Enhancing Women’s Livelihoods through Development Funds: Evidence from Babati District Council, Tanzania

Abstract

This study aimed to assess the impact of Women Development Funds scheme on women's livelihood in Tanzania. A cross-sectional research design was employed, and data were collected through questionnaires, interviews, and documentary review from a sample of 85 respondents including, beneficiaries of women development fund loans and key informants. Data analysis was conducted using SPSS version 25, employing descriptive and inferential statistics. The findings indicated that women development funds significantly supported the beneficiaries who obtained loans. These beneficiaries were engaged in various small businesses such as tailoring, livestock keeping, and horticulture, leading to increased income and improved livelihoods. Notably the efforts and outcomes of women who received loans from the women development funds contributed to attitudinal change among men, as they recognized women’s dual role in household chores and their contribution to household livelihoods, challenging stereotypical gender roles. Despite these positive outcomes, beneficiaries of the loan encountered challenges, including lengthy loan access times, insufficient loan amount, limited entrepreneurship skills, and balancing household and businesses responsibilities. To enhance entrepreneurial success, it is recommended that relevant government institutions increase the loan amount and grace period, provide entrepreneurial skills training, and create a supportive business environment.