Beneficiaries are actors too.pdf - Southern Institute of Peace ...

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academic education and have little formal education which leads to two issues: a lack of knowledge about the existence of financial services for the poor (a solution may be financial literacy campaigns) and little access to microfinance services offered by MFIs. The respondents also consider the size and nature of the business, nepotism and low coverage by MFI (concentration in bigger cities and in deep rural areas leaving out smaller towns) as other screening factors by MFIs. c) Parameters related to efforts by women to get funding for their entrepreneurial ventures: Regarding efforts which are being made by women to raise finance for their businesses in Chinhoyi, almost 63% of the respondents agreed that they have made use of stokvels (rounds) in which they contribute a certain agreed amount of money together and it circulates amongst them until everyone in the group has received her portion and the process repeats again. However, 25% of the respondents did not agree with the idea and 12.5% were neutral. All of the respondents indicated that the current businesses which they were running were financed by savings from the previous business. This indicates that women in business in Chinhoyi are aiming higher and have the saving mentality which is crucial in the society as it makes us to think of the future rather than consuming all that could have been gathered today. Three quarters of the respondents indicated that they have received funds from family members in the diaspora. This is typical of the current situation in Zimbabwe in general due to the harsh economic conditions which prevailed in the past few years. However, 12.5% of the respondents indicated that they have not used or received start-up capital from relatives outside the country whilst the other 12.5% were neutral. The analysis above shows that women in Chinhoyi are not “cry babies” when it comes to the issues of securing finance to start and expand their businesses but they are doing a lot to mitigate the lack of finance. The stokvels initiative allows them to buy more than what one can with her own monies increasing the chances of making profits. 21
d) Indicators of the social and economic impact of the women enterprises as well as personal context particulars: About 50% of the respondents indicated that their businesses have been in existence for 12 to 24 months whilst 25% indicated that their businesses have been in existence for almost a year and the other 25% indicated that their businesses have been in existence for 25 to 36 months. All respondents indicated that employees working for their business range from 1 to less than 50. This is an indication that these are small to medium scale enterprises. About 75% of the respondents indicated that about six to ten family members rely on the profits from the business whilst 25% indicated about one to five dependents. This emphasizes the importance of women businesses considering the family set-ups in which women have become breadwinners in some families as discussed in the literature review. In addition, 37% and 62.5% indicated 20 to 50 percent and 50% and above respectively of the profits from the businesses are allocated to family upkeep, an indication that these small businesses are going a long-way in alleviating poverty in our communities. 25% of the respondents indicated that 10-20% of the profits are channelled to education/ fees whilst 75% goes towards expansion of the business. The majority of members running the business do not exceed 88%, with the majority being both a manager and owner. About 75% of the respondents showed that they do not own properties which can be used as collateral security, an indication that access to finance from the banking sector is not an easy task as it (collateral security) is a major requirement. Microfinance credit is therefore one of the major financial mechanisms which can be used to access finance as it does not require all the paper work compared to the conventional banking system. The majority of business owners (87%) have either an Advanced Level or a certificate from college or less qualification with about 13% having degrees. The level of education can be one of the reasons why access to finance is a problem for most women. 22
