MJAMR

The Influence Of Microfinance Loans On Women Empowerment In Rural Areas Of Uganda: A Case Of Kyabugimbi Sub-County In Bushenyi District

Twinomujuni Rosebell, Ahumuza Audrey


Abstract

This study examined the influence of microfinance loans on women empowerment in rural areas of Uganda, with specific focus on Kyabugimbi Sub-County in Bushenyi District. Guided by three research objectives—to assess the effect of individual lending on women's economic empowerment, to examine the influence of group lending on women's social empowerment, and to evaluate the impact of financial literacy training on women's decision-making autonomy—the study adopted a cross-sectional survey design. Data were collected from 214 women beneficiaries of microfinance loans in Kyabugimbi Sub-County using structured questionnaires and focus group discussions. Descriptive analysis revealed that group lending had the highest mean score among microfinance modalities (mean = 3.89, SD = 0.74), while financial literacy training was most strongly associated with decision-making autonomy (mean = 3.76, SD = 0.81). Pearson correlation analysis confirmed significant positive relationships between all microfinance loan variables and women empowerment outcomes. Multiple regression analysis established that the three microfinance dimensions collectively explained 71.3% of variance in women empowerment (R² = 0.713), with group lending as the strongest predictor (β = 0.381). The study concluded that microfinance loans significantly contribute to women empowerment in rural Uganda and recommended expansion of group lending programs, integration of financial literacy into loan disbursement processes, and targeted credit products for rural women entrepreneurs.

Keywords

Microfinance loans women empowerment individual lending group lending financial literacy Kyabugimbi Bushenyi District Uganda.
Metropolitan Journal of Academic Multidisciplinary Research

Cite This Article

Twinomujuni Rosebell & Ahumuza Audrey (2026). The Influence Of Microfinance Loans On Women Empowerment In Rural Areas Of Uganda: A Case Of Kyabugimbi Sub-County In Bushenyi District. Metropolitan Journal of Academic Multidisciplinary Research, 5(6). https://journals.miu.ac.ug/pages/article.php?article_id=492

More in This Issue

View full issue →
16
Staining Intensity Patterns Of Foxp3 And P53 In Prostate Carcinoma: A Molecular Insights From A Sub-Saharan Cohort
Nuwashaba Nicholas, Hassan Wasswa, Valentine Aculet, Mawanda Anatoli, Nixon Niyonziima, Bernard Natukunda, Asasira James Winston, Sekitene Semei Buwambaza, Livex Okwi, and Frank Ssedyabane
17
Staining Intensity Patterns Of Foxp3 And P53 In Prostate Carcinoma: A Molecular Insights From A SubSaharan Cohort
Nuwashaba Nicholas 1,2,3* , Hassan Wasswa4 , Valentine Aculet1, 3 , Mawanda Anatoli4,5, Nixon Niyonziima4 Bernard Natukunda1 ,Asasira James Winston2 , Sekitene Semei Buwambaza2 , Livex Okwi5 , and Frank Ssedyabane1
Staining Intensity Patterns Of Foxp3 And P53 In Prostate Carcinoma: A Molecular Insights From A SubSaharan Cohort
18
Supplier Quality Assurance and Business Performance Of Logistics Companies
Namayanja Mackline, Irumba Alex
Supplier quality assurance business performance logistics Aramex Uganda
19
Supply Chain Management And Operational Efficiency In Logistics Companies: A Case Of DHL Uganda
Supply Chain Management And Operational Efficiency In Logistics Companies: A Case Of DHL Uganda
Supply chain management operational efficiency inventory management supplier relationship management
20
Tax Administration And Tax Revenue Performance In Kampala: A Case Of Kampala City Council Authority (KCCA)
Ndegwa Beatrice Gatwiri1 , Zikusooka Enock2
Tax administration tax revenue performance taxpayer registration tax enforcement