A Dissertation Submitted in Partial Fulfillment of the Requirements for the
Degree of Master of Science in Economics (Project Planning and Management)
of Mzumbe University.
2013
This study was interested on income poverty analysis to the community of southern
Unguja in which majority of the household members were engaged on Village
Savings and Credits Associations groups (VSLA). The primary objective of the study
was an assessment of Village Savings and Loans Associations on Household Income
at Southern Unguja. Total sample of 217 head of household who are joined with
VSLA were selected. The study has provided two conceptual frame, namely total
household income and determinants of VSLA’ income. All technical techniques of
sample size and determination were carried out. Two hypotheses were formulated;
the result of the first hypothesis shown that income from VSLA, livestock, business
and casual labour was economically significance at 1 and 5 per cent level. The result
of the second hypothesis was very interesting in which the demographic variables
had no impact to the VSLA income, the variable size of member who joined with the
group and amount of household saving had shown to have impact at 1 per cent
significance level. The Gini index shown the society of southern unguja has relative
equality