Abstract
This study examined access to credit by the informal sector players and its contribution to sustainable livelihood of Jua Kali metal fabricators located in Kamukunji in Nairobi. Specifically, it focused on extent of access to non-governmental credit organizations (NGCO’s), and informal credit organization’s (ICO’s) by informal sector players and its contribution to sustainable livelihood of Jua Kali metal fabricators at Kamukunji. The study was conducted on 160 metal business owners whose workshops are located in Kamukunji area in Nairobi. It used purposive sampling in which questionnaires and interview schedules were administered to jua kali metal fabricators in different workshops. The data collected was analyzed using SPSS and processed using descriptive statistics from which the findings were summarized using percentages, frequency, mean and standard deviation to facilitate interpretation. Under correlation, the study found that access to NGCO’s(X2) was positively and significantly associated with sustainable livelihood, with a correlation coefficient of 0.673 (p < 0.01), indicating a moderate yet significant positive relationship between the two variables. Lastly, ICO’s (X4) were found to have a significant positive correlation (correlation coefficient of 0.628, (p < 0.01) with sustainable livelihood of Jua Kali metal Fabricators, suggesting a modest yet meaningful association between informal credit organizations and sustainable livelihood of steel fabricators in Kamukunji. Results based on NGCO’s and ICO’s revealed a noteworthy positive correlation between non-governmental credit organizations and sustainable livelihood among the metal fabricators. Similarly, regression results showed that non-governmental credit organizations with its coefficient (β = 0.644) and p-value (p = 0.000), indicated significant predictor of sustainable livelihood among the players. Lastly, correlation analysis results of the second objective revealed a statistically significant positive association between informal credit organizations and sustainable livelihood. Regression analysis revealed that informal credit organizations had a positive and significant effect on sustainable livelihood of the Jua Kali metal Fabricators.
Key Words: Access to Credit, Informal Sector Players, Sustainable Livelihood, Jua Kali Metal Fabricators, Non-Governmental Credit Organizations, Informal Credit Organization’s