLEM................................................................... 2

1.3 MAIN OBJECTIVE OF THE STUDY ................................................................ 3

1.4 SPECIFIC OBJECTIVES OF THE STUDY....................................................... 3

1.5 RESEARCH QUESTIONS ................................................................................ 3

1.6 SIGNIFICANCE OF THE STUDY ..................................................................... 4

1.7 THE SCOPE OF THE STUDY .......................................................................... 4

1.8 LIMITATIONS OF THE STUDY.................................................................. 4

CHAPTER TWO................................................................................................ 6

REVIEW OF RELATED LITERATURE .................................................................... 6

2.1.0 Background of savings ................................................................................ 6

2.1.1 Origin ........................................................................................................ 6

CHAPTER THREE ............................................................................................. 14

METHODOLOGY ............................................................................................... 14

3.1 Research design .......................................................................................... 14

3.2 Sampling procedures .................................................................................... 14

3.3 Study population....................................................................................... 14

Data collection methods .................................................................................... 14

Questionnaire: ................................................................................................... 15

Oral interview: ................................................................................................... 15

vii

Observation: ...................................................................................................... 15

Data processing and analysis ............................................................................. 15

Measurement:................................................................................................. 16

CHAPTER FOUR .............................................................................................. 17

FINDINGS AND ANALYSIS ................................................................................. 17

INTRODUCTION .............................................................................................. 17

CHAPTER FIVE.............................................................................................. 31

SUMMARY AND RECOMMENDATIONS .............................................................. 31

SUMMARY ....................................................................................................... 31

5.1 BACKGROUND CHARACTERS ...................................................................... 31

5.2 KNOWLEDGE ABOUT RCF..... .. . . . . . . ... . . . . .. . . . . . . . . ..... .. .. . . . . . . . . .. . .. . . . . . . . . . . .. .. . . .. . . . 32

5.3 SOCIO- ECONOMIC STATUS OF RESPONDENTS AND THEIR COMMUNITIES 32

5.4 CONTRIBUTION OF RCF PROGRAM ............................................................. 34

5.5 CONTRIBUTION OF OTHER FINANCIAL INSTITUTIONS PARTICIPATED IN BY

MEMBERS ...................................................................................................... 35

5.6 RECOMMENDATIONS .................................................................................. 36

REFERENCES ................................................................................................... 38

REFERENCES................................................................................................. 38

QUESTIONNAIRES ............................................................................................ 39