Microfinance Participation and Women's Empowerment: Evidence from a Nationally Representative Sample of Women in Bangladesh

ABSTRACT

More than 30 million married women in Bangladesh access microfinance, an empowering anti-poverty tool, amidst mixed responses from scholars about microfinance's empowering effect. The present study evaluates whether microfinance participation empowers women using a culturally suitable conceptualization of empowerment constituting autonomy, decision-making power in the household, and justification of partner violence. This study utilizes data from a representative probability sub-sample of 6,150 married women aged between 15 and 49 years from the Bangladesh Demographic and Health Survey 2011 to assess the difference in empowerment between microfinance participants and a control group using propensity score matching techniques. Findings revealed that women who participated in microfinance were not statistically different at the 0.05 level from women who did not participate in microfinance in terms of empowerment when groups were matched on socio-demographic variables ensuring that treatment and comparison groups had equal propensity to participate in microfinance, casting doubt on the assertion that microfinance participation positively affects women's empowerment. Future research needs to focus on what empowerment may mean in relation to the outside world; we need to move beyond a familial understanding of empowerment to examine the individual in terms of her individual identity in the socio-political world in which she resides.     

Microfinance Participation and Women's Decision-Making Power in the Household in Bangladesh

ABSTRACT

This study draws from bargaining theory to examine whether microfinance, a range of financial instruments such as micro-loans to support micro-enterprises, affects women's participation in household decision-making operationalized by whether women play a role in household decisions about large purchases, small purchases, going out to meet friends and family, and health care among a nationally representative sample of 6,150 women between the ages of 15 and 49 years in Bangladesh. Bargaining theory suggests that decision-making in households is conflictual but conflict can be mitigated through bargaining. Central to bargaining power of women is control over resources, assuming that household decision-making involves making economic decisions. Logistic regression analysis was used to test the interaction effect of microfinance and control over resources on decision-making power in the household utilizing the nationally representative Bangladesh Demographic and Health Survey 2011. Results revealed that microfinance participants with control over resources reported higher odds of decision-making power (OR = 4.3, p < 0.05) when compared to microfinance participants without control over resources (OR = 1.22, p < 0.05) but less than women who did not participate in microfinance but had control over resources (OR = 5.2; p < 0.05). In conclusion, control over resources play an important role in bargaining that increases odds of having decision-making power in the household, even for women who do not participate in microfinance. The study findings contribute to both social work practice and research on low-income populations as it allows an understanding of the importance financial access and financial know-how while it sheds light on how precarious women's lives can be as they navigate income-generating financial systems that interfere with gender norms, which may have negative consequences. These findings are particularly important for practitioners working in the area of women's empowerment who would do well to emphasize the need for building financial capability so that women are able to garner control over their own and familial resources, whether or not they participate in empowerment programs like microfinance, which in turn gives women voice and agency. Meanwhile, future researchers are well positioned to examine the kinds of specific skills that best predict increases in women's decision-making power in the household as well how gender dynamics play into the decision-making process.     

Assessing the Participation of Women in Microfinance Institutions: Evidence From a Multinational Study

ABSTRACT

Microfinance institutions (MFIs) typically offer small credit services with no collateral to low-income clients, particularly women microentrepreneurs. Evidence suggests that microcredit services are an effective tool for the social and financial empowerment of women and have a significant impact on maternal health, children's education, and sustainable economic growth. With multiple financial institutions offering various microfinance services, women's participation as borrowers has changed. We examine the variation in women borrowers’ participation rates in 105 developing countries by analyzing participation rates using selected determinants such as legal status, outreach, external control, and target clients. Results indicate a preference for unregulated MFIs, particularly nongovernmental organizations (NGOs), which suggests that in spite of the advent of formal financial institutions, women in developing countries are more likely to seek loans from grassroots MFIs. However, with more commercial banks offering microcredit and microsavings with a preference for borrowers with assets, women could be left behind. This raises important questions regarding the objectives of microfinance services and empowerment of women. Future studies should examine the impact of transformations of NGO MFIs on low-income women clients.     

