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Impact of Micro-Credit on Empowerment of Rural Women in Bangladesh

Author: Sabina Sultana

Publisher: LAP Lambert Academic Publishing

Published: 2013

Total Pages: 120

ISBN-13: 9783659297953

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The main focus of the study was to assess the impacts of microcredit on rural women' empowerment in terms of increased income, ownership of assets, gender awareness and improvement of livelihood of the women. The study was conducted in Gazipur Sadar Upazila under Gazipur District of Bangladesh. A total of 90 respondents, 45 from BRAC and 45 from non-BRAC women were randomly selected for the study. It was revealed that the majority of BRAC women and non- BRAC women had no income from agricultural sources. It was also found that in case of agricultural sources, 20% of BRAC women belong to the high to very high -income category while not a single non- BRAC women had high to very high income. Personal income of BRAC women's was more than non-BRAC women and their involvement agricultural and non- agricultural were high. About half of the non- BRAC women had no increased productive assets in the last one year. In case of BRAC women the value of increasing assets were small to medium. It was found that most of the BRAC women's decision making power have been changed and it was higher than non- BRAC women in the study area.

Book Synopsis Impact of Micro-Credit on Empowerment of Rural Women in Bangladesh by : Sabina Sultana

Download or read book Impact of Micro-Credit on Empowerment of Rural Women in Bangladesh written by Sabina Sultana and published by LAP Lambert Academic Publishing. This book was released on 2013 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt: The main focus of the study was to assess the impacts of microcredit on rural women' empowerment in terms of increased income, ownership of assets, gender awareness and improvement of livelihood of the women. The study was conducted in Gazipur Sadar Upazila under Gazipur District of Bangladesh. A total of 90 respondents, 45 from BRAC and 45 from non-BRAC women were randomly selected for the study. It was revealed that the majority of BRAC women and non- BRAC women had no income from agricultural sources. It was also found that in case of agricultural sources, 20% of BRAC women belong to the high to very high -income category while not a single non- BRAC women had high to very high income. Personal income of BRAC women's was more than non-BRAC women and their involvement agricultural and non- agricultural were high. About half of the non- BRAC women had no increased productive assets in the last one year. In case of BRAC women the value of increasing assets were small to medium. It was found that most of the BRAC women's decision making power have been changed and it was higher than non- BRAC women in the study area.

Microfinance and Women’s Empowerment in Bangladesh

Author: Faraha Nawaz

Publisher: Springer

Published: 2019-03-01

Total Pages: 127

ISBN-13: 303013539X

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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.

Book Synopsis Microfinance and Women’s Empowerment in Bangladesh by : Faraha Nawaz

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.

Microcredit and Women's Empowerment

Author: Aminul Faraizi

Publisher: Routledge

Published: 2014-04-04

Total Pages: 161

ISBN-13: 1136868224

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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.

Book Synopsis Microcredit and Women's Empowerment by : Aminul Faraizi

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.

Microcredit and women's empowerment

Author: Samjhana Wagle

Publisher: Cook Communication

Published: 2020-08-18

Total Pages: 129

ISBN-13:

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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.

Book Synopsis Microcredit and women's empowerment by : Samjhana Wagle

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.

Financial Empowerment of Women in Bangladesh Through Microcredit

Author: Shafeen Mustaq

Publisher:

Published: 2010

Total Pages: 60

ISBN-13: 9780646550367

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"This book investigates the impact of microcredit, through the lending practices of Grameen Bank and others, on the empowerment of rural Bangladeshi women. The research explores how microcredit affects female borrowers and pervades social norms to have implications on social position and self worth. Women have traditionally been the object of orthodox ideas of representation and absorbed these into their habitus. Bangladeshi women who are traditionally brought up with conventional religious, gender and class instruction develop ingrained ideas of how to be conservative and religious in order to be socially acceptable. Through the injection of micro-credit and income generation, this condition is changed through a process of adapting to a new role in an old field. Microcredit has provided village women in Bangladesh the opportunity to gain communication and interpersonal skills, independence and a position of authority within the family environment. It has motivated them to grow and develop skills which allow them to proceed onto skilled labour and open up new avenues of opportunity.'--PriyoAustralia website book review.

