Challenges Facing Women’s Who are Participating in Village Community Bank in Mbarali District

The study aimed at examining challenges facing women's who are participating in VICOBA at Mbarali Disrict. The specific objectives were: to determine social, economic and structural challenges facing women’s who are participating in Village Community Bank, The study used both primary and secondary data. Primary data were collected from 178 respondents using researcher administered questionnaire and 18 key informants by using interview method. The sample size were selected by using purposive and simple random sampling technique. Quantitative data were analysed using Statistical Package of Social Science (SPSS) and qualitative data were analysed by using content analysis technique where data were organized and summarized into different themes and ideas which were expressed by key respondents. The study findings show that 44.9% women faced with a challenge of poor cooperation from VICOBA members, inadequate income 49.4% of women, short loan duration 83.7% revealed by VICOBA women, and structural factors including tough membership conditions by 82.3%. Conclusion, challenge facing women’s participation in VICOBA in Mbarali District were poor education on VICOBA that led them to fail to participate effectively in VICOBA.

Therefore, the study recommends that through proper impletation of policy it can lead to reach the SDGs where encouraging to fight against inequality and the way of ensuring equality is to remove all challenges that facing women’s in their participation in VICOBA.