Microcredit And Women

Author : Aminul Faraizi,Taskinur Rahman,Jim McAllister
Publisher : Routledge
Page : 161 pages
File Size : 48,6 Mb
Release : 2014-04-04
Category : Business & Economics
ISBN : 9781136868221

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Microcredit and Women's Empowerment by Aminul Faraizi,Taskinur Rahman,Jim McAllister Pdf

Using a case study of Bangladesh, and based on a long term participatory observation method, this book investigates claims of the success of microcredit, as well as the critiques of it, in the context of women’s empowerment. It confronts the distinction between women’s increasing wealth as a consequence of the success of microcredit programmes and their apparent non-commensurate empowerment, looking at two organisations (the Grameen Bank and the Bangladesh Rural Advancement Committee) as they operate in two localities in rural Bangladesh, in order to discover how enrichment and empowerment are often confused. The book goes on to establish that the well-publicised success stories of the microcredit programme are blown out of proportion, and that the dynamics of collective responsibility for repayment of loans by a group of women borrowers – usually seen to be a tool for the success of microcredit – is in fact no less repressive than traditional debt collectors. This book makes a contribution to development debates; challenging adherents to more closely specify those conditions under which microcredit does indeed have validity, as well as providing insights relevant to South Asian Studies and Development Studies.

Author : Lynn Horton
Publisher : Cambridge University Press
Page : 265 pages
File Size : 48,8 Mb
Release : 2018
Category : Business & Economics
ISBN : 9781108418720

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Women and Microfinance in the Global South by Lynn Horton Pdf

Women and Microfinance in the Global South is a grounded exploration of the intersections of neoliberal ideology and feminism.

Author : Smitha Radhakrishnan
Publisher : Duke University Press
Page : 160 pages
File Size : 44,5 Mb
Release : 2021-10-25
Category : Social Science
ISBN : 9781478022169

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Making Women Pay by Smitha Radhakrishnan Pdf

In Making Women Pay, Smitha Radhakrishnan explores India's microfinance industry, which in the past two decades has come to saturate the everyday lives of women in the name of state-led efforts to promote financial inclusion and women's empowerment. Despite this favorable language, Radhakrishnan argues, microfinance in India does not provide a market-oriented development intervention, even though it may appear to help women borrowers. Rather, this commercial industry seeks to extract the maximum value from its customers through exploitative relationships that benefit especially class-privileged men. Through ethnography, interviews, and historical analysis, Radhakrishnan demonstrates how the unpaid and underpaid labor of marginalized women borrowers ensures both profitability and symbolic legitimacy for microfinance institutions, their employees, and their leaders. In doing so, she centralizes gender in the study of microfinance, reveals why most microfinance programs target women, and explores the exploitative implications of this targeting.

Author : Samjhana Wagle
Publisher : Cook Communication
Page : 129 pages
File Size : 45,5 Mb
Release : 2020-08-18
Category : Business & Economics
ISBN : 8210379456XXX

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Microcredit and women's empowerment by Samjhana Wagle Pdf

Micro-credit has been taken as a prominent tool for poverty alleviation and women's empowerment. This book has presented the double-edged claim of microcredit proponents that microcredit not only supports rural poor to come out of poverty, it also empowers poor rural women in particular. This book is mainly grounded on research based on Bandipur Rural Municipality of Nepal. It has made the study of women from 3 settlements of Bandipur, who had availed microcredit facilities from some microcredit providing institutions or organizations in Bandipur. The data has been analyzed through qualitative data analysis under which both descriptive and explanatory methods. The data analysis is made on the basis of caste/ethnic group. The results showed that most of the females who availed the facility of microcredit finally got socioeconomic empowerment through acquiring the access to capital, control over resources, self-esteem, confidence level, decision making power, etc. Results are varied on Dalit, Janajati and Brahmin/Chhetri women. The findings showed that microcredit has significant impact on the upliftment of socio-economic empowerment of the borrowers of Bandipur. The income pattern of the respondent women has been changed. Daily wage earning and agricultural production were the main source of income before joining the program but after joining the microcredit program the sources of income shifted to small scale business, sale of livestock product and agricultural product. Entrepreneurship in microcredit beneficiary women has been increased. Apart from the changing income pattern, role of women in decision making about the resources mobilization for household activities, participation in societal affairs has also been increased. The economic dependency had restricted women in decision making power in all the spheres not only economical but also in other family and social affairs. But it has been changed now. Since, women are capable to generate regular income from their small enterprises; their dependency on male for money is reduced. Women's confidence and social status has increased after involvement in MC programs. Microcredit, though an effective poverty alleviating instrument, is not suitable for all categories of the poor. For those trapped in chronic poverty, no assets base to protect themselves from the countless webs of shocks, microcredit can be ineffective and sometimes counterproductive. Some cases of Dalit settlement have proved it.

