摘要：In an attempt to alleviate poverty and empower poor people,many NGOs and government agencies have been providing credit and social services to rural women in the Kasoa district of Ghana. The goal of these credit schemes is to help the rural poor, especially women earn a living through their on-going income generating activities. (IGA) This study found that micro-credits programs are very helpful in empowering rural women to enhance their economic activities to meet the needs of their families as well as afford them the opportunity to contribute in household decisions. This study concluded that micro-credits schemes empower rural women. Despite the enhanced visible roles assumed by the women due to the credit schemes, there were serious operational lapses. The loans given to the women were inadequate to start and run any viable income generating activity (IGA). In light of this study, an increase in the loan size, developing and encouraging the use of appropriate technology, and increasing repayment time of the loan scheme are recommended.
