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.     

Participation in Income-Generating Activities and Help-Seeking for IPV in Bangladesh – Results from a National Survey of Women

Abstract

The present study examined whether there was an association between microfinance participation (i.e. microentrepreneurship) and help-seeking social networks and employment and help-seeking social networks of women who experienced intimate partner violence (IPV) in Bangladesh. The study is a secondary analysis of a subsample of 805 women (24.1% of the representative sample) who experienced IPV from the 2007 Bangladesh Demographic and Health Survey (BDHS) between the ages of 16 and 49?years. Results indicate that among the subsample of 805 respondents, 29.3% sought help for IPV. Multivariate logistic regression revealed that women who were employed all year round were significantly more likely and microfinance participants were marginally more to seek help for IPV than women who were not engaged in income-generating activities. Implications are discussed.     

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.     

Women's Empowerment or Disempowerment through Microfinance: Evidence from Bangladesh

Women's empowerment has been one of the declared goals of Bangladesh's national development program, and microfinance is playing a leading role in bringing about the realization of this program. Since one of the intended goals of microfinance is to empower women, this concept paper attempts to investigate the success rate — does microfinance truly empower or is it a case of disempowering through “empowerment”? The effectiveness of microfinance today has been a debatable subject in the economic and social work realms, in which it is considered a viable tool for women's empowerment. Although there are scores of studies that demonstrate that microfinance has a significant impact on livelihood and improves the living standards of women by reducing poverty, this paper contests those claims.     

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.     

Who participates? Socioeconomic Factors Associated with Women's Participation in Voluntary Groups

Participation in voluntary groups is potentially an important way to create health promoting social capital. This paper investigates women's participation in voluntary groups, utilising data from a postal survey of 968 female respondents and in‐depth interviews with 30 women. Logistic regression was conducted to examine factors associated with frequency of women's group involvement. Not working full time, living in a married relationship, and having a university education were all significantly associated with regular involvement. The qualitative data further illustrated some of the ways in which these three factors were linked with women's involvement in groups. We conclude that women who were able to regularly participate were those who already enjoyed levels of social and economic privilege. Policies to promote social capital via participation might focus on identifying what types of group involvement benefit women's health, and increasing the accessibility of such groups to include diverse groups of women.     

Our Stories–Our Journey: An Empowerment Group Approach for Justice-Involved Women using Pecha-Kucha

ABSTRACT

This article presents Our Stories–Our Journey, a group-work intervention with justice-involved women. This narrative-based intervention helps members to develop insight into self-identity and to restructure narratives via mutual aid. Through a group-work intervention using empowerment and narrative theories with pecha-kucha (the word for chit-chat or chatter, in Japanese), incarcerated women work to create empowering stories that will support them in constructing new narratives. Considering the traumatic pathways to prison for women and the oppressive correctional environments, models of innovative programs that are strength based and empowering are needed that will guide the social work profession to work effectively with justice-involved populations.     

Empowering the People: Public Responses to Welfare Policy Change

How and when does welfare policy contribute to shape public opinion? This article departs from the policy feedback research tradition and seeks to contribute to the understanding of how policy influences public opinion (public responsiveness). The argument here suggests that personal experiences in terms of empowerment condition the dynamics between policy and opinion. The empirical case concerns the implementation of a consumer's choice model in Swedish primary health care, which resulted an intended increase in private health care centres. In this case, empowerment is assumed to be enhanced by increased exit options and freedom of choice. The specific question in the analysis is whether citizens who have empowering experiences, as a consequence of the reform, are more likely to be positive towards further privatization of welfare services. The results show few effects in general, but there seems to be a correlation between the experience of exiting and more positive attitudes towards privatization.     

The Relationship Between Citizen Participation and Organizational Processes and Outcomes and the Benefits of Citizen Participation in Neighborhood Organizations

ABSTRACT

A major resource of neighborhood organizations is the voluntary participation of residents who give their time and energy to improve their communities. In recent years, there has been a revitalization of strategies to engage residents to volunteer for neighborhood-based organizations. Guided by organizational empowerment theory and the ecological perspective, the current study examined the relationship between citizen participation and organizational characteristics and effectiveness and the benefits received by residents participating in neighborhood organizations in poor communities. The data were gathered through a survey of resident volunteers in four neighborhood organizations in Pennsylvania and were analyzed using hierarchical multiple regression analyses. The results showed that volunteers' level of involvement in their neighborhood organization influenced their self-efficacy. However, volunteers' perceptions of their neighborhood organizations' characteristics and effectiveness were the most strongly related to the benefits of citizen participation, contributing to residents' self efficacy, collective efficacy, and sense of community. Implications for social work research and practice are discussed.     

