Download or read book Rhetoric and Realities of Micro credit for Women in Rural Bangladesh written by Aminur Rahman and published by . This book was released on 1998 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Women and Microcredit in Rural Bangladesh written by Aminur Rahman and published by . This book was released on with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Rhetoric and Realities of Micro credit for Women in Rural Ban Ladesh a Village Study of Grameen Bank Lending written by and published by . This book was released on 1905 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Micro-credit--small amounts of collateral-free institutional loans extended to jointly liable group members for self-employment--was first introduced by the Grameen Bank of Bangladesh in the mid 1970s. The "programmatic success" of the Bank-recruitment of clients, investment of loans, recovery rates on invested loans and profit margin-has internationalized micro-credit; it is now spread worldwide. There is a growing sense that micro-lending projects for women have potential to achieve the goal of equitable (women's entitlement to resources), and sustainable (independent stability and continuity) development. However, my dissertation, which is based on thirteen months of ethnographic field research on Grameen lending to women in a rural community of Bangladesh, challenges the conventional understanding of small-scale lending and the orthodox view of its success. The dissertation consists of an anthropological analysis of women borrower involvement with the credit program and implications of the lending structure for women borrowers, their household members, and bank workers. In theoretical terms women's involvement with micro-credit has been examined within the context of "normative entitlements" of patriarchy. The concepts of "public and hidden transcripts" (Scott 1990), and "practice theory" (Bourdieu 1977) are used to present the anomalies between ideology and practices of the lending institution and the informants. "Cultural hegemony" (Gramsci 1971) helps to analyse the reproduction of ideology of dominance and violence toward women in society, both unintended and organizational. The research findings suggest that women become the primary target of the micro-credit program because of their socio-cultural vulnerability, i.e., the requirements of regular attendance by borrowers in weekly meetings at the loan centre, and the rigid repayment schedule of loans. The program extends credit to women, but in the household women often "pass on" their loans to men, or men t.
Download or read book Rhetoric and Realities of Micro credit for Women in Rural Ban Ladesh a Village Study of Grameen Bank Lending written by Aminur Rahman and published by . This book was released on 1998 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Micro-credit--small amounts of collateral-free institutional loans extended to jointly liable group members for self-employment--was first introduced by the Grameen Bank of Bangladesh in the mid 1970s. The "programmatic success" of the Bank-recruitment of clients, investment of loans, recovery rates on invested loans and profit margin-has internationalized micro-credit; it is now spread worldwide. There is a growing sense that micro-lending projects for women have potential to achieve the goal of equitable (women's entitlement to resources), and sustainable (independent stability and continuity) development. However, my dissertation, which is based on thirteen months of ethnographic field research on Grameen lending to women in a rural community of Bangladesh, challenges the conventional understanding of small-scale lending and the orthodox view of its success. The dissertation consists of an anthropological analysis of women borrower involvement with the credit program and implications of the lending structure for women borrowers, their household members, and bank workers. In theoretical terms women's involvement with micro-credit has been examined within the context of "normative entitlements" of patriarchy. The concepts of "public and hidden transcripts" (Scott 1990), and "practice theory" (Bourdieu 1977) are used to present the anomalies between ideology and practices of the lending institution and the informants. "Cultural hegemony" (Gramsci 1971) helps to analyse the reproduction of ideology of dominance and violence toward women in society, both unintended and organizational. The research findings suggest that women become the primary target of the micro-credit program because of their socio-cultural vulnerability, i.e., the requirements of regular attendance by borrowers in weekly meetings at the loan centre, and the rigid repayment schedule of loans. The program extends credit to women, but in the household women often "pass on" their loans to men, or men take control over women's loans, or loans are used to meet the emergency consumption needs of the household. In this system, women borrowers often lose control over their loans but bear the consequences of the debt burden in their households and loan centres. The research indicates a strong link between "programmatic success" of the Bank and current practices of credit extension to women. Debt-cycling among borrowers is a consequence, i.e., the need to pay off previous loans with new ones. Bank workers are expected to increase disbursement of loans among their clients and press for high recovery rates to earn the profit necessary for institutional economic viability. The bank workers and borrowing peer loan group members in centres press on clients for timely repayment, rather than working to raise collective consciousness and borrower empowerment as envisaged in the Bank's public transcript. Institutional debt burdens on individual households increases tension and anxiety among household members which in turn produces new forms of social and institutional dominance over many women borrowers of the project.
