Survival, Growth Strategies and Performance of Women Owned Micro and Small Businesses in Tanzania

Charles Stephen Tundui, H. Tundui


This study examines the impact of survival and growth strategies adopted by the women micro and small
business on performance of their enterprises. The data used in this study were obtained through a survey of 221
microcredit borrowers from PRIDE Microfinance program in Tanzania. The study uses logistic regression
analysis to analyse the data. Study results have shown that among the growth strategies adopted by the owners,
non-separation of business resources from household resources and ownership of multiple enterprises have a
positive effect on enterprise profitability, while the use of unpaid family labour has a negative effect on
enterprise profitability. Of the studied household and individual level variables, only household income; and
business skills had a positive effect on enterprise performance. Taken together, these results suggest that
intermingling of household and business resources; and household incomes were more important in the
performance of women enterprises that are supported by microcredit.

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