Contributing Criteria of Local Government Authority Loan to the Well-Being of Women with Disabilities in Arusha a Case of Arusha City Council

Women with disabilities face greater challenges than men in accessing economic opportunities, which significantly impacts their overall well-being. This study assessed the contributing factors of local government authority (LGA) loans to the well-being of women with disabilities in Arusha City Council. The research was conducted due to a lack of literature addressing the contribution of LGA loan criteria in improving the well-being of women with disabilities. The unit of analysis was women with disabilities who had accessed LGA loans within the study area. A total of 107 women with disabilities participated in the study. Both qualitative and quantitative data were collected through interviews and questionnaires to gain comprehensive insights into their experiences and outcomes. The study found that criteria such as legal business requirements, awareness creation, financial and entrepreneurship training, and leadership development were statistically insignificant in contributing to the well-being of women with disabilities in the study area. To enhance the effectiveness of LGA loans for women with disabilities, the study recommends introducing loan insurance to reduce borrowing risks, offering individual loan products, and conducting specialized training programs for different LGA loan stakeholders.