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Women's small and medium enterprises for poverty alleviation in Sub-Saharan Africa Lessons from Kenya

机译：撒哈拉以南非洲地区的妇女中小企业以减轻贫困肯尼亚的经验教训

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Purpose - The purpose of this study is to focus on women small and medium enterprises (WSMEs) financed by Kenya Women Finance Trust (KWFT) for poverty alleviation in Kakamega District-Kenya. Design/methodology/approach - The study utilized cross-sectional data from KWFT and follow-up field survey data of women beneficiaries of KWFT credit. Multi-stage stratified sampling technique was adopted to identify 90 women entrepreneurs of the total population of 300. Primary data were gathered using structured and non-structured questionnaires, interview schedules and focus group discussions. The study adopts both qualitative and quantitative data analysis. Findings - KWFT micro credit has had a positive impact upon women entrepreneurs on income savings, asset creation and their general social welfare. However, the KWFT's fight against poverty is constrained by socio-culture and other institutional policy issues such as: right to own property, right to education, own land, manage and inherit property, conduct business, among others. Practical implications - Women have shown that they are strong entrepreneurs, borrowers and change agents through WSMEs. Government of Kenya should urgently adopt a gender policy to address socio-culture issues constraining WSMEs. Further, KWFT should avoid cumbersome loan procedures but rather provide quick and convenient access to credit for women entrepreneurs, simple product offerings, with some flexibility to boost fight against poverty. Originality/value - Linking women entrepreneurship in the context of overall fight against poverty in Western Region in Kenya through KWFT; provide opportunity to add knowledge to current literature critical for academia and women entrepreneurship policy in Kenya in particular, as well as Sub-Saharan African region.
机译：目的-这项研究的目的是关注肯尼亚妇女金融信托基金（KWFT）资助的肯尼亚中小企业妇女和中小企业（WSMEs），以减轻贫困。设计/方法/方法-该研究利用了KWFT的横截面数据和KWFT信用受益人的后续实地调查数据。采用了多阶段分层抽样技术，以识别300名总人口中的90名女企业家。主要数据使用结构化和非结构化问卷，访谈时间表和焦点小组讨论进行收集。该研究采用定性和定量数据分析。调查结果-KWFT小额信贷对女性企业家的储蓄，资产创造及其总体社会福利产生了积极影响。但是，KWFT与贫困的斗争受到社会文化和其他体制政策问题的限制，例如：拥有财产权，受教育权，拥有土地，管理和继承财产，开展业务等。实际意义-妇女表明，他们通过WSME成为强大的企业家，借款人和变革推动者。肯尼亚政府应紧急采取性别政策，以解决限制WSME的社会文化问题。此外，KWFT应避免繁琐的贷款程序，而应为女企业家提供快速便捷的信贷渠道，简单的产品服务以及一定的灵活性以促进与贫困的斗争。原创性/价值-通过KWFT，在肯尼亚西部地区与贫困作全面斗争的背景下，将女性企业家精神联系起来；提供机会为特别是在肯尼亚以及撒哈拉以南非洲地区的学术和妇女创业政策至关重要的最新文献中增加知识。

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