European Journals of Business Management

FACTORS LEADING TO DISPARITY IN WOMEN ENTERPRISE LOAN REPAYMENT IN SELECTED RURAL CONSTITUENCIES IN KENYA

Zipporah Wanjiku Njoroge
Jomo Kenyatta University of Agriculture and Technology
KENYA
    
Jane Wangechi Kariuki

Jomo Kenyatta University of Agriculture and Technology
KENYA
    
Dr.  Kennedy Ogollah
Jomo Kenyatta University of Agriculture and Technology
KENYA
    

CITATION: Njoroge, W. Z., Kariuki, W. J & Ogollah, K. (2014). Factors Leading to Disparity in Women Enterprise Loan Repayment in Selected Rural Constituencies in Kenya. European Journal of Business Management, 1 (11), 275-298.

ABSTRACT

The government of Kenya has invested heavily to provide women with funds to start up entrepreneurial ventures or improve on existing ones. The purpose of this study was to assess the factors leading to disparity in women enterprise fund (WEF) loans repayment in various constituencies including Rongai, Lugari and Muhoroni constituencies. The independent variables studied included; managerial skills, marketing orientation, entrepreneurial orientation and entrepreneurial orientation while enterprise performance was intervening variable and the dependent variable was enterprise loan repayment. Descriptive research design was adopted. The target population of the study was 3,695 women entrepreneurs from the three randomly selected constituencies.  Enterprises were stratified on constituency basis and purposive sampling technique applied to obtain a research sample of 340 women entrepreneurs. Women owned MSEs whose owners had accessed the WEF loans were units of analysis while the owners were the units of observation. Primary data was collected through a semi-structured questionnaire and analyzed through descriptive statistics. Inferential statistics; stepwise and multiple regression analysis were done to establish relationship between variables and the direction of the relationship. The study revealed that low managerial skills level occasioned by low education attainment, lack of entrepreneurial features and experience, inadequate entrepreneurial networking and inappropriate marketing approaches hindered enterprise performance resulting in inability to meet financial obligations. In the study, it was found that there existed a positive relationship between managerial skills, market orientation, entrepreneurial orientation and entrepreneurial networks and women enterprise loan repayment. It was concluded that women’s managerial skills, entrepreneurial orientation, marketing orientation and entrepreneurial networking significantly influenced disparity in WEF loan repayment. From the findings; it was recommended that women entrepreneurs should enhance acquisition of managerial skills through higher education and training, enhance their entrepreneurial skills and experiences, adopt progressive market driven marketing approaches and network extensively to improve enterprise performance and hence the ability to repay WEF loans.


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