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Author: Annabel Dulhunty Publisher: ISBN: 9781003356400 Category : Microfinance Languages : en Pages : 0
Book Description
"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: ISBN: 9781003356400 Category : Microfinance Languages : en Pages : 0
Book Description
"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: Taylor & Francis ISBN: 1000928713 Category : Social Science Languages : en Pages : 124
Book Description
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: Neera Burra Publisher: SAGE ISBN: 9780761933663 Category : Business & Economics Languages : en Pages : 376
Book Description
"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: Raji Ajwani-Ramchandani Publisher: Emerald Group Publishing ISBN: 1787144259 Category : Business & Economics Languages : en Pages : 336
Book Description
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: Samjhana Wagle Publisher: Cook Communication ISBN: Category : Business & Economics Languages : en Pages : 129
Book Description
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: Aminul Faraizi Publisher: Routledge ISBN: 1136868224 Category : Business & Economics Languages : en Pages : 161
Book Description
"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: Tripti Kumari Publisher: kassel university press GmbH ISBN: 3737602565 Category : Languages : en Pages : 32
Book Description
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: SAMJHANA. WAGLE Publisher: ISBN: 9781716645792 Category : Languages : en Pages : 130
Book Description
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: Annabel Dulhunty
Author: Annabel Dulhunty
Author: Annabel Dulhunty
Author: P. J. Christabell
Author: Neera Burra
Author: Malika Basu
Author: Raji Ajwani-Ramchandani
Author: Samjhana Wagle
Author: Aminul Faraizi
Author: Tripti Kumari
Author: SAMJHANA. WAGLE