Download or read book Microcredit and Women s Empowerment written by Aminul Faraizi and published by Routledge. This book was released on 2014-04-04 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book Women And Microcredit In Rural Bangladesh written by Aminur Rahman and published by Routledge. This book was released on 2019-05-20 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book The Micro politics of Microcredit written by Mohammad Jasim Uddin and published by Routledge. This book was released on 2015-05-01 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microcredit has been seen in recent decades as having great potential for aiding development in poor developing countries, with Bangladesh being one of the countries which has pioneered microcredit and implemented it most widely. This book, based on extensive original research, explores how microcredit works in practice, and assesses its effectiveness. It discusses how microcredit, usually channelled through women, is often passed to the men of the family, a practice disapproved of by some, but regarded as acceptable by borrowers who have a communal approach to debt, rather than viewing debt as something held by single individuals. The book demonstrates how the rules around microcredit are often seem as irksome by the borrowers, how lenders often charge high rates of interest and work primarily to preserve their institutions, thereby going against the spirit of the microcredit movement, and how borrowers often end up on a downward spiral, deeper and deeper in debt. Overall, the book argues that although microcredit does much good, it also has many drawbacks.
Download or read book Microfinance and Its Discontents written by Lamia Karim and published by U of Minnesota Press. This book was released on 2011 with total page 292 pages. Available in PDF, EPUB and Kindle. Book excerpt: The first feminist critique of the much-lauded microcredit process in Bangladesh.
Download or read book Global Governance written by Steve Hughes and published by Routledge. This book was released on 2003-09-02 with total page 253 pages. Available in PDF, EPUB and Kindle. Book excerpt: In recent years, the role of global institutions such as the United Nations, World Trade Organization, International Monetary Fund and the World Bank has never been more important to the lives of individuals throughout the world. This edited book provides critical perspectives on the role of these institutions and how they use their policies, procedures and practices to manage global political, socio-economic, legal and environmental affairs. In contrast to previously published books on this subject, Global Governance is organized thematically rather than by institution. Each chapter examines core issues such as labour, finance, the environment, health, culture, gender, civil society, poverty and development. It should be essential reading for undergraduate students of international politics, international political economy and international economics.
Download or read book Microfinance written by Jude L. Fernando and published by Routledge. This book was released on 2004-08-02 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance is a burgeoning area in economics. This volume provides a much-needed historical, political and economic dimension to current microfinance knowledge, and fills a huge gap in published literature.
Download or read book The Rhetoric and Reality of Microcredit written by Cara Durr and published by . This book was released on 2012 with total page 134 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microcredit organizations often claim that women's participation in such programs will lead to gender empowerment, increased social networks, and economic success; this thesis addresses these major themes and goals of microcredit in the context of Java, Indonesia. This study is based on six months of research into the operation of a women's microcredit cooperative in East Java using ethnographic observation and interviews with both members and officials. This case study shows that Javanese women's experiences with microcredit differ from many of those profiled in the broader literature in the following ways: [1] While Indonesian women may lack equality on the broader social levels, Javanese women exercise considerable control over family economic decisions, so that they are already economically and socially `empowered' at the household level; [2] Cultural values emphasizing social harmony and financial privacy mean that microcredit's joint responsibility system does not work as intended to ensure financially responsible lending; and [3] While microcredit discourse emphasizes entrepreneurship, the majority of women in this cooperative borrow money for expenses such as school fees or home improvement, rather than for business purposes. For the women in this case study, microloans are helpful and convenient, but not life-changing, which can be attributed to members' relatively high socio-economic status and the small-scale nature of the loan activities. However, these loans were able to help smooth out variations in household income flows, offering what the women see as a valuable service in a context where bank loans and other types of credit are not readily available to these household managers.