Book Synopsis Financial Empowerment of Women in Bangladesh Through Microcredit by : Shafeen Mustaq

Download or read book Financial Empowerment of Women in Bangladesh Through Microcredit written by Shafeen Mustaq and published by . This book was released on 2010 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This book investigates the impact of microcredit, through the lending practices of Grameen Bank and others, on the empowerment of rural Bangladeshi women. The research explores how microcredit affects female borrowers and pervades social norms to have implications on social position and self worth. Women have traditionally been the object of orthodox ideas of representation and absorbed these into their habitus. Bangladeshi women who are traditionally brought up with conventional religious, gender and class instruction develop ingrained ideas of how to be conservative and religious in order to be socially acceptable. Through the injection of micro-credit and income generation, this condition is changed through a process of adapting to a new role in an old field. Microcredit has provided village women in Bangladesh the opportunity to gain communication and interpersonal skills, independence and a position of authority within the family environment. It has motivated them to grow and develop skills which allow them to proceed onto skilled labour and open up new avenues of opportunity.'--PriyoAustralia website book review.

Women And Microcredit In Rural Bangladesh

Author: Aminur Rahman

Publisher: Routledge

Published: 2019-05-20

Total Pages: 153

ISBN-13: 0429982658

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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.

Book Synopsis Women And Microcredit In Rural Bangladesh by : Aminur Rahman

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.

Development Economics

Author: P. N. (Raja) Junankar

Publisher: Springer

Published: 2016-05-26

Total Pages: 233

ISBN-13: 113755522X

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The papers in this book study economic development from the perspective of social justice and economic efficiency; exploring the role of land tenure and productivity in Indian agriculture. Junankar discusses the efficiency of small farms versus large farms, and the role of share-cropping tenancy.

Book Synopsis Development Economics by : P. N. (Raja) Junankar

Download or read book Development Economics written by P. N. (Raja) Junankar and published by Springer. This book was released on 2016-05-26 with total page 233 pages. Available in PDF, EPUB and Kindle. Book excerpt: The papers in this book study economic development from the perspective of social justice and economic efficiency; exploring the role of land tenure and productivity in Indian agriculture. Junankar discusses the efficiency of small farms versus large farms, and the role of share-cropping tenancy.

Socioeconomic and Indebtedness Related Impact of Micro Credit in Bangladesh

Author: Qazi Kholiquzzaman Ahmad

Publisher:

Published: 2007

Total Pages: 64

ISBN-13: 9789840517787

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Book Synopsis Socioeconomic and Indebtedness Related Impact of Micro Credit in Bangladesh by : Qazi Kholiquzzaman Ahmad

Download or read book Socioeconomic and Indebtedness Related Impact of Micro Credit in Bangladesh written by Qazi Kholiquzzaman Ahmad and published by . This book was released on 2007 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Fighting Poverty with Microcredit: Experience in Bangladesh

Author: Shahidur R. Khandker

Publisher: World Bank Group

Published: 1999-06-05

Total Pages: 228

ISBN-13: 9781280002854

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Providing the poor with access to financial services is one of many ways to help increase their incomes and productivity. In many countries, however, traditional financial institutions have failed to provide this service. Microcredit and co-operative programmes have been developed to fill this gap. Their purpose is to help the poor become self-employed and thus escape poverty. Many of these programmes provide credit using social mechanisms, such as group-based lending, to reach the poor and other clients, including women, who lack access to formal financial institutions. With increasing assistance from the World Bank and other donors, microfinance is emerging as an instrument for reducing poverty and improving the poor's access to financial services in low-income countries. This text examines the experiences of the Grameen Bank and two other major microcredit programmes in Bangladesh in order to quantify the potential and limitations of microcredit programmes as an instrument for reducing poverty and delivering financial services to the poor.

Book Synopsis Fighting Poverty with Microcredit: Experience in Bangladesh by : Shahidur R. Khandker

Download or read book Fighting Poverty with Microcredit: Experience in Bangladesh written by Shahidur R. Khandker and published by World Bank Group. This book was released on 1999-06-05 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: Providing the poor with access to financial services is one of many ways to help increase their incomes and productivity. In many countries, however, traditional financial institutions have failed to provide this service. Microcredit and co-operative programmes have been developed to fill this gap. Their purpose is to help the poor become self-employed and thus escape poverty. Many of these programmes provide credit using social mechanisms, such as group-based lending, to reach the poor and other clients, including women, who lack access to formal financial institutions. With increasing assistance from the World Bank and other donors, microfinance is emerging as an instrument for reducing poverty and improving the poor's access to financial services in low-income countries. This text examines the experiences of the Grameen Bank and two other major microcredit programmes in Bangladesh in order to quantify the potential and limitations of microcredit programmes as an instrument for reducing poverty and delivering financial services to the poor.