Microfinance in rural Ghana : a view from below

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http://eprints.org/relation/isVolatileVersionOf http://etheses.bham.ac.uk/id/document/3004 http://eprints.org/relation/ispreviewThumbnailVersionOf http://etheses.bham.ac.uk/id/document/3004 http://eprints.org/relation/isVersionOf http://etheses.bham.ac.uk/id/document/3004 archive 4031 disk0/00/00/11/89 2010-12-01 15:16:03 2019-01-23 09:53:39 2011-07-19 16:30:51 thesis show 0 Yeboah Eric Henry Hubbard Michael University of Birmingham Microfinance in rural Ghana : a view from below unpub HC HN JA 10col_socs The thesis investigates, from a contextual and user perspective, the implementation processes of microfinance interventions and the effect of the implementation processes on households and businesses. The thesis’ central argument is that microfinance discourse has neglected the perspective of microfinance users and this can negatively affect microfinance interventions as development tools. The study examines two microfinance interventions, Nsoatreman Women Empowerment Programme and Sinapi Aba Trust, in Nsoatre, a rural community in Ghana. Data for the study is from secondary sources, 26 interviews and 100 questionnaires. The study was guided by the philosophical ideas underlying the Sustainable Livelihood Approach and the Interpretive Approach. Using qualitative, cross-tabulations and ordinal logistic regression, the analysis found that the microfinance institutions studied essentially employ top-down approaches and that the perception of microfinance as non-paternalistic is not supported by this study. The mode of group formation has significant ramifications on subsequent group activities and peer monitoring played a limited role in mitigating moral hazard. Service users exhibited noticeable lack of knowledge on intervention activities. Microfinance interventions contribute to household consumption more than it does to household asset accumulation. Poorer service users reported more household and business benefits. The findings suggest a reappraisal of the design of microfinance interventions, especially in rural areas. 2010-12 2010-09 graduation eng author This unpublished thesis/dissertation is copyright of the author and/or third parties. The intellectual property rights of the author or third parties in respect of this work are as defined by The Copyright Designs and Patents Act 1988 or as modified by any successor legislation. Any use made of information contained in this thesis/dissertation must be in accordance with that legislation and must be properly acknowledged. Further distribution or reproduction in any format is prohibited without the permission of the copyright holder. public 393 University of Birmingham School of Government and Society d_ph na 2010-12 graduation