An Analysis of Microcredit Literacy Programmes in the Transformation of the Lives of Women in Four Selected Districts of Southern Province of Zambia

Janet Namuchile, Daniel Ndhlovu and Noah K. Sichula
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Janet Namuchile: Janet Namuchile*, Daniel Ndhlovu, Noah K. Sichula The University of Zambia
Daniel Ndhlovu: Janet Namuchile*, Daniel Ndhlovu, Noah K. Sichula The University of Zambia
Noah K. Sichula: Janet Namuchile*, Daniel Ndhlovu, Noah K. Sichula The University of Zambia

International Journal of Research and Innovation in Social Science, 2023, vol. 7, issue 1, 860-877

Abstract: The study sought to analyse the microcredit literacy programmes in the transformation of the lives of women beneficiaries in selected districts of Southern Province. The study employed the concurrent transformative research design. Quantitative and qualitative data was collected simultaneously using quantitative and qualitative data collection instruments. The total population was five hundred and thirteen (513). Purposive and snow ball sampling procedures were employed to get the sample that could provide quantitative data, a proportionate sampling technique of the ratio one to five or one fifth to draw a sample size from each stratum. Questionnaire and semi-structured interview guide were used to collect data. Descriptive statistics and thematic analysis was used to analyse data. The study found inadequate microcredit training content; insufficient training duration; teacher-centred method used in training beneficiaries; good characteristics of trainers; insufficient loan amount; loan repayment schedule not good; concentration on loan repayment; literacy just mentioned in microcredit; and poor record keeping. As a result, there was very little transformation in the lives of women in the selected districts of Southern Province. Therefore, the study recommended for re-designing of the microcredit programme by the Department of Community Development.

Date: 2023
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