“Working with COW”: Social Work Supporting Older Women Living in the Community

ABSTRACT

Australia, like all developed Western countries, is experiencing a demographic shift resulting in an increasing proportion of the population being over the age of 65 years. Contrary to stereotypes, the vast majority of older people live independently in communities. This article explores the potential of social work practice informed by community development principles to enable socially disadvantaged older women to live in vibrant and supportive communities, in which they feel safe and are able to access the support services they need. It argues that participation in social action not only builds older women’s well-being but also enables them to become (or continue to be) agents for social change in local communities. Adopting a community-based research methodology, this article draws on a decade of community development practice with the Concerned Older Women’s (COW) Group. This data suggests that community development practice based on participation, empowerment, and social action founded on respectful relationships may accrue significant benefits to individuals and the broader community. This social work practice creates the social conditions to facilitate older women’s capacity to work collectively to achieve social change, challenging ageist stereotypes.     

Enhancing the Efficacy and Empowerment of Older Adults Through Group Formation

ABSTRACT

Research suggests that efficacy and empowerment are necessary for social engagement and that a sense of efficacy and empowerment exerts positive influences on older adults. However, little is known about how individual efficacy and empowerment are affected by group efficacy and empowerment in later life. To assess the impact of group involvement on the individual, the authors conducted a follow-up study with members of an art guild for older adults. Qualitative data were collected in 1997 and 2001 to ascertain the members' perceptions of group goals and accomplishments, membership benefits, the effect on the community, societal views about older adults, and the impact of group activities on the individual. The results clearly indicated that collective efficacy and empowerment through social engagement were beneficial to members as individuals and as a group, and contributed to well-being through a general sense of accomplishment and pride.     

同乡的力量：同乡聚集对农民工工资收入的影响

中国的城乡流动中存在同一籍贯或同一来源地的农村流动人口的就业聚集现象--“同乡聚集”。本研究使用2010年珠三角和长三角外来务工者调查的数据,采用倾向分数匹配和异质性干预模型等方法,考察了以籍贯为族群基础的同乡聚集对城市农民工经济收入的影响。研究发现,尽管同乡聚集者的收入优势受到异质性和自我选择机制的影响,但同乡聚集仍有助于提高农民工的工资收入。越倾向于同乡聚集的农民工,从同乡聚集中获得的收入回报越高。     

While the Cat's Away,Do the Mice Play? Maternal Employment and the After‐School Activities of Adolescents*

Objective. This study determines if a relationship exists between a mother's employment and the activities in which her adolescent children participate after school. Methods. The author uses panel data from the 1996 Survey of Income and Program Participation with logit and fixed‐effects logit models to estimate this relationship. Results. Fixed‐effects models suggest a positive relationship between maternal employment and participation in lessons after school for the adolescent children of married women and also for those with at least a high school education. Maternal employment is also positively related to sports participation for the adolescent children of unmarried mothers. Conclusions. First, this article shows the importance of accounting for unobserved heterogeneity in inquiries into the links between maternal employment and adolescent outcomes. Second, it suggests that high‐socioeconomic‐status mothers may use after‐school activities, particularly lessons, as a form of after‐school care, while unmarried mothers may use sports.     

Examining the Effect of Correctional Programming on Perceptions of Likelihood of Recidivism Among Incarcerated Prisoners

ABSTRACT

For many years, policymakers and criminal justice scholars have debated the impact of correctional programming on recidivism. This debate is currently unresolved. Using data from 1,234 currently incarcerated inmates in a mid-Southern state, this study examines whether inmates who participate in correctional programming while incarcerated are less likely to feel that they will recidivate upon release from prison. The findings from this research suggest that program participation while in prison has little impact on the inmates’ perceived recidivism, although important programming effects may still occur. Policy implications and directions for future research are discussed.     

Measuring Support Provisions for People Living With Disabilities in South Asia: An Accessibility Index

ABSTRACT

The terms “empowerment,” “rights,” and “inclusiveness” are now commonly used in public policy, but little emphasis is placed on “accessibility” issues in the integration of disabled people. This article proposes a composite index to measure economic support provisions, such as employment, vocational training, microfinance, and safety nets. The index was tested in a case study (N= 245) of two districts in Pakistan. Results support a “cost/benefit”-based philosophy, rather than the “means–ends” goal, where the disabled poor are viewed as unproductive and risky payers, instead of giving them an opportunity to exercise their potential. Change for the disadvantaged poor can be brought about with the mandatory use of this index in local annual audits. Future research might examine the impact of the index and standardize it for global use.     

