The Impacts of Village Saving and Loan Association on Women’s Economic Empowerment in East Belessa Woreda.

Shumye, Worku

dc.contributor.author	Shumye, Worku
dc.date.accessioned	2024-03-28T07:57:04Z
dc.date.available	2024-03-28T07:57:04Z
dc.date.issued	2023-06
dc.identifier.uri	http://ir.bdu.edu.et/handle/123456789/15752
dc.description.abstract	VSLA is an informal microfinance serving as an alternative source of finance for poor individuals, especially women. CARE Ethiopia was implementing women-centered village savings and loan associations (VSLA) in East Belessa Woreda. Empirical studies on the impact of VSLA on women's economic empowerment are insufficient. In addition, existing studies did not use appropriate sampling and impact evaluation methods. Thus, the main objective of this study was to evaluate the impacts of VSLA on women's economic empowerment. The paper used personal savings, personal annual income, and asset ownership and control indicators to measure women's economic empowerment in East Belessa Woreda, Amhara region, Ethiopia. A quasiexperimental impact analysis method called propensity score matching was applied using cross-sectional data collected from a randomly selected 184 VSLA members and 200 non-member sample women. The finding reveals religion, household head, respondent's level of education, membership of other MFI, and participation in extension service have a positive and significantly affected likelihood of women joining VSLA. On the other hand, age and household size have significantly and negatively affected. Propensity score matching results show that VSLA positively and significantly impacted women's personal cash savings, asset ownership and control, and annual income. Relative to non-member women, respectively, VSLA member women have additional personal cash savings, asset ownership, and personal income with ATT values 5510.716, 10251.617, and 7408.99. This indicates that VSLA positively and significantly impacted women's economic empowerment in the study area. So, the government and non-governmental organizations should allocate a budget to expand the village savings and loan association and make it accessible to women. It should prepare rules, laws, guidelines, and strategies to implement VSLAs and give them to the implementing bodies. Should pay special attention to promoting, implementing, monitoring, and increasing the awareness of women about VSLA.	en_US
dc.language.iso	en	en_US
dc.subject	ECONOMICS	en_US
dc.title	The Impacts of Village Saving and Loan Association on Women’s Economic Empowerment in East Belessa Woreda.	en_US
dc.type	Thesis	en_US