Effectiveness of local government financial policy implementation in reducing poverty among women : a case of Dodoma City Council-Tanzania

다국어 초록 (Multilingual Abstract)

This study examines local government financial policy's effectiveness in reducing poverty among women- A case of Dodoma city council, Tanzania. The main purpose of the research is to find out the factors hindering women’s accessibility to financial services as well as to examine the impacts of local government financial policy in reducing poverty among women.
The study adopted a quantitative research methodology to assess the perception of 300 women registered under the community development department who have access to local government financial services. The findings of this study revealed that organizational effects are positive and significantly related to enabling women the financial service accessed to meet their demands. Further, the study revealed that corruption has a negative significant on loan accessibility and loan meeting demand which is caused by asking for benefits and demands from government officials.
Therefore, unnecessary bureaucratic by local government officials should be reduced to enable effective implementation of the financial policy. It is recommended that the Prevention and Combating of Corruption Bureau (PCCB) should work effectively at the district level and have a third eye in the implementation of local government financial policy. Also, the study proposes policymakers amend the loan percentage of the local government's own-source collection from 10% to 20% to enable many women to have access to financial services offered by the local government.

목차 (Table of Contents)

• List of Tables iv
• List of Figures v
• Abbreviations vii
• Abstract viii
• Chapter 1. Introduction 1
• 1.1 Background 1
• 1.2 Problem Definition 5
• 1.3 Structure of Thesis 8
• Chapter 2 Contextualizing Financial Accessibility in Tanzania 10
• 2.1 Introduction 10
• 2.2 Women and Access to financial services in Tanzania 11
• 2.3 Financial Services and Women’s Poverty Alleviation in Tanzania 12
• 2.4 Impact of financial services accessed by women in Tanzania 14
• 2.5 Accessibility to financial services in Tanzania 15
• 2.6 Access to Financial Services as a Driver for Development Agenda 2025 16
• 2.7 Poverty reduction in Tanzania 17
• Chapter 3 Literature Review 22
• 3.1 Introduction 22
• 3.2 Concept of Financial Accessibility 22
• 3.3 Administrative Organization on Financial accessibility 26
• 3.4.1 Dimension of Fairness 29
• 3.6 Concept of Documentation 32
• 3.7 Concept of Location. 33
• 3.8 Vulnerable Group Theory of Financial Inclusion 34
• Chapter 4 Analytical Framework and Methodology 37
• 4.2 Analytical Framework 37
• 4.2.2 Dependent variables 38
• 4.3 Main Hypothesis 40
• 4.5 Data Collection Strategy 46
• 4.6 Data Analysis 49
• 4.7 Factor Analysis 52
• Chapter 5. Results and Discussion 57
• 5.1 Socio-Demographic Characteristics of Respondent 57
• 5.2 Descriptive statistics 60
• 5.3 Chi-square Analysis 65
• 5.5 Results of Hypothesis Test 85
• 5.6 Summary of key research findings and discussion 92
• Chapter 6. Conclusion and Policy Implications 98
• 6.1 Conclusion 98
• 6.2 Policy Implication 100
• Appendix 107
• Questionnaire Survey 107
• Swahili Questionnaire 116
• Abstract in Korean 126