Factors influencing expenditure among women in rural areas of Uganda.
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High expenditure among women in rural areas can lead to increased financial strain, limited access to essential resources, and reduced opportunities for economic empowerment, potentially perpetuating cycles of poverty and inequality within these communities. This study utilized Finscope 2018 data, this data was refined, and a sample size of 1310 rural women participants was considered. This data was then analyzed in four different phases the preliminary stage using excel spreadsheet, bivariate phase and multivariate phase which presented the determinates of rural women expenditure using a binary logistic model by the help of STATA 17.0 MP a statistical software. Results in this study show that 35.34% of rural women were aged between 22-32 years, 47.10% were married(monogamy),a considerate proportion of about 59.77% live in households with about 1-5 members, 46.72% had some primary level of education but did not complete P.7, 58.17% relied on money from trading/selling agricultural produces. A multivariate logistic analysis showed that the factors that significantly increased the odds of expenditure among women in rural areas of Uganda were being married (monogamy & polygamy), age bracket of 22-65 years, living in household with members between 6-10, relying on casual labor/piece work/ occasional work, providing a service and Money from trading/selling. The study further noted that the odds of expenditure among rural women who borrow money from an institution or individual were 1.303 times more than those who did not borrow and lastly the odds of women who send money to their children were 1.212 times more than those who did not send. These findings emphasize the importance of considering marital status, age, and household size when addressing expenditure patterns among rural women, these findings also underscored the role of income diversification and stability in managing expenditure among rural women, lastly it highlighted the interconnectedness of financial decisions within households and suggests that money transfers and borrowing practices can impact overall expenditure levels. The researcher recommends policy makers, government agencies and non-government organizations to consider conducting public awareness campaigns on responsible spending, debt management, and the importance of financial planning for rural women. These campaigns can be delivered through community outreach and media channels.