Download or read book Microcredit for Rural Women written by and published by Nordic Council of Ministers. This book was released on 2001 with total page 80 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 Routledge. This book was released on 2019-05-20 with total page 153 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 Women and Microfinance in the Global South written by Lynn Horton and published by Cambridge University Press. This book was released on 2018 with total page 265 pages. Available in PDF, EPUB and Kindle. Book excerpt: Women and Microfinance in the Global South is a grounded exploration of the intersections of neoliberal ideology and feminism.
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 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 Microcredit for Rural Women written by Nordisk Ministerråd and published by . This book was released on 2001 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
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 Micro Credit and Women s Empowerment written by SAMJHANA. WAGLE and published by . This book was released on 2020-08-18 with total page 130 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 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 Empowering Rural Women written by Zubair Meenai and published by Aakar Books. This book was released on 2003 with total page 238 pages. Available in PDF, EPUB and Kindle. Book excerpt: Women Self-Help Groups Are Increasingly Being Used As Tool For Various Developmental Interventions. Credit And Its Delivery Through Self-Help Groups Have Also Been Taken As A Means For Empowerment Of Rural Women.This Integrated Approach, Whereby, Credit Is Only An Entry Point, And An Instrument To Operationalise Other Aspects Of Group Dynamics And Management, Also Caters To The Need For Social Intermediation Of These Groups. A Self-Help Group Is Conceived As A Sustainable People S Institution That Provides The Poor Rural Women With Space And Support Necessary For Them To Take Effective Steps Towards Achieving Greater Control Of Their Lives.It Is With This Perspective That This Book Has Been Attempted.This Work Seeks To Elucidate And Simplify The Approach To Women S Empowerment Through Credit-Based Self-Help Groups, By Both Providing The Theoretical Perspective As Well As Practical Guidance And Tips To Operationalise The Same. This Book Is Meant Primarily As A First Level Reader For Middle Level Functionaries In The Development Sector.
Download or read book Impact of Microcredit Programme on Improving Socio economic Status of Rural Women written by Ferdoushi Ahmed and published by . This book was released on 2011 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
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 Microcredit Issues of Sustainability and Autonomy written by Bina Pradhan and published by . This book was released on 1998 with total page 30 pages. Available in PDF, EPUB and Kindle. Book excerpt: Discusses two micro-credit programmes in Nepal: Production Credit for Rural Women and Women's Cotton Farming. Based on the experiences of both, draws conclusions about the provision of micro-credit, role of government, and the need for partnerships between government, development professionals, banks and communities.
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 201 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 Role of Microfinance in Women s Empowerment written by Raji Ajwani-Ramchandani and published by Emerald Group Publishing. This book was released on 2017-10-17 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book Women Microfinance and the State in Neo liberal India written by K. Kalpana and published by Routledge. This book was released on 2016-07-07 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
