Social Constraints facing Table Banking among Rural Women in Emurua Dikirr Sub-County, Narok County, in Kenya.
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Date
2018-03-01
Authors
Seurei, Joan Jelimo
Mavole, Johnson Nzau
Muhingi, Wilkins Ndege
Journal Title
Journal ISSN
Volume Title
Publisher
International Journal of Social and Development Concerns
Abstract
One of the greatest challenges that women face in developing countries is financial inclusion. Access to capital for startup businesses is usually difficult, more so, for women in rural areas. As such, a group-based funding strategy is one of the solutions that was implemented to afford women opportunities to overcome financial challenges affecting their lives. Not all women have the opportunity to gain formal employment. In fact, majority of women in developing nations are in rural areas. As such, group-based funding strategies thrive in these areas. Women are able to pool resources and save and borrow as individuals. Social networks, organisational structures and knowledge levels of the members of these groups and the larger organisations is a great determinant for success. The purpose of this study was to examine the social constraints that women practicing table banking face in Emurua Dikirr sub-County, Narok County. The study adopted phenomenology and survey research designs that employed qualitative and quantitative paradigms to collect data. Staff from the Social Services Department of Narok County, women doing table banking, and field officers working for the County Government of Narok, were targeted for this study using purposive, snowball, and cluster sampling techniques.
Quantitative data was analyzed using statistical techniques like inferential statistics frequencies and ratios. Qualitative data was analyzed using content analysis, and presented using in-depth narratives. The study found that women in table banking face a lot of constraints in their informal groups. Majority of the women can only network with neighbours in close proximity while others do so with family members only. These limited networks inhibit their growth and lead to poor performance of their groups and small businesses. Additionally, the study found that most women in the area of study were illiterate or semi-illiterate. It was recommended that, Joyful Women Organisation ( JOYWO) should train women to understand and implement the fundamental principle of group-based funding strategies, which in this case is social networking. Networks build social trust and cohesion among the group members. It was also recommended that education should be made accessible to both young as well as adult members of society. It was lastly recommended that JOYWO needs to adopt policies and regulations that were flexible for groups to thrive especially in hardship rural areas such as Emurua Dikirr sub-County.
Description
Journal Article
Keywords
Table banking, Social constraints, Rural women
Citation
Seurei, J. J., Mavole, J. N., & Muhingi, W. N. (2018). Social Constraints facing Table Banking among Rural Women in Emurua Dikirr Sub-County, Narok County, in Kenya. International Journal of Social and Development Concerns, 2(1), 130–143.
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