Page 1 and 2: Sustainable peace and development a
Page 3 and 4: Sustainable peace and development a
Page 5 and 6: Contents Introduction: The primacy
Page 7 and 8: its work on community, with special
Page 9 and 10: in Africa. The paper highlights the
Page 11 and 12: 1 Women's access to microfinance an
Page 13 and 14: all household members, especially i
Page 15 and 16: family well-being are often higher
Page 17 and 18: “[b]y plugging the gap left by th
Page 19 and 20: As at 30 July 2011 the country's ba
Page 21 and 22: analysis will also be as much infor
Page 23 and 24: not about bemoaning the limited acc
Page 25: approach the MFIs, is that “it wi
Page 29 and 30: Illiteracy creates a situation of d
Page 31 and 32: Disabilities: Lessons from Zambia a
Page 33 and 34: Abbreviations and acronyms CBNRM Co
Page 35 and 36: (Murindagomo, 1990). Its main appro
Page 37 and 38: percentages to the gross domestic p
Page 39 and 40: some trees were not supposed to be
Page 41 and 42: formulation will ensure their total
Page 43 and 44: the commons'. The concept of commun
Page 45 and 46: esources in these government estate
Page 47 and 48: management in Botswana and Namibia:
Page 49 and 50: Introduction This article seeks to
Page 51 and 52: esearchers come to study with backg
Page 53 and 54: the land US$750.00. Mudzi laid the
Page 55 and 56: case the chief's court sought the t
Page 57 and 58: The chief's personality This influe
Page 59 and 60: process of reporting a case is too
Page 61 and 62: and implies that offenders should r
Page 63 and 64: Cases reported to Chief Chounda bet
Page 65 and 66: 4 The role of Indigenous Knowledge
Page 67 and 68: enlarging the range of their choice
Page 69 and 70: this also served to promote food se
Page 71 and 72: development strategies in Africa sh
Page 73 and 74: countries seriously questioned why
Page 75 and 76: especting their realities and prior
Page 77 and 78:
competing knowledge systems, charac
Page 79 and 80:
impressive in transforming poor peo
Page 81 and 82:
must be recognised if it is to be i
Page 83 and 84:
implications for sustainable conser
Page 85 and 86:
Pretty, J. N. (1994) Alternative sy
Page 87 and 88:
Introduction The United Nations Edu
Page 89 and 90:
Science educators have failed in th
Page 91 and 92:
education in this historical era th
Page 93 and 94:
esult may be disastrous. The HIV an
Page 95 and 96:
affairs and ultimately the adoption
Page 97 and 98:
esources, increasing green house ef
Page 99 and 100:
years, and yet it is less than 100
Page 101 and 102:
Fuchs, S. (2000) A social theory of
Page 103 and 104:
6 Re-examining the role of NGOs in
Page 105 and 106:
that NGOs are involved in when tryi
Page 107 and 108:
to see the causes of conflict as go
Page 109 and 110:
which the oil is located are disgru
Page 111 and 112:
communities putting into question t
Page 113 and 114:
The controversies surrounding NGOs'
Page 115 and 116:
conflict ridden African states, whe
Page 117 and 118:
in resolving conflict and peace bui
Page 119 and 120:
Recommendations To work effectively
Page 121 and 122:
Juma, M.K. (2008) Conflict Preventi
Page 123 and 124:
Introduction The Zimbabwean land re
Page 125 and 126:
Government or private agencies. Thi
Page 127 and 128:
credit facilities, new farmers in Z
Page 129 and 130:
control 49 percent in any business
Page 131 and 132:
implementation of investment progra
Page 133 and 134:
the ice-berg. Disadvantaged areas m
Page 135 and 136:
eventual agreement on the implement
Page 137 and 138:
they are simply recipients of polic
Page 139 and 140:
the government embarks on a nationw
Page 141 and 142:
farm ownership in the country. The
Page 143 and 144:
8 Community-driven conflict resolut
Page 145 and 146:
approximately 800,000 Rwandans and
Page 147 and 148:
their mediation skills.” The cell
Page 149 and 150:
well as centre-periphery thesis whi
Page 151 and 152:
justice In the post-genocide era, t
Page 153 and 154:
marginalized and disenfranchised fr
Page 155 and 156:
summarized and simplified versions
Page 157 and 158:
In Rwanda for example, citizens cou
Page 159 and 160:
Although the use of carrot and stic
Page 161 and 162:
abunzi and the formal system beckon
Page 163 and 164:
Kauzya, John-Mary. (2007) Political
Page 165 and 166:
Conclusion All through the papers,
Page 167 and 168:
About the editor Samuel Maruta is t
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