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.     

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.     

Savings for Survivors: An Individual Development Account Program for Survivors of Intimate-Partner Violence

ABSTRACT

Survivors of domestic violence often remain in abusive relationships due to limited economic resources, economic dependence on an abusive partner, and economic abuse. Viewing women who have experienced domestic violence as “survivors” suggests that when provided access to appropriate resources, they will seek help and utilize such resources allowing them to increase their stability and potentially escape an abusive partner. Assets have been shown to have a variety of positive associations with a wide range of economic, social, and psychological outcomes. Economic initiatives, such as financial education and individual development accounts (IDAs), aimed toward survivors of domestic violence are on the rise. However, to date, there are few studies. Data on IDA activity, including savings rates, withdrawals, and asset purchases, for 125 women who participated in an IDA matched-savings program for survivors of intimate-partner violence were examined. Approximately 2/3 of women reached their savings goal and 76% made at least 1 matched-savings withdrawal and asset purchase. Results suggest survivors can be successful savers and purchase assets that may contribute to their economic stability. Implications are discussed, including the need for long-term studies to examine how participation in a matched-savings program affects women's well-being, safety, and future experiences of intimate-partner violence.     

Activation programmes for women with a partner in Germany: Challenge or replication of traditional gender roles

In 2005, Germany implemented major welfare benefit reforms that encourage an adult worker model of the family. In this study, we hypothesised that, despite these reforms, women's assignments to activation programmes would in practice still tend to replicate the degree of labour market attachment to which they had become accustomed relative to their partner in the past. We compared programme entries between women in former male breadwinner, dual earner, no-earner and female breadwinner households and applied event-history analysis to large-scale administrative data. Our findings showed that in western Germany – but not in eastern Germany – women's assignments to activation programmes indeed replicated their prior labour market attachment relative to their partner. Key Practitioner Message: • Among women receiving Unemployment Benefit II in Germany, women with partners participate in activation programmes less often; • This tendency applies especially to western German women with less employment experience and lower former earnings than their partners; • A framework should be devised to inquire about previously non-employed women's interests in ALMP participation and offer them such opportunities.     

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.     

Men's Migration and Women's Lives: Views from Rural Armenia and Guatemala*

Objectives. This study seeks to comparatively assess the consequences of men's migration for gender roles and relations in Armenia and Guatemala. Methods. We use 29 in‐depth interviews conducted with women in Guatemala and 27 interviews conducted in Armenia, complemented with field observations. Results. Men's migration exerts diverse effects on their wives' lives, and these effects are mediated by the sociocultural milieu in which the women live and by the context in which the men generate incomes. As do other studies, we find that women take on added responsibilities when their partners migrate for work, but unlike most other studies, our data do not show that these new responsibilities significantly transform women's status and relationships. Conclusions. On balance, the division of labor established through the husbands' migration further reinforces gender inequality. Men's role as breadwinners and primary decisionmakers is further strengthened, as is women's subordinate position in the household.     

Women's participation in self‐help groups as a pathway to women's empowerment: A case of Nepal

Non‐governmental organizations (NGOs) and the government of Nepal have made some effort to reduce poverty in Nepal by creating women's affiliation groups, some of which are micro‐credit organizations. Using capabilities as defined by Amartya Sen (Development as freedom, Oxford University Press, New Delhi, 2000), which includes employment opportunities, women's ownership in productive resources such as land and/or homes, educational opportunities, and women's participation in decision‐making in the family, this study evaluated the extent to which women's ethnic group or caste affiliation affected a woman's likelihood of being empowered by participation in these groups. We analyzed a sample of 8,973 women which was taken from the 2011 Nepal Demographic and Health Survey. Previous research has demonstrated that participation in gender‐based groups is correlated with higher economic status. This study adds to the literature on women's affiliation groups by investigating the impact of structural factors, such as caste and ethnicity, on women's self‐help group participation (women's groups and credit groups).     