Download or read book Women Empowerment and Role of Micro Credit of TMSS at Rural Bangladesh written by Jillur Mahbubur Rahman and published by LAP Lambert Academic Publishing. This book was released on 2013 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt: The empowerment of women is one of the central issues in the process of development of all developing countries in the world. Women empowerment is a matter of key concern in national and international policymaking and activities of social life. Nations cannot achieve their development goals if their women are discriminated. Significance of the issue provided impetus to conduct this study. The book showed that micro credit help to increase women's access to micro-finance, generate new income earning opportunities, and to enhance social mobilization and create formal network, norms and trust for collective action. The book is an endeavor to measure women's economic, political, sociocultural, legal and interpersonal or familial empowerment to scrutinize different activities at various economic, political, sociocultural, legal and familial spheres of women at the rural area of Bangladesh in family, community and national level. The findings suggest that, micro credit and its supportive programs have lead to a remarkable enhancement in social network formation and development, an improved status in family and community, increased mobility and to some extent also greater self-confidence
Download or read book The Question of Gender written by Judith Butler and published by Indiana University Press. This book was released on 2011-07-20 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: A generation after the publication of Joan W. Scott's influential essay, "Gender: A Useful Category of Historical Analysis," this volume explores the current uses of the term—and the ongoing influence of Scott's agenda-setting work in history and other disciplines. How has the study of gender, independently or in conjunction with other axes of difference—such as race, class, and sexuality—inflected existing fields of study and created new ones? To what extent has this concept modified or been modified by related paradigms such as women's and queer studies? With what discursive politics does the term engage, and with what effects? In what settings, and through what kinds of operations and transformations, can gender remain a useful category in the 21st century? Leading scholars from history, philosophy, literature, art history, and other fields examine how gender has translated into their own disciplinary perspectives.
Download or read book Crowded Out written by Nora Kenworthy and published by MIT Press. This book was released on 2024-05-21 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: An eye-opening investigation into charitable crowdfunding for healthcare in the United States—and the consequences of allowing health care access to be decided by the digital crowd. Over the past decade, charitable crowdfunding has exploded in popularity across the globe. Sites such as GoFundMe, which now boasts a “global community of over 100 million” users, have transformed the ways we seek and offer help. When faced with crises—especially medical ones—Americans are turning to online platforms that promise to connect them to the charity of the crowd. What does this new phenomenon reveal about the changing ways we seek and provide healthcare? In Crowded Out, Nora Kenworthy examines how charitable crowdfunding so quickly overtook public life, where it is taking us, and who gets left behind by this new platformed economy. Although crowdfunding has become ubiquitous in our lives, it is often misunderstood: rather than a friendly free market “powered by the kindness” of strangers, crowdfunding is powerfully reinforcing inequalities and changing the way Americans think about and access healthcare. Drawing on extensive research and rich storytelling, Crowded Out demonstrates how crowdfunding for health is fueled by—and further reinforces—financial and moral “toxicities” in market-based healthcare systems. It offers a unique and distressing look beneath the surface of some of the most popular charitable platforms and helps to foster thoughtful discussions of how we can better respond to healthcare crises both small and large.
Download or read book We Were in Fire Now We are in Water written by Govind Kelkar and published by . This book was released on 2003 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Reshaping the Holy written by Elora Shehabuddin and published by Columbia University Press. This book was released on 2008 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt: Through extensive field research, Elora Shehabuddin explores the profound implications of women's political and social mobilization for reshaping Islam. Specifically, she examines the lives of Muslim women in Bangladesh who have become increasingly mobilized by the activities of predominantly secular NGOs, yet who desire to retain, reclaim, and reshape-rather than reject-their faith. In their employment and in their interactions with the legal system, the state, NGOs, and political and religious groups, women are changing state practices, views of women in the public sphere, and the nature of lived Islam itself. In contrast to most work on Islam and Muslims, which has focused on the Middle East and has privileged the study of religious and legal texts, this book redirects our attention to South Asia, home to one of the largest Muslim populations in the world, and emphasizes the actual experiences of Muslims. Women and gender, as well as Bangladesh's formally democratic context, are central to this inquiry and analysis.
Download or read book The Political Economy of Microfinance written by Philip Mader and published by Springer. This book was released on 2016-01-12 with total page 297 pages. Available in PDF, EPUB and Kindle. Book excerpt: According to the author, rather than alleviating poverty, microfinance financialises poverty. By indebting poor people in the Global South, it drives financial expansion and opens new lands of opportunity for the crisis-ridden global capital markets. This book raises fundamental concerns about this widely-celebrated tool for social development.
