Women S Empowerment And Microcredit Programmes In India

Author : Annabel Dulhunty
Publisher : Taylor & Francis
Page : 124 pages
File Size : 41,8 Mb
Release : 2023-08-21
Category : Social Science
ISBN : 9781000928716

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Women’s Empowerment and Microcredit Programmes in India by Annabel Dulhunty Pdf

Women’s Empowerment and Microcredit Programs in India examines the value of microcredit-based self-help groups (SHGs) for women in India and provides an alternative model for women’s empowerment programming. The microcredit sector continues to boom globally - with private investors, governments and multilateral financial institutions all investing substantial amounts in self-help group programming. Nowhere is this more evident than in India, where the industry has further been deregulated in recent years. Much of the rationale for increased investment in microcredit is based on the idea that it improves ‘women’s empowerment’. But is this true? Researchers have fiercely debated the value of microcredit programs for women, with some arguing that it is exploitative, and others contending that it is empowering. This book provides new insights into women’s empowerment and microcredit programming, elaborating on the themes of power, dignity, mobility and solidarity. It takes a nuanced view of the complexities surrounding self-help group programming and women’s empowerment and argues that the model of microcredit self-help group programming is key to whether it helps or harms women. By focusing on the experiences and voices of microcredit self-help group members in West Bengal, India, this book elaborates on the idea of microcredit models existing on a continuum, from ‘smart economics’ to more holistic feminist versions of programming. It will be of interest to scholars in development studies, anthropology, sociology, gender studies and public policy and Asian Studies.

Author : Annabel Dulhunty
Publisher : Unknown
Page : 0 pages
File Size : 52,9 Mb
Release : 2023
Category : Microfinance
ISBN : 1003356400

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Women's Empowerment and Microcredit Programs in India by Annabel Dulhunty Pdf

"Women's Empowerment and Microcredit Programs in India examines the value of microcredit-based self-help groups (SHGs) for women in India and provides an alternative model for women's empowerment programming. The microcredit sector continues to boom globally - with private investors, governments and multilateral financial institutions all investing substantial amounts in self-help group programming. Nowhere is this more evident than in India, where the industry has further been deregulated in recent years. Much of the rationale for increased investment in microcredit is based on the idea that it improves 'women's empowerment'. But is this true? Researchers have fiercely debated the value of microcredit programs for women, with some arguing that it is exploitative, and others contending that it is empowering. This book provides new insights into women's empowerment and microcredit programming, elaborating on the themes of power, dignity, mobility and solidarity. It takes a nuanced view of the complexities surrounding self-help group programming and women's empowerment and argues that the model of microcredit self-help group programming is key to whether it helps or harms women. By focusing on the experiences and voices of microcredit self-help group members in West Bengal, India, this book elaborates on the idea of microcredit models existing on a continuum, from 'smart economics' to more holistic feminist versions of programming. It will be of interest to scholars in development studies, anthropology, sociology, gender studies and public policy and Asian Studies"--

Author : P. J. Christabell
Publisher : Concept Publishing Company
Page : 276 pages
File Size : 41,6 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 : Neera Burra,Joy Deshmukh-Ranadive,Ranjani K Murthy
Publisher : SAGE
Page : 376 pages
File Size : 41,9 Mb
Release : 2005-11-05
Category : Business & Economics
ISBN : 0761933662

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Micro-Credit, Poverty and Empowerment by Neera Burra,Joy Deshmukh-Ranadive,Ranjani K Murthy Pdf

"Two persistent problems that affect a significant portion of Indian women are poverty and violation of their human rights. In recent years, micro-credit has come to be viewed as a vital tool to ameliorate both conditions. However, there are few studies in the Indian context which test the validity of the assumption that there is a linear link between micro-credit, poverty reduction and women's empowerment. This volume brings together revealing case studies of micro-credit interventions made by six non-governmental and quasi-governmental bodies in five states of peninsular India, several of which have been supported by the United Nations Development Programme (UNDP)." "The six case studies are diverse in terms of their socio-economic and geo-political contexts, the nature and ideological orientation of the intermediary organizations, the groups largeted by the projects (exclusively women or men and women); and the life-spans of the projects. Despite their differences, all the studies offer useful lessons on the institutional structures and processes that do or do not facilitate women's empowerment and poverty reduction, while exploring the potential and limitations of micro-credit to achieve these twin goals. This book will be useful for students and scholars of economics, women's studies, development studies and social work, while being of equal interest to policy-makers planners, activists and NGOs."--BOOK JACKET.

