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TOPIC THE EFFECT OF MICROCREDIT ON EMPOWERING RURAL WOMEN IN SUNYANI MUNICIPAL INTRODUCTION According to (Murdock, 1997) microcredit scheme

are non-banks financial institution that have provided a new paradigm for thinking about social and economic development. This non-bank financial institution seek to offer small loans to the poor to either initiate or expand income generating activities to improve to improve their livelihood. Poverty or lack of financial support to support or sustain their livelihood has made majority of poor woman especially those in rural areas socially and economically disempowered. International aid donors, government, scholars and other development expert have paid much attention to microfinance as a strategy capable of reaching woman and involving them in development process, this is because woman are considered poorest among the poor, spend more on their families and manage microcredit more efficiently and sustainably According to (Chowdhury and Bhuiya 2001) microcredit has implication for womens economic and social empowerment, which in turn has implication for their overall empowerment and improvement in their childrens well-being. This empowerment has been defined into three paradigms: Poverty alleviation paradigm, this is focused on poverty-targeted programmes which are aimed at reducing poverty among the poorest, increase well-being and community development. (ii) Feminist empowerment paradigm: underlies the gender or policies of many NGOs and the perspective of some of the consultant and researchers are looking at gender impact of microfinance programmes (iii) Financial self-sustainability paradigm: currently dominant within most donor and models of microfinance promoted publication by USAID, World Bank, UNDP, CGAP and microcredit summit campaign, the main consideration in programs design in provision of financially selfsustainable microfinance services to a large number of poor people particularly micro and small entrepreneurs. (John, 1997) STATEMENT OF PROBLEM Despite the increase support for microcredit, there seem to be an ongoing debate in the academic literature as to the effectiveness of microcredit in the empowerment of woman. The dilemma is whether access to micro credit per se has an explicit ability to empower women considering it size and procedure and if they do, in which ways do women get empowered, what sort of women get empowered, given the many social and economic factors that affect Ghanaian women

especially those living in rural areas and lastly does mere access to microcredit offer potential for their empowerment. RESEARCH OBJECTIVES This research seeks to find out 1. How women are empowered through microcredit 2. How easy do poor women access microcredit facilities? 3. Has microcredit increases household income of rural women 4. Are these women content to the services provided by microcredit facilities? 5. Are these women willing to access more microcredit if available from different microcredit agencies? RATIONALE Microfinance loans provide an option to women and people who are not eligible to receive traditional loans, such as those who are unemployed, possess few assets for collateral or lack a credit record to access services through the formal financial sector hence the empowerment of women through easy accessibility of loans is very paramount to any nations development and from the 2010 PHC women form greater proportion of our population This means that if women are empowered it would go a long way to developing many and even the nation at large.

ABTRACT Malaria has been known for the past decade as a disease that poses a major health threat to many people in sub-saharan Africa. This disease is caused by the bite of an infected female anopheles mosquito with lots of complication in children under five years old and pregnant women. Four plasmodium species have been known of malaria parasites but plasmodium falciparum causes severe malaria among pregnant women and children less than five years. Plasmodium gambiae is the species that causes malaria infection in Navrongo. The disease has attracted the governments attention because of its known in Ghana as the leading killer of disease with its many effects in the economy of this nation since huge sums of money is spent each year in the treatment and prevention of malaria alone with larger proportions of this spent in the three Northern regions in Ghana.This prompted my delight to study into mothers and expectants mothers knowledge on the disease in the Navrongo War Memorial Hospital. The analysis of the study reveals the following. Nursing mothers and expectants has good knowledge on malaria and attend antenatal care on the onset of pregnancy till delivery and continue post-natal care for the good development and growth of their babies. The abstract was changed The rate of infant mortality among mothers in the district was found alarming but there are various policies put in place to reduce this menace and these policies have worked positively in the selected area of study.