Download or read book Role of Microcredit in the Development of Rural Women of Bangladesh written by Suman Reza and published by LAP Lambert Academic Publishing. This book was released on 2012-07 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microcredit operations began with the specific objective of poverty alleviation in Bangladesh. Poverty is widespread in Bangladesh. It is even more intense among the rural women of the country. Poverty situation improved with the expansion of microcrdit and rural women gained some empowerment as they had their own income through participation in the credit activities. But they are still far from achieving equal status with men because microcredit primarily addresses income poverty and it has inherent weaknesses in facilitating other conditions necessary for full empowerment of women. Not only are the inherent weaknesses, the socio-economic environment of rural Bangladesh, where microcredit functions, is also a big impediment to achieving women empowerment. Therefore, a comprehensive approach, which includes microcredit too, is necessary for further empowering the rural women of Bangladesh. This approach includes social mobilization, awareness-building, regulations enhancing, equitable financial practices and government initiatives.

Download or read book Women Empowerment Through Capacity Building written by P. J. Christabell and published by Concept Publishing Company. This book was released on 2009 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt: Study on the role of microfinance in building up economic and democratic capacity of women in India.

Download or read book Microfinance and Women s Empowerment in Bangladesh written by Faraha Nawaz and published by Springer. This book was released on 2019-03-01 with total page 127 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

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 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 Reaching the Poorest written by International Movement ATD Fourth World and published by . This book was released on 1999 with total page 144 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book describes experiences in reaching marginalized communities in situations of chronic poverty, as part of ATD Fourth World & the Permanent Forum on Extreme Poverty in the World. It presents seven case studies (Burkina Faso, Guatemala, Haiti, Canada, Peru, Thailand & Uganda) & the lessons to be learned from them, with each illustrating steps taken, difficulties encountered, entry points found, some success factors & key results obtained.

Download or read book The Scaling up of Microfinance in Bangladesh written by Hassan Zaman and published by World Bank Publications. This book was released on 2004 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The microfinance industry in Bangladesh currently provides access to credit to around 13 million poor households. Zaman describes the factors that led to the scaling-up of micro-credit in Bangladesh, the impact this has had on the poor, future challenges in Bangladesh, and possible lessons for other countries. The consensus in the literature is that micro-credit plays a significant role in reducing household vulnerability to a number of risks and that it contributes to improving social indicators. The author argues that strategic donor investments in a handful of well-managed institutions that offer a simple, easily replicable financial product could lead to large gains in access to finance for the poor. However, this approach could sacrifice other objectives of financial sector development, such as product and institutional diversity, which could be promoted after the initial expansion has taken place. Governments can also have a crucial role in promoting access to microfinance by ensuring macroeconomic stability, enforcing a simple regulatory structure, and developing communications networks that reduce transaction costs. Another lesson is that while visionary leadership cannot simply be franchised, the internal management systems that led to the scaling-up can be replicated in other settings"--Abstract.

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 267 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 Microcredit and women s empowerment written by Samjhana Wagle and published by Cook Communication. This book was released on 2020-08-18 with total page 129 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Empowerment of Rural Women in Bangladesh written by Shahnaj Parveen and published by . This book was released on 2005 with total page 262 pages. Available in PDF, EPUB and Kindle. Book excerpt: Based on the author's dissertation and field studies carried out in 2003 in three villages in Mymensingh district. Assesses the perceived status of rural women and gender division of labour at household level. Analyses the nature of rural women's empowerment and factors influencing it, and develops a strategic framework for promoting the status of rural women.

Download or read book Rural Women Empowerment and Micro Credit Programs in the World written by Mustefa Jibril and published by GRIN Verlag. This book was released on 2021-09-27 with total page 10 pages. Available in PDF, EPUB and Kindle. Book excerpt: Academic Paper from the year 2021 in the subject Business economics - Investment and Finance, , language: English, abstract: Rural women make up about half of the world's population and in land production have a strong diet and make up the majority of agricultural workers. They make up 50% of the workforce and participate in the production of half the food in the agricultural sector. For example, rural women make up about 70 to 80% of agricultural workers in sub-Saharan Africa, 65% in Asia, 45% in Latin American and Caribbean, 80% in Nigeria and Tunisia and 80% in India, but their role is in the production system it is a man’s role to add and this creates a huge burden within the mother and wife’s activities and takes a lot of time and energy for them. Research in this field shows that women spend about two thirds of their time in the production, management, and management of their homes, while men spend about a third of their time doing such things. A housewife helps to set up a farm, then ploughs, harvests, weeds and plants, milks and weaves, weaves carpets, tries to make tools and crafts, bakes bread, cooks, does housekeeping, fetches water from wells and far away, fetches firewood, cares for children, weaves wool and makes curd, butter milk, yoghurt, butter and oil. On top of all this, she is the manager of mom and family too. Although women are at home in developing countries producing about 80% of the food and have a responsibility to look after about 30% of rural households, their jobs are not considered economic activity and are simply removed from agricultural and rural development programs.