Who's Calling the Shots? Women Coaches in Division I Women's Sports*

Objective. During the past 30 years, women have become an increasingly small proportion of coaches of women's sports. We test several explanations for why some institutions have women coaches and others do not. Methods. Taking the 329 NCAA Division I institutions with women's sports programs as the cases in point, we explore possible explanations for the dearth of women coaches: the resources and prestige of an institution or sport; the gender of the athletic director; and institutional traditionalism. Results. Within Division I schools, women coaches are more frequently found in more prestigious, resource‐richer institutions and those that devote more resources to women's sports. Conclusions. Although the analysis is confined to Division I schools, it appears that more institutional and organizational efforts need to be made to increase the number of women in the eligible pools for head coaching jobs.     

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.     

Domestic violence,housing and employment: Workers' perspectives on employment assistance in supported accommodation

In response to contemporary understanding about the association between financial security and women's ability to escape domestic violence and homelessness, this paper reports on a small scale pilot study conducted with workers from generalist homelessness services and domestic violence‐supported accommodation services in South Australia on responding to women's requests for assistance to seek employment. Workers from both accommodation service types advised that approximately one third of women at their services asked for employment‐related assistance at the point of service intake or soon after. Although relatively few women received employment support following their requests, assistance was four times more likely at the generalist homelessness services than the domestic violence services. Agency priorities, philosophies and workers' assessments of women's capacity to engage in employment were cited as reasons for not responding to women's employment requests. Women who secured employment prior to service exit, whether helped to do so or not, were perceived as more confident with the prospect of supporting their families independently following exit and more able to secure suitable housing when compared to other women. Follow‐up and outreach visits indicated that women who worked had a stronger sense of financial security, housing stability and social connectedness, but that maintaining employment following service exit was difficult.     

Women,Welfare and Civil Society Organizations: Creating an Alternative Women's Welfare Sphere in Israel

This article examines the phenomenon of Israeli civil society organizations (CSOs) providing services to women as part of the creation of an alternative women's welfare sphere in Israel in recent years, and its influence upon the welfare state and women. The creation and the existence of the women's civil society sphere can be seen as part of a move by the Israeli welfare state towards a liberal‐style economic regime. The article examines the services and mode of operation of fourteen organizations offering welfare, health and educational services to women in Israel, using a qualitative research method. The study identifies four traits characterizing these organizations: their loose connections with the welfare state, the use of sectoral and selective criteria determining eligibility for their services, the mirroring of internal dynamics of the community and its response to gender issues, and the CSOs' holistic, sporadic and unprofessional services. The analysis highlights the gender dimensions of civil society organizations, the characteristics of structure and content of the services they offer, and the role and place of civil society organizations operating parallel to the welfare state. It sheds light on the complex nature of this sphere and its services, which contribute to the empowerment and improvement of women's lives but, simultaneously, strengthen and reinforce their exclusion and marginalization.     

Drinking: Another glass ceiling? Social drinking and alcohol use among women in Korea

Korean society is experiencing a rapid increase in alcohol consumption among women. Research on women's alcohol use has focused mostly on problems and pathological symptoms associated with alcohol use. Focusing only on problems of alcohol use risks overlooking some important social phenomena where alcohol use is a medium. We examined the association between marital status, childcare responsibility, employment status and social drinking behaviour. Our aim was to examine how these factors influence women's alcohol consumption in order to provide an empirical explanation of how the traditional division of labour limits women's social drinking practices. Findings show that women are structurally excluded from social drinking behaviour due to domestic responsibilities (as a wife and a mother). In other words, social drinking has become another glass ceiling for women. Key Practitioner Message: ● Attention should be given to structural influences on women's alcohol use; ● It is important to consider gender inequality in both formal and informal domains.     

