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Plus: A tribute to the heads of the small businesses that have kept us going during the pandemic. This therefore means that the growth of the small enterprises depend on the services delivered by microfinance institutions and the growth is expressed in terms of size of the enterprise, level of profits, efficiency and increase in the level of productivity. According to the frame work, the small enterprise is not only impacted on by the services of microfinance institution but also impacted on by other factors such as the government factors like taxation and economic factors which are essential determinants of the success of activities.
The presents concepts, opinions and ideas on microfinance and performance of small scale enterprises and the second part reviews related studies 2. In other words it provides a road map of the development of a small business to a large productive business.
According to Weiss, C. From the evaluation perspective, ToC is part of broader program analysis or program theory. In the development field, it also grew out of the tradition of logic planning models such as the logical framework approach developed from the s onwards.
The notion of developing informed social practice has a long history; practitioners have often sought and used tools to attempt to consciously reflect on the underlying theories for development practice James, Cathy. The globalization of economic activities has un doubtly affected this development. Microfinance is often defined as financial services for poor and low-income clients.
These institutions commonly tend to use new methods developed over the last 30 years to deliver very small loans to unsalaried borrowers, taking little or no collateral. These methods include group lending and liability, pre-loan savings requirements, gradually increasing loan sizes, and an implicit guarantee of ready access to future loans if present loans are repaid fully and promptly.
Through micro finance, many businesses have now tried to stabiles in all parts of Kampala and towns have also grown which has boosted trade in areas like Makindye, kansanga in Kampala. The growth of the country in terms of production has also increased and today the county has joined international trade with other countries as well as joining other international integrations.
Microfinance has gained global acclaim as an important poverty reduction tool in many developing countries Johnson and Rogaly, ; Gibbons and Meehan, ; Armendariz de Aghion and Morduch, ; Copestake, Greeley, Johnson, Kabeer and Simanowitz ; Bakhtiari, According to Morduch , few recent innovations have held much hope for reducing poverty in developing countries as microfinance.
Indeed microfinance is perceived as a crucial driving mechanism towards achieving the millennium development target of halving extreme poverty and hunger by Simanowitz, ; Fernando, ; Arun, Imai and Sinha, Mohammed Yunus1 even described microfinance as a human right.
According to leading advocates in the field, microfinance has the capacity to efficiently and effectively provide sustainable financial services to poor households who are otherwise excluded from the conventional financial systems for lack of collateral.
Casting aside the euphoria on microfinance, a sober question can be asked does microfinance really reduce poverty through enhancing investment in small enterprise? They portray the common conception of microfinance: financial services that formal institutions provide for the poor.
Seibel and Wright and Rippey, challenge these definitions and argue for a more inclusive view of microfinance. They contend that microfinance should be more inclusive and should take into consideration informal financial arrangements such as moneylenders and financial support from relatives which constitute an important source of financial assistance for the poor. Although informal financial services are technically part of microfinance, the term is generally known and used to refer to the provision of financial services to the poor by formal institutions such as the Grameen Bank, BRAC and FINCA.
For instance, when Robinson advocates the movement of microfinance away from subsidised credit to financial intermediation on commercial basis, it is with reference to financial services provided by formal institutions. CGAP, a Microfinance is defined here in relation to its users - rather than in relation to other forms of finance - as the supply of savings, credit, insurance and payment services to relatively poor people. Small enterprise development Small enterprise Development according to Henkin is a progress of positive change quantitatively and qualitatively of a business.
According to Henkin many people define it in their own context according to thin surroundings and immediate needs; the definition in Africa may not be the same as in Europe but there are key components of the definitions that are similar everywhere. According to Dee , small enterprise development is a process by which a business owner is inspired through their institutions in ways that enhance their ability to mobilize and manage resource sustainability to produce sustainable and justify distributed in procumbent in their quality of life consistent with their aims and aspirations.
Small enterprises in Makindye are in rural poor areas comprised of farmers, farmers groups and enterprises have very little collateral Johns tone, and no formal credit history Black, and are thus considered risky investments by traditional banking institutions, Malindini, Microfinance institutions help family farms for rural poor farmers and farmer groups as well as rural enterprises overcome this challenge to running their operations and building their assets through a variety of creative financial solutions, Ongwen, Million; half have been repaid in fall, Machili, In Guatemala farming households are farming 50 villages, banks to increase access to credit.
GMFP, In Ethiopia the microfinance ministry plans to expand financial services into never, served areas potentially touching tens of thousands of farming and related agribusinesses, EMMF, However, all these researches did not put any emphasis on Uganda the country of this study. There could be other ways microfinance institutions lead to rural development in Uganda thus the need for this proposed research. Weine, has also stated that at microfinance institutions provide small scale enterprise loans like agricultural loans are available for a multitude farming purposes.
According to Whyte farmers may apply for loans to buy inputs for the cultivation of food grain crop as well as for horticulture, aquaculture, animal husbandry, and floriculture and sericulture business. According to Perpin Strup , there are also special loans to finance the purchase of agricultural machinery such as tractors, harvesters at microfinance institutions.
Lwakatare has also stated that at microfinance institutions construction of biogas plants and irrigation systems as well as the purchase of agricultural land may also be financed through special types of agricultural finance. There is need to find out how rural agricultural farmers in Uganda use the loans they borrow which is another reason for the proposed research. According to Smillie, an example of this is seen in Botswana where there is the intervention of microfinance in issues like AIDS and equity which is a participatory program that advocates on different gender roles.
Also, According to Willets Microfinance has been combined with other social interventions of business education and with other packages of health interventions that have led to small enterprise development.
Retus, has cited that innovation for poverty action program me of Peru where borrowers randomly received financial training as part of their borrowing group meetings such interventions by microfinance institutions leading up to small enterprise development. It looks at the research design, research population, sampling techniques, data collection instruments and procedure of data collection, mode of data analysis and presentation as well as ethical consideration and limitations of the study.
The research was a descriptive cross sectional survey design where data was collected from a cross the population at one point in time. This design is cheap, less time consuming and easy data collection and analysis Amin Both qualitative and quantitative data collected were used during the data collection.
The target population of this study will consist of 80 respondents having small scale enterprises and those working in the micro finance enterprises. This formula will be employed so as to sample fairly a large size as representation of the total population such that the research findings obtained can be considered valid. Categories Population Sample size Small scale enterprises 50 42 Microfinance institutions 30 25 Total 80 67 Source field 3.
This is because of the nature of data to be collected, the time available, as well as by the objectives of the study. The overall aim of this study is to evaluate the relationship between microfinance and growth of small enterprises in Makindye. The researcher will be concerned with views, option, perception and feelings from the environment.
Such information will be corrected through the questionnaires, and interviews, and because the study will be conversed with variable that cannot be directly observed.
The sample size is also quite large, and given the time constraints and target population is literate and unlikely to have difficulties in responding to questionnaire items, questionnaire is ideal tool for collecting data.
The questionnaires will be self- administered and closed ended so as save time and enable respondents to give relevant choice since different options will be given. This method of data collection is preferred for this study because it gives freedom to respondents to give their truthful opinions since there will be no one to challenge their answers as it is in the case of interviews.
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