The impact of tourism and finance on women empowerment

The Goal-5 of United Nations Development Agenda for gender equality and women empowerment through equalizing the ratio of girls and boys enrolment in primary education remains suffered in almost every part of the globalized world, which does not even violate the basic human rights while it is the mandatory foundation for global peace and prosperity. The contribution of international tourism development to empower women is the key initiative of the developed world to provide an equal opportunity to the women to sustain their livelihoods. This study focused on the role of international tourism development on women empowerment through mediating a number of financial factors in a panel of 24 selected European countries, over a period of 1990–2015. The results show that financial intermediaries act as a catalyst to empower women through international tourism. More specifically, tourism and financial factors promote (i) gender parity in tertiary enrollment, (ii) gender parity in primary and secondary school enrollment, (iii) female employment, and (iv) women’s share in non-agriculture wage employment, while the results further support the (i) growth-led tourism, (ii) finance-led growth, (iii) growth stimulate women empowerment, and (iv) tourism-induced women’s empowerment hypothesis across countries.     

Microfinance as a Development and Poverty Alleviation Tool in Rural Bangladesh: A Critical Assessment

Poverty is multidimensional in nature and exists in every part of the world. Microfinance is considered one of the most important programs to achieve poverty reduction, particularly in Bangladesh. It has been estimated that nearly 45% of Bangladesh's population lives below the poverty line. This qualitative research study was conducted in order to determine the effectiveness of microfinance programs and the contributing factors to the high‐level of poverty among microfinance beneficiaries in the district of Bogra, Bangladesh. Study findings indicated that microfinance programs were ineffective as a result of high interest rates; insufficient loans; unproductive use of loans; corruption and poor skills of microfinance institution staff; weekly repayment schedules; and physical and mental harassment of poor women. Additionally, the lack of employment opportunities, education, healthcare facilities and social safety nets; natural disasters; the dowry system; and the rising cost of basic daily needs have also contributed to chronic poverty.     

Framing microfinance in Australia – gender neutral or gender blind?

In Australia, microfinance is gaining visibility as a distinct poverty alleviation strategy. Within the Australian microfinance policy and program discourses, the microfinance sector is framed as targeting both men and women equally. Yet at the practice level, the majority of loan recipients are women. Such a gender neutral framing is in stark contrast to microfinance policy and practices developed elsewhere. This paper explores how gender is represented in microfinance policy and practice in Australia, drawing on an analysis of the policy and practice statements of Australian microfinance programs. It is argued that the robust feminist assessments of the relationship between microfinance and gender equality that have emerged in developing countries could usefully inform Australian developments in this area of social policy, but that this shift requires acknowledging gender in the framing of the problem Australian microfinance seeks to address.     

A Mutual Aid Group Program for Women Who Use Violence

This article presents the development of a group program for women who use violence. A review of the North American literature and research into Quebec practices led the authors to adopt an intersectional feminist analysis of women’s violence and to choose the mutual aid group model. The program’s main objective is to help women find alternatives to the use of violence by working on three main themes: (1) violence, (2) socialization, and (3) life conditions. The program also aims to increase women’s empowerment through concrete experiences of group solidarity, such as by helping one another. Challenges that were encountered in its development and that are anticipated in its evaluation are discussed.     

Making Leadership Work More Effectively for Women

This article explores strategies for enhancing women's effectiveness as leaders by first recognizing that leadership itself is gendered and is enacted within a gendered context, two themes that recur throughout this issue. These contexts exist along a continuum ranging from male-dominated, hierarchical, performance-oriented, power-expressive and thus masculinized contexts at one extreme to transformational contexts that stress the empowerment of followers at the other pole. Each context suggests different strategies for making women leaders effective, emphasizing women-specific recommendations in masculinized contexts that focus on status enhancement and the legitimation of women leaders in contrast to innovative contexts with broader task goals that prove more congenial for women, as well as men, leaders.     

充权理论在企业社会工作中的实践探究

充权理论相信每个人的潜能,把恢复个体社会功能作为社会工作专业的特色内容,把弱势群体确定为社会工作充权的对象。本文以充权理论为基础,主张企业社会工作的工作内容是企业员工的社会关系,企业社会工作者的职责在于为青年工人、女员工、农民工和残疾员工等弱势群体充权。     

From the Editor

A qualitative exploratory study was conducted to examine the experiences of 20 immigrant Latina women using a culturally specific 11-week curriculum—Sí Yo Puedo—in psychoeducational group settings. The purpose of the program is to provide participants with education about domestic violence and self-esteem. Two follow-up groups were conducted to assess immigrant Latina women’s experiences after completing the program. Findings indicated that participants reported improved self-esteem and knowledge of healthy relationship dynamics, and the women experienced the process of empowerment. Implications for social workers include utilization of the program toward education and the promotion of healthy relationships among Latina women.     

