A dissertation submitted to the school of business in partial fulfillment for the
requirements of the award of degree of master of business administration in
Corporate Management of Mzumbe University, Tanzania
This study aimed at assessing the Influence of Provision of Bank Credits to Women
owned entrepreneurial ventures, a case study of the TWB. It focused on attempting four
key issues including; to examine the types of bank credits offered by the TWB to women
entrepreneurs, to examine the influence of bank credits provided by the TWB to women
entrepreneurs, to assess the ability of the TWB in providing bank credits to women
entrepreneurs and lastly to explore the financial and non-financial challenges facing
women entrepreneurs in accessing bank credit/loans from the TWB.
In approaching research issues, the researcher used a cross section research design. Data
were collected from a sample of fifty (55) respondents, whereby questionnaires were
distributed to fifty (50) respondents, while five (5) respondents were interviewed.
The findings of the study reveal that the TWB offers both secured and non-secured bank
credits/loan to any qualified women entrepreneur clients. The study discovered that
TWB provides sufficient bank loan to the women entrepreneurs. It was also identified
that the bank credits/loans were provided effectively in most regards by the bank and
confirmed to empower women entrepreneurs economically and socially. Although it was
found that the TWB had established various special credits/loan programme, which have
attracted women entrepreneurs to apply for the loan frequently, but yet, it was
discovered that the majority of women entrepreneurs clients do not easily meet the
conditions for obtaining loan from the TWB because of the limited access to collateral,
lack of property right, poor business proposals, poor credit history while some clients
claim that the interested rate offered by the bank is still not affordable.
However, from these financial and non-financial challenges, the study recommends that
TWB and other commercial should restructure their credit products in order to meet the
expectation of the women entrepreneur clients and they should provide credit
management training to their clients and simplify the procedures for securing credit
facilities. Also the government through BOT should evaluate whether the interest rates
charged by the commercial banks are significant to the women entrepreneur clients.