Download or read book Micro Credit and Rural Women Entrepreneurship Development in Bangladesh written by Sharmina Afrin and published by . This book was released on 2018 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microcredit programs have a positive socioeconomic impact on the rural female borrowers of Bangladesh. This study suggests that the microcredit programs do not help the borrowers to develop any entrepreneurial capabilities other than survival. Thus, this paper aims at identifying the factors related to the development of entrepreneurship among rural women through the microcredit programs of providers. A multivariate analysis technique (Factor Analysis) was conducted to identify the factors related to entrepreneurship development. Structural Equation Modeling (SEM) was used to identify the relationship between microcredit programs and the development of rural female entrepreneurship in Bangladesh. Results show that financial management skills are the most important factor and have a significant relationship with the development of rural women and entrepreneurship. Results also show that the group identities of the female borrowers have a significant relationship with the rural entrepreneurship development in Bangladesh. A borrower's experience from the parents' families and the limitation of options also lead to the development of entrepreneurship among the rural female borrowers of Bangladesh.

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 Microfinance and Women s Empowerment in Bangladesh written by Faraha Nawaz and published by . This book was released on 2019 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Inside Story of Microcredit in Bangladesh An Empirical Investigation of the Role and Productivity written by Md. Mahmudul Alam and published by LAP Lambert Academic Publishing. This book was released on 2011-01-01 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is no denying the fact that microcredit (MC) has been playing an important role in the movement for poverty alleviation. But by the same breath it is also a hard fact that it has serious limitations in terms of its delivery system, rules of repayment, interest rate charges, etc. These limitations made it largely fail to realize its potential and expected goals. A credible study on the productivity of MC was required to determine its actual interest paying capability. In the absence of any established economic justification, based on productivity, this exorbitantly high interest rate is found morally untenable and has become the primary target of criticism for its minimal or marginal achievements. As a result, recently the government rightfully fixed 27% as the maximum interest rate chargeable for microcredit (with effect from July 2011). However, we need not undermine the importance and efforts of the microcredit movement, both as an economic as well as a social institution, for the betterment of the poor in the society. We need not be selfish and miser to give the movement its due credit. MC should not be summarily viewed as unuseful and unsuccessful. It has been making some contributions to the betterment of the poor and it should be given the appreciation it deserves. But like many other researchers we are troubled by the contradicting attitudes of the microcredit providers toward the borrowers. In one hand they are concerned and committed to pull the poor out of poverty, on the other hand they are so harsh in the timely payment of repayment installments putting a blind eye to the sufferings of these poor borrowers. Therefore, MCs need to be more innovative to be able to serve and take care of the wellbeing of the critical group among the borrowers. We are also puzzled to see that in spite of the exorbitantly high interest rate charges and all other limitations, increasing number of these poor are borrowing credit from these MCIs. This surgical study on the inside story of microcredit in Bangladesh, using a rich data set developed through a survey of 555 sample borrowers from rural, semi-urban, and urban areas of all 7 administrative divisions of Bangladesh, is an effort to address these issues and find answers to these and other issues like its potentiality to become a growth tool in the third sector economy. To our own best assessment this study made three major contributions to MC literature: a) application of economic-profit counting method in economic productivity analysis, b) identification of the critically vulnerable group among the borrowers; and c) the revelation that MC is respected by the borrowers more as a social than economic institution. To them, microcredit has facilitated their social and political empowerments and safeguarded their social status. We are thankful to the sample micro borrowers for their sincere cooperation and responses in the operation of this research. We are equally thankful to the field investigators for their honest and untiring search for information. Lastly we are grateful to Professor Anisuzzaman Chowdhury of University of Western Sydney, Australia, and Senior Economic Affairs Officer, Department of Economic and Social Affairs, United Nations, New York, for writing a thoughtful foreword to this work.

Download or read book Microcredit and Poverty Alleviation written by Tazul Islam and published by Routledge. This book was released on 2016-04-22 with total page 229 pages. Available in PDF, EPUB and Kindle. Book excerpt: The attempt of the Grameen Bank to alleviate poverty and enhance the skills and productivity of its rural women clients provides the fascinating backdrop to this important study of micro-credit institutions. Tazul Islam examines the real extent to which the Grameen Bank's credit-alone policy has been successful in securing the Bank's financial sustainability; its practical role in alleviating poverty and its actual impact on the productivity of its clients. This book concludes by considering alternative policy options that hold out the possibility of increased poverty alleviation.

Download or read book Sustainability of a Government Targeted Credit Program written by Shahidur R. Khandker and published by World Bank Publications. This book was released on 1995-01-01 with total page 114 pages. Available in PDF, EPUB and Kindle. Book excerpt: World Bank Technical Paper No. 304. Reviews the status and availability in developing countries of photovoltaic (PV) technology and looks at the prospects for using this technology in light of current energy use and costs of other energy sources. The report provides the necessary background information and highlights the questions raised and the calculations that must be made whenever PV applications are being considered in the developing world