Marital status on women's experiences in <scp>VSLA</scp> in Fort Portal, Uganda

Abstract Objective This study examined how marital status influences women's financial engagement and opportunities in Village Savings and Loan Associations (VSLAs) in Fort Portal, Uganda. Background VSLAs are vital for providing access to financial services in areas with limited traditional banking. Although previous studies have highlighted the benefits of VSLAs, there is limited research on how women's marital status affects their experiences within these groups. Method This qualitative study used focus group discussions conducted in July 2023, involving 51 participants from five VSLA groups in Fort Portal. Participants included married women, single women, widows, VSLA male members, and husbands of VSLA participants. The discussions were guided by semistructured questions and analyzed through thematic content analysis. Results Nine themes emerged, categorized into financial aspects, social aspects, and marital status and gender dynamics within VSLAs. Limited financial resources often led to inequitable loan access, with prioritization based on loan purpose and member tenure. Women frequently used loans for life events rather than income‐generating activities, complicating repayment. Participants expressed a need for improved financial literacy and income‐generating skills. Social connections were crucial for joining VSLAs, which also provided significant social support. Marital status affected loan access, with widows and single women facing greater challenges. Empathy and concerns were evident based on marital status, and men were recognized as valued contributors to VSLAs. Conclusion The study underscores the need for targeted interventions to address disparities faced by widows and single women in accessing VSLA loans. Improving financial literacy and supporting income‐generating activities can enhance VSLA effectiveness. Fostering an inclusive environment within VSLAs will better address the diverse needs of all members. Future research should investigate the longitudinal impacts and regional variations in how marital status affects women's financial engagement and opportunities within VSLAs.