The Development of Self-Efficacy Beliefs of Widowed and Abandoned Women Through Microcredit Self-Help Groups: The Case of Rural South India

ABSTRACT

Widowed or abandoned women are among the poorest and marginalized people in Indian society. In an effort to empower these women to achieve a sustainable livelihood and overcome discrimination related to marital status and caste, a local nongovernmental organization, Kalangarai, organized widows and abandoned women into microcredit self-help groups (SHGs) along the Southeast coast of India. This mixed-methods study examines the effects of microcredit SHG training and facilitation on the perceived self-efficacy of widowed or abandoned women in the groups (N = 64). Data were collected on SHG training, facilitation, self-efficacy, well-being, and caste discrimination. Regression results indicate that participation in SHG trainings and having more intensive staff facilitation significantly impacted the women's perception of self-efficacy. These findings suggest that the microcredit SHG structure can be utilized to spark a transformative process for women to collectively gain power and political voice. Further implications for advocacy, scholarship, and program design are discussed.     

Community Intervention with Jewish Israeli Mothers in Times of Terror

The article examines the effectiveness of a community programmedesigned for Jewish Israeli mothers who have been exposed toterrorism. The aim of the intervention was to empower the womenand increase their sense of belonging to the community, andto reduce stress symptoms, mainly by encouraging and facilitatingtheir participation in community activities. Thirty-eight women,all residents of the same terror-ridden community, participatedin intensive workshops over a six month period designed to helpthem to become active in the community. The workshops providedthe women with the information and skills required for activityin the community projects in which they were interested. A qualitativeevaluation reveals that, at the end of the programme, most ofthe women reported that they felt better and more secure, andall of the women were participating in at least one activityin the community. The quantitative evaluation revealed lowerlevels of distress, higher levels of empowerment and no changein the feelings of belonging to the community. The implicationsof these findings are discussed in light of the persistenceof terror and theories of community intervention.     

Women Reconciling Paid and Unpaid Work in a Confucian Welfare State: The Case of South Korea

The participation of married women in the labour market has been increasing since industrialization in the 1960s in Korea; in 1999 it overtook that of unmarried women. This raises the issue of how women reconcile paid and unpaid work and how state policy responds to this issue. In Korea, there have been numerous policy reforms designed to support working women in combining work and family life. For example, a parental leave scheme was introduced in 1995 and maternity benefits were also introduced in 2001. However, it is doubtful whether these policies can be effective in practice in Korea, where Confucian traditions in respect of women's roles remain strong. Confucian tradition has long influenced Korean society culturally and socially. Although Korean society today is not as Confucian as in the past, some traditions still remain strong, particularly with regard to the family: for example filial piety, seniority, the married woman's responsibility for her parents‐in‐law. This paper will argue that Confucian tradition makes for difficulties in Korean women's experiences of reconciling paid and unpaid work and also affects the formation of state policy. The paper explores the impact of the Confucian welfare regimes on Korean women's experience of reconciling paid and unpaid care work, and questions the gendered characteristics of the Confucian welfare state.     

Role of AKRSP on Gender Development: A Case Study in Pakistan

ABSTRACT

In Pakistan, nongovernmental agencies (NGOs) play an important role in program implementation. This study focuses on the contribution of one of these NGO social service programs that serves women in a rural area of Pakistan. To assess program satisfaction and effectiveness, 200 females were surveyed to measure their opinions and overall satisfaction with this particular NGO. The key findings of the study showed that the Aga Khan Rural Support Program (AKRSP) had a significant positive impact on the lives of these women through increasing social and decision-making skills while improving their income and living standards by providing employment opportunities and training. Future recommendations are made to continue to sponsor such programs that focus on a group-support for women while also providing supportive services that empower decision-making and economic standing.     

Social Workers' Perceptions of Training Preparedness and Social Justice Norms on Workplace Empowerment

This study examined the relationship between (a) social workers' perceptions of preparedness to perform in their professional roles and perceived social justice behaviors at work and (b) workers' sense of workplace empowerment. A sample of 152 currently licensed social workers responded to web or mailed surveys. Respondents were more likely to perceive having workplace empowerment related to meaning in their work if they reported their social work program training prepared them for their professional roles. Perceived social justice behaviors at work were associated with workers' experiencing empowerment related to the impact they had at work. Social workers' sense of training preparedness and experiencing social justice at work can positively influence workers' perceived empowerment. Enforcing the importance of engaging in social justice with clients in social work education, both in class and in field placements, has the potential for long-lasting effects on empowerment in students' future workplaces. Agency-level management should ensure continuity in social justice activities to enhance feelings of workplace empowerment, which may help social workers connect with clients. Future research should examine elements of social work programs that promote feelings of empowerment in order to understand how the same approach can be used in models of continuing education and organizational management.     

