| dc.description.abstract | The study ‘‘Effects of group lending on the performance of women enterprises in Nyendo
Ssenyange division Nyendo market’ was assessed in 2018. This was done to throw more light
on the factors affecting group lending on the performance women enterprises in Nyendo
market. The study had three objectives: To find out the effect of joint liability on performance
of women enterprise in Nyendo market, To analyze the effect of group monitoring on
performance of women enterprise in Nyendo market, To find out the effect of
step/progressive lending on performance of women enterprise in Nyendo market.
This study used both primary and secondary data. Primary data was collected using
questionnaires which were administered using drop and pick later method while secondary
data was obtained from women enterprise plans, newspapers, electronic journals and other
internet sources. Data was analyzed using descriptive statistics and represented by measures
of central tendency, that is mean and standard deviation. Descriptive statistics such as mean
and standard deviation were used to measure effect of group lending on performance of
women enterprises. The information was then presented by use of tables, bar charts, graphs
and pie charts. The study found out that most of women enterprises in Nyendo market rely
on funds from group lending to operate and that borrowers organized in groups were more
likely to be productive and repay their loans than their counterparts in individual lending. It
also found that women enterprises faced the challenges of high taxes imposed on their
businesses, seasonal changes those dealing in vegetable businesses and competition.
In conclusion, findings revealed that group lending affect the performance of women
enterprises most respondents cited that joint liability/group lending affect on the performance of their
enterprises and they agree with Harvard Theory School forces (Coleman, 2002). Because internal
qualities of the individual such as intelligence, skill, knowledge and experience from group members
are shared among the member groups. Results further show that the respondents established that
Interest rates to the group lending are too low than for individual borrowing, according to one of the
respondent said that ’’Brac Uganda’s interest rates on groups are 10% and those of individual loan of
small enterprises program (SEP) 25% a year” | en_US |