Family engagement within the context of assessment in child protection practice: The case of Estonia

Engagement in the context of child protection is of significant international interest, as the participation of family is a central notion in child and family social work. Drawing on in‐depth, semistructured interviews with a sample of 26 child protection workers in 1 region in Estonia, this article reports the findings of the participants' perspectives on family engagement in the context of child protection assessment. Child protection workers perceive the engagement related to 3 aspects: first, it is associated to the acts of the worker; second, it is associated to parental part of actions—depending on parents themselves; and third, engagement was seen as “doing together” with the family, referring to partnership. The aim of the engagement was mainly considered in the terms of empowerment—empowering family to cope on their own and to take charge of their lives. The negative image of child protection was recognised as one of the main barriers to the family engagement. Understanding the family and their situation was seen as the basis for a trusting relationship, being the most crucial factor to promoting family engagement.     

The Role of Empowerment in Home Care Work

ABSTRACT

The home care industry experiences similar problems with the recruitment and retention of direct care workers (DCWs) as those faced by institutions, and it is important to identify strategies to help retain and grow this important workforce. The empowerment of DCWs has been shown to be an effective strategy for increasing job satisfaction and decreasing turnover in nursing homes but has not been studied in home care. Using Kanter’s organizational theory of empowerment, including structural empowerment (structure of opportunity, access to resources, access to information, and access to support) and psychological empowerment (meaning, competence, self-determination or autonomy, and impact) this study examined whether home care workers (HCWs) feel empowered in carrying out their jobs. An exploratory, qualitative study of 12 HCWs, recruited from two states in the United States, found high levels of both structural and psychological empowerment among research participants, as well as a number of disempowering aspects of their job. Findings suggest ways to support elements of the work that HCWs find empowering and decrease elements that contribute to job dissatisfaction and turnover.     

Causes and Contexts of Domestic Violence: Tales of Help‐Seeking Married Women in Sylhet,Bangladesh

Domestic violence (DV) against married women is widely prevalent across Bangladesh and this merits nuanced attention. Multifarious factors are believed to perpetuate DV in different socioeconomic contexts within the country. This study aimed to understand the causes and contexts of DV in the Sylhet region (a distinct sub‐culture that carries Sylheti identity). This was a qualitative study based on the experiences of 42 victims of DV who sought help from two social welfare organizations, namely ‘Women Support Program (WSP)’ and ‘Bangladesh Legal Aid and Services Trust (BLAST)’, both located in Sylhet. Using in‐depth interviews, we tried to interact with the victims to retrieve the causes and contexts of DV in Sylhet. Findings revealed that a number of factors led to DV. These causal and contextual factors for DV were dowry practice, illiteracy, cultural approval of wife beating, women's silence, polygyny, socioeconomic dependency of the wife, conflicts related to extra‐ and premarital affairs, poverty, stigmatization, and drug addiction of the husband. The study concluded that all these factors could be brought under the umbrella of age‐old patriarchal cultural values that continue to create the contexts where DV takes place unabated.     

The socio-cultural context of child marriage in a Bangladeshi village

This article focuses on the reasons for child marriage in a Bangladeshi village. Although the mean age of marriage for women in Bangladesh is currently 20.2, nearly half of all girls are married before the age of 18. In Bangladesh, female sexuality is controlled through early marriage and the custom of purdah , which limits the social interactions between men and women. The methodology of this research was participant observation, supplemented by questionnaires, discussions, interviews and the construction of case studies. The study was conducted in a village in Bangladesh, and looked at why the rural people of Bangladesh marry off their daughters at an early age, whether they think that they will profit from it, and how. Cost-benefit analysis in exchange theory provides the theoretical framework. This study finds that child marriage occurs as a result of the profit-making motive of the people of Bangladesh, despite the huge costs to the individuals involved, the local community and society as a whole.     

Assessing the Effects of an Asset-Building Program in Resource-Constrained Households: The Case of Sub-Saharan Africa

ABSTRACT

Using a survey that was administered individually to respondents at set locations, this study examines the effects of participation in an asset-building program in resource-constrained households in rural Ghana (n = 120 in the experimental group and n = 120 in the comparison group). Results suggest the program is effective in reaching the most economically vulnerable households. We also learned that program participation was related to ownership of social assets, as well as psychosocial and financial well-being. Program characteristics, including trust among members and time spent on program-related activities, were related to enhanced social and financial assets, respectively. A number of implications emerge from this study. Given that the program, although effective in reaching the most economically vulnerable households, did not produce significant outcomes in such households, attention may be devoted to understanding ways to enhance the welfare of vulnerable program participants. A targeted approach may be a viable option. With respect to policy, consideration could be given to incorporating microfinance models in poverty alleviation strategies. Continued research using more rigorous design is needed to explore the relationship between microfinance and the welfare of vulnerable participants.