Social Empathy as a Framework for Adolescent Empowerment

ABSTRACT

Adolescent empowerment has been used to develop programs addressing a variety of issues that put young people at risk. Empowerment has been associated with positive outcomes in youth, including increases in resilience, self-efficacy, self-esteem, and civic engagement. This article reviews a selection of applications of empowerment with adolescents to identify how the concept is defined, applied, and measured. Key challenges to implementing adolescent empowerment programs are identified. Based on the review, social empathy is proposed as a framework for adolescent empowerment program developers. Using social empathy as a framework allows for consistency in definition and flexibility in application to apply to diverse groups of youth in various settings. A social empathy framework also establishes key outcomes that can be measured to ensure program effectiveness. By employing social empathy as a framework, service providers can draw on the value that empowerment, both as a process and an outcome, brings to their work with adolescents.     

Preventing Domestic Violence in the South Asian Context: Men's or Family Involvement?

Globally there is a growing tendency to involve men in preventing domestic violence. Since men are the main perpetrators of violence against women, proponents of men's involvement argue that men must be involved to prevent men's violence against women. Conversely, opponents of men's involvement argue that involving men would not bring about the expected outcome, since men's involvement is challenging, particularly in the cultural context, and men intentionally perpetrate violence against women. In this paper, an attempt has been made to critically justify the suitability of men's involvement and to find a more culturally acceptable alternative for preventing domestic violence against women in South Asia. This article critically discusses theories related to the sociocultural understanding of domestic violence, insightfully presents domestic violence in this regional perspective, argues the pros and cons of men's involvement, and proposes family involvement as a culturally suitable approach to prevent domestic violence.     

Culture wars in South Australia: the sex education debates

School sexuality education has been a component of Australia's successful and internationally recognized HIV/AIDS strategy since the 1980s and has been well accepted in the community. However South Australia is experiencing a re‐emergence of opposition to school sexuality education orchestrated by groups associated with the United States‐based Christian Right. In this paper I will outline sex education policy developments in Australia and the United States as a framework for discussing the controversy generated around the Sexual Health and Relationships Education (SHARE) program in South Australia in 2003. In doing so I give attention to the similarities between the strategies deployed by the opponents of SHARE and those used to install abstinence‐only‐until‐marriage sex education as national policy in the United States. I will argue that, rather than a phenomenon indigenous to South Australia, these debates are part of an international movement to progress the political goals of the Christian Right.     

The Establishment Of Mass Mammographic Screening Programs: In Whose Interests?

The provision of mass mammographic screening programs for all women over the age of 50 years in Australia has received widespread support from the popular press, politicians and society in general. However health professionals have expressed doubts about the desirability of implementing such programs before their broader efficacy has been properly assessed. This paper asserts that consideration of the opinions, experiences and attitudes of women has been largely neglected in both the popular media and medical circles. The symbolic meanings surrounding high technology, cancer and the body are discussed with reference to the mammography issue. It is argued that the psychological costs to women who are induced to enter a mammogram program require greater attention. Of particular importance is the case of those women who are forced to undergo further medical investigation when a suspicious lesion is discovered. It is concluded that the interests of women are not necessarily served by the Australian government's decision to use scare resources to fund mass mammographic screening programs.     

Why Rickert? Regarding the dogma about Heinrich Rickert's influence on Max Weber

For almost a century, scholars have held the conviction that Max Weber's methodology was based upon neo-Kantian philosophy. This belief was founded on the idea that Weber's methodology was dependent on the neo-Kantianism of Weber's Freiburg colleague and friend Heinrich Rickert. This idea began with Rickert himself and then was promoted by his student Alexander von Schelting. This belief was then passed down through numerous American scholars to the point that today, sociologists have the conviction that Weber's writings on method are tied directly to those of Rickert. In light of this, one may suggest that this conviction has been transformed into dogma. However, as will be demonstrated in this essay, Weber's methodological ideas are fundamentally different from those of Rickert and that is based upon the fact that Weber's methodological goals were fundamentally different from those of Rickert.