Argentina’s Emergency Family Income (IFE): An opportunity for women’s empowerment

This article provides empirical evidence regarding the impact of the Emergency Family Income (Ingreso Familiar de Emergencia – IFE), which was implemented in Argentina in 2020. Investigated is the impact of the IFE on women’s role in providing household income and on the distribution of roles within households, as a reflection of women’s empowerment. Drawing on various household surveys, the study compared those women eligible to receive the transfer with those who were not. A difference-in-differences (DID) methodology was used to measure the impact. Following the implementation of the IFE, women’s share of couple income and household income is found to have increased by some 8 per cent and 11 per cent, respectively, while the probability of women being solely responsible for household chores has fallen by 4 per cent.     

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.     

‘I Might not Live That Long!’ A Study of Young Women's Pension Planning in the UK

There has been considerable concern about levels of pension saving especially given increases in longevity and rising pension deficits. In particular, the prospects of many future female pensioners have been questioned. As pensions are determined by contributions throughout the life course it is imperative to comprehend the attitudes, knowledge, expectations and savings habits of people from an early age to explore why under‐saving occurs. This is particularly pertinent given recent governments' emphasis on individual responsibility for financial provision in retirement. However, there is little research which focuses specifically on young women's attitudes or planning towards pensions despite considerable concern about the future of women's pensions. This article considers young women's (18–30) attitudes towards pensions and whether they differ according to socio‐economic status by using interviews with 15 women (five in routine and manual occupations, five intermediate, five professional and managerial) about how knowledge and choice, trust, responsibility, risk and uncertainty impact on their pension decisions. It is evident that the ability and willingness of people to contribute to a pension depends, among other things, on the pension offered by employers, the pension requirements in place and immediate financial needs. Therefore this article shows that pension policy needs to take into account women's employment histories, which are often fragmented and diverse, when considering young women's attitudes towards pension saving.     

Women and Government Budgets

In recognition of the significant, but often unknown, impact of government budgets on the role and status of women, both Federal and State Labor government administrations have introduced ‘women's budget’ statements. It is important to recognise that the political motivation of governments in establishing women's budgets has been primarily political self interest. To some extent, however, the move also reflects the growing economic focus, and power, of the women's movement. This paper examines the content and limitations of women's budget programs.     

The economic consequences of divorce in six OECD countries

This article uses longitudinal data to estimate the short‐ and medium‐term economic effects of divorce in the USA, the UK, Switzerland, Korea, Germany and Australia during the first decade of the 21st century. Based on the data collected during the 2000s, in all of the countries studied, divorce had, on average, negative effects on the equivalised household incomes of women. However, the extent and duration of the negative effects of divorce differed markedly between countries. In all of the countries, the effects of divorce on the equivalised household income of men were smaller than for women. Although, using the available data, it is not possible to definitely explain the differences between countries, the analysis presented in this article has demonstrated that the average economic effects of divorce, particularly for women, are heavily influenced by the social security system, the labour market, family models and the family law system of each country. While the social security system and institutional arrangements such as child support and spousal maintenance do influence women's post‐divorce economic outcomes, what is most important in explaining cross‐country differences is women's labour market earnings and the extent to which re‐partnering occurs.     

Domestic responsibilities and the employment of young Māori women

Abstract

While the employment rate of women has risen steadily in New Zealand over the last two decades, employment is still highly variable by ethnicity and age. One of the groups least engaged in paid employment is young Māori women (15–24 years). Their employment rates are much lower than their Pākehā counterparts (42 and 64%, respectively) and this is not offset by their greater involvement in education.

Although there is a general awareness of these differences, there has been no systematic enquiry into the possible reasons for the relatively low engagement of young Māori women in the formal economy. Using a full set of 178,776 unit records pertaining to all young Māori and Pākehā women from the 2001 Census of Population and Dwellings, we develop a number of novel measures of household composition as indicators of domestic responsibilities. These become arguments in a multivariate statistical model in which young women are modelled as choosing to participate in the formal paid workforce and/ or in education.

Our results show that young Māori women's choice of paid work is no more sensitive to her domestic responsibilities than those of young Pākehā women, but they do encounter these responsibilities far more often. The results have a number of important implications for Māori development.