Examining the Influence of Nonperforming Loans on Women, Youth and People wth Disabilities’ Fund in Local Government Authority

Abstract

iv ABSTRACT This study investigates the influence of nonperforming loans on the women, youth, and people with disabilities’ fund in Chamwino District Council--Dodoma, Tanzania aimed at looking into three objectives. One of which was to examine the causes of nonperforming loans on women, youth and people with disabilities’ fund, secondly was to assess the effect of nonperforming loans on women, youth and people with disabilities’ fund, and lastly was to identify the method used to tackle nonperforming loans on women, youth and people with disabilities fund. All these objectives were focused in Local Government Authority: A Case of Chamwino District Council—Dodoma, Tanzania. A mixed-methods approach involving surveys and interviews with the respective groups was utilized. Findings reveal that limited access to educational resources contributes to 65% of nonperforming loans among women, while 78% of youth non-repayments result from the absence of sustainable income-generating activities. Discrimination and societal prejudices lead to 55% of nonperforming loans among People with disabilities. The study emphasizes the necessity for targeted interventions addressing education, income generation, and societal attitudes to mitigate the causes of nonperforming loans among vulnerable groups. Statistical analysis highlights increased financial vulnerability for Women (82%), hindered socio-economic advancement for Youth (75%), and intensified financial struggles for People with disabilities (60%) due to nonperforming loans. Stakeholder responses suggest the effectiveness of legal actions (68%) and the empowering role of education (72%) in deterring non-repayment. However, perceived inclusivity gaps (58% Women, 63% Youth, 55% People with disabilities) underscore the need for tailored strategies to address demographic-specific challenges. The study recommends implementing comprehensive education programs, exploring individual loans, and incorporating regular check-ins for a more equitable and effective approach to financial empowerment programs