Author : P. J. Christabell
Publisher : Concept Publishing Company
Page : 276 pages
File Size : 43,5 Mb
Release : 2009
Category : Microfinance
ISBN : 8180694453

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Women Empowerment Through Capacity Building by P. J. Christabell Pdf

Study on the role of microfinance in building up economic and democratic capacity of women in India.

Author : Lamia Karim
Publisher : U of Minnesota Press
Page : 292 pages
File Size : 50,8 Mb
Release : 2011
Category : Social Science
ISBN : 9780816670949

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Microfinance and Its Discontents by Lamia Karim Pdf

The first feminist critique of the much-lauded microcredit process in Bangladesh.

Author : K. Kalpana
Publisher : Routledge
Page : 207 pages
File Size : 48,8 Mb
Release : 2016-07-07
Category : Business & Economics
ISBN : 9781134860043

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Women, Microfinance and the State in Neo-liberal India by K. Kalpana Pdf

This book discusses women-oriented microfinance initiatives in India and their articulation vis-à-vis state developmentalism and contemporary neo-liberal capitalism. It examines how these initiatives encourage economically disadvantaged rural women to make claims upon state-provided microcredit and connect with multiple state institutions and agencies, thereby reshaping their gendered identities. The author shows how Self-Help Group (SHG)-based microfinance institutions mobilise agency and create channels of empowerment for women as well as make them responsible for alleviating poverty for themselves and their families. The book also brings out the importance of factoring in women’s dissenting voices when they negotiate developmental projects at the grassroots level. Rich in empirical data, this volume will be useful to scholars and researchers of development studies, gender studies, economics, especially microeconomics, politics, public policy and governance.

Author : Aminur Rahman
Publisher : Routledge
Page : 153 pages
File Size : 49,7 Mb
Release : 2019-05-20
Category : Political Science
ISBN : 9780429982651

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Women And Microcredit In Rural Bangladesh by Aminur Rahman Pdf

The Grameen Bank of Bangladesh has been extending small loans to poor borrowers (primarily women) to promote self-employment and income generation since 1976. The apparent success of the Grameen Bank (that is, recruitment of clients, investment of loans, recovery rates on invested loans and profit margins) has made microcredit a new model for poverty alleviation and sustainable development. Anthropological research results on Grameen Bank lending to women presented in this book, however, illuminates the link between the success of the bank and debt-cycling of borrowers. The priority of earning profits to insure institutional economic viability caused Bank employees at the grassroots level to emphasize increasing the number of loans disbursed and loan recovery. By using the joint liability model of lending, the Bank workers and borrowing peers impose intense pressure on clients for timely repayment. Many borrowers maintain their regular payment schedules, but do so through a process of loan recycling (that is, pay off previous loans with new ones) that considerably increases borrower debt liability. The debt burdens on individual households in turn increase tension and anxiety among household members and produce unintended consequences for many clients.This book examines women borrowers' involvement with the microcredit program of the Grameen Bank, and the grassroots lending structure of the bank; it illustrates the implications of Grameen lending for the borrowers, their household members and bank workers. The focus of the study is on the processes of village-level microcredit operation; it addresses the realities of the day-to-day lives of women borrowers and bank workers and explains informant strategies for involving themselves in this microcredit scheme. The study is on the power dynamics of everyday lives of informants as they affect women borrowers' relationships within the household and the loan centers, and bank worker relationships within the loan center and the bank.

Author : Isabelle Guérin,Jane Palier
Publisher : Unknown
Page : 392 pages
File Size : 51,6 Mb
Release : 2005
Category : Microfinance
ISBN : UCSD:31822035680404

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Microfinance Challenges by Isabelle Guérin,Jane Palier Pdf

Contributed papers presented earlier in a conference.

