Staff Publications

Staff Publications

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    'Staff publications' is the digital repository of Wageningen University & Research

    'Staff publications' contains references to publications authored by Wageningen University staff from 1976 onward.

    Publications authored by the staff of the Research Institutes are available from 1995 onwards.

    Full text documents are added when available. The database is updated daily and currently holds about 240,000 items, of which 72,000 in open access.

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Record number 509273
Title Women and microcredit in rural agrarian households of Uganda: match or mismatch between lender and borrower?
Author(s) Namayengo, M.M.F.; Ophem, J.A.C. van; Antonides, G.
Source APSTRACT: Applied Studies in Agribusiness and Commerce (2016). - ISSN 1789-221X - p. 77 - 88.
DOI http://dx.doi.org/10.19041/APSTRACT/2016/2-3/9
Department(s) Economics of Consumers and Households Group
WASS
Publication type Refereed Article in a scientific journal
Publication year 2016
Keyword(s) Uganda - BRAC - rural microcredit - women
Abstract The alignment of microfinance programs with the context and expectations of the recipients is critical for ensuring clients' satisfaction and desired program outcomes. This study sought to investigate the extent to which the objectives and design of the BRAC microfinance program match the expectations, context and characteristics of female borrowers in a rural agrarian setting in Uganda. Quantitative and qualiative methods were used to obtain socio-demographic, personality and microenterprise (ME) chaaceristics of existing borrowers, incoming borrowers and non-borrowers and to obtain information about the microcredit program. We found that BRAC uses a modified Grameen group-lending model to provide small, high-interest rate production loans and follows a rigorous loan processing and recovery procedure. BRAC clients are mainly poor subsistence farmers who derive income from diverse farming and non-farm activities. The major objective to borrow is to meet lump-sum monetary needs usually for school fees and for investment in informal small non-farm businesses. Many borrowers use diverse sources of funds to meet repayment obligations. Defaulting on loans is quite low. The stress cause by weekly loan repayment and resolution of lump-sum cash needs weer identified as reasons for women to stop borrowing The limited loan amounts, the diversions of loans to on-production activities, the stages of the businesses and the weekly recovery program without a grace period may limit the contribution of these loans to ME expansion and increase in income.
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