Author : Malika Basu
Publisher : Shaker
Page : 344 pages
File Size : 41,6 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 : Samjhana Wagle
Publisher : Cook Communication
Page : 129 pages
File Size : 51,9 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 : Isabelle Guérin,Jane Palier
Publisher : Unknown
Page : 392 pages
File Size : 44,5 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 : Raji Ajwani-Ramchandani
Publisher : Emerald Group Publishing
Page : 336 pages
File Size : 49,8 Mb
Release : 2017-10-17
Category : Business & Economics
ISBN : 9781787144255

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The Role of Microfinance in Women's Empowerment by Raji Ajwani-Ramchandani Pdf

Delving into the effects of microfinance in both rural and urban communities, this book will be of interest to researchers of women studies, microfinance, and development economics.

Author : Aminul Faraizi,Taskinur Rahman,Jim McAllister
Publisher : Routledge
Page : 161 pages
File Size : 49,7 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 the case study of Bangladesh and based on a long term participatory observation method, this book investigates the 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 not-commensurate empowerment, and looks at two organisations operating in two localities in rural Bangladesh in order to discover how these concepts are often confused. The book goes on to establish that the 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 success of microcredit - is in fact no less repressive than traditional debt collectors. It is a worthwhile contribution to development debates, challenging adherents to more closely specify those conditions under which microcredit does indeed have validity, as well as providing useful research for South Asian Studies and Development Studies"--

Author : SAMJHANA. WAGLE
Publisher : Unknown
Page : 130 pages
File Size : 53,8 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 : Murlidhar A. Lokhande
Publisher : Unknown
Page : 0 pages
File Size : 45,7 Mb
Release : 2014
Category : Microfinance
ISBN : 8177083686

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Micro Finance and Women Empowerment by Murlidhar A. Lokhande Pdf

In India, micro finance is a movement with the underlying objective of helping poor households to have access to financial services, including credit at affordable cost. Many of those who promote micro finance believe that such access will help poor people get out of poverty. For others, micro finance is a way to promote economic development, employment, and growth through the support of micro entrepreneurs and small businesses. Women in India are typically poorer than men and have fewer options for earning a livelihood that provides adequate food, housing, and education for their children. However, they are also viewed as the change agents of the family. Women are more likely to invest their earnings into improving the lives of the families. By encouraging women to take charge of their futures, micro finance institutions can impact families and whole communities. However, the pace of women empowerment in India, through micro finance, is slow, due to a variety of constraints which urgently need to be rooted out. This book examines some of the issues that need to be addressed in order to empower the lives of India's women through micro finance.

Author : Tripti Kumari
Publisher : kassel university press GmbH
Page : 32 pages
File Size : 48,5 Mb
Release : 2016
Category : Electronic
ISBN : 9783737602563

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Microfinance through Women Self-Help Groups (SHGs) for Grass-root level Empowerment: An Empirical study of Varanasi, Uttar Pradesh, India by Tripti Kumari Pdf

Microfinance, as a concept, involves providing financial services, particularly small credit, fund transfer, and insurance to the unemployed, low-income group, and those who do not have easy access to the banking system. It has emerged as an active agent of financial inclusion, ensuring economic, and social upliftment of the unprivileged. Microfinance is being operated through two channels Self-help Group-Bank Linkage Programme (SBLP) and Micro-finance Institutions (MFIs). The special characteristic of SBLP is its direct connection with the clients at the grass-root level and working towards poverty reduction by providing financial support. The paper is based on a field study on SBLP undertaken for women in the Varanasi District of Uttar Pradesh, India. The increase in women’s participation in economic activities and decision-making reveals that SHGs have made an impact. SHGs have also helped them to create a common platform to participate, discuss, and find a solution of their problems. Women’s income and occupation structure under SHGs have also influenced the standard of living and empowerment level significantly.

Author : Smitha Radhakrishnan
Publisher : Duke University Press
Page : 160 pages
File Size : 55,8 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 : Linda Mayoux
Publisher : Unknown
Page : 77 pages
File Size : 46,9 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 : Paromita Sanyal
Publisher : Unknown
Page : 336 pages
File Size : 46,7 Mb
Release : 2014
Category : Businesswomen
ISBN : 1316149579

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Credit to Capabilities by Paromita Sanyal Pdf

This book focuses on how group-based microcredit programs in India facilitate women's empowerment through the mechanism of group participation and networking.