Author : SAMJHANA. WAGLE
Publisher : Unknown
Page : 130 pages
File Size : 50,8 Mb
Release : 2020-08-18
Category : Electronic
ISBN : 1716645794

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Micro Credit and Women's Empowerment by SAMJHANA. WAGLE Pdf

Micro-credit has been taken as a prominent tool for poverty alleviation and women's empowerment. This book has presented the double-edged claim of microcredit proponents that microcredit not only supports rural poor to come out of poverty, it also empowers poor rural women in particular. This book is mainly grounded on research based on Bandipur Rural Municipality of Nepal. It has made the study of women from 3 settlements of Bandipur, who had availed microcredit facilities from some microcredit providing institutions or organizations in Bandipur. The data has been analyzed through qualitative data analysis under which both descriptive and explanatory methods. The data analysis is made on the basis of caste/ethnic group. The results showed that most of the females who availed the facility of microcredit finally got socioeconomic empowerment through acquiring the access to capital, control over resources, self-esteem, confidence level, decision making power, etc. Results are varied on Dalit, Janajati and Brahmin/Chhetri women. The findings showed that microcredit has significant impact on the upliftment of socio-economic empowerment of the borrowers of Bandipur. The income pattern of the respondent women has been changed. Daily wage earning and agricultural production were the main source of income before joining the program but after joining the microcredit program the sources of income shifted to small scale business, sale of livestock product and agricultural product. Entrepreneurship in microcredit beneficiary women has been increased. Apart from the changing income pattern, role of women in decision making about the resources mobilization for household activities, participation in societal affairs has also been increased. The economic dependency had restricted women in decision making power in all the spheres not only economical but also in other family and social affairs. But it has been changed now. Since, women are capable to generate regular income from their small enterprises; their dependency on male for money is reduced. Women's confidence and social status has increased after involvement in MC programs. Microcredit, though an effective poverty alleviating instrument, is not suitable for all categories of the poor. For those trapped in chronic poverty, no assets base to protect themselves from the countless webs of shocks, microcredit can be ineffective and sometimes counterproductive. Some cases of Dalit settlement have proved it.

Author : M. Lakshmi Narasaiah
Publisher : Discovery Publishing House
Page : 164 pages
File Size : 53,7 Mb
Release : 2008
Category : Microfinance
ISBN : 8183563147

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Microcredit and Women by M. Lakshmi Narasaiah Pdf

Author : Faraha Nawaz
Publisher : Springer
Page : 127 pages
File Size : 44,9 Mb
Release : 2019-03-01
Category : Social Science
ISBN : 9783030135393

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Microfinance and Women’s Empowerment in Bangladesh by Faraha Nawaz Pdf

This book examines the effects of policies and practices of microfinance NGOs in empowering rural women in Bangladesh. Nawaz seeks to unpack the untold narratives of women's empowerment and to fill the current knowledge gap in this area. The book goes beyond the narrow minimalist evaluation of microfinance that only focuses on women’s economic empowerment through their ability to access financial resources. Rather, it looks at whether and how microfinance empowers women in a holistic manner across the socio-cultural, psychological and political spheres of life. The author argues that microfinance reduces levels of poverty, which means that women are better able to meet their practical gender needs; however, they are not empowered unless they are also able to meet their strategic gender needs, including the transformation of gender power relations from the household to state arenas. Therefore, the book argues that in order to bring about higher levels of empowerment, microfinance programs must be combined with other services such as financial literacy, socioeconomic training, education, healthcare, social mobilization and legal support. Microfinance and Women’s Empowerment in Bangladesh will be of interest to students and scholars across a range of disciplines, including Gender Studies, Development Studies, and Politics.

Author : Linda Mayoux
Publisher : Unknown
Page : 77 pages
File Size : 50,9 Mb
Release : 2000
Category : Electronic
ISBN : 9221123308

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Micro-finance and the empowerment of women : a review of the key issues by Linda Mayoux Pdf

Author : Malika Basu
Publisher : Shaker
Page : 344 pages
File Size : 48,9 Mb
Release : 2008
Category : Business & Economics
ISBN : NWU:35556038844668

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The Microcredit Business and Women's Empowerment in India by Malika Basu Pdf

Author : Das, Ramesh Chandra
Publisher : IGI Global
Page : 452 pages
File Size : 54,7 Mb
Release : 2018-08-17
Category : Business & Economics
ISBN : 9781522552413

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Handbook of Research on Microfinancial Impacts on Women Empowerment, Poverty, and Inequality by Das, Ramesh Chandra Pdf

One of the major tools of attaining proper development all around the world is complete financial inclusion, such that all classes of people can secure their lifestyles through access to financial services from formal sectors. Expanding access to resources and increasing self-employment opportunities help reduce poverty and improve social development. The Handbook of Research on Microfinancial Impacts on Women Empowerment, Poverty, and Inequality is an essential reference source that discusses the role of financial inclusion in gender equality, as well as economic independence and self-employment. Featuring research on topics such as inequality, collaborative economy, and social responsibility, this publication is ideally designed for policy makers, economic researchers, and academicians seeking coverage on social mobilization, capital formation, capacity building, and pro-poor economy designs.