Rural Credit Programs and Women'S Empowerment in Bangladesh

Jahangirnagar University, Dhaka, Bangladesh
World Development (Impact Factor: 1.73). 02/1996; 24(4):635-653. DOI: 10.1016/0305-750X(95)00159-A
Source: RePEc

ABSTRACT This paper presents findings from a study of Grameen Bank and the Bangladesh Rural Advancement Committee (BRAC), two programs that provide credit to poor rural women in Bangladesh. The programs were found to have significant effects on eight different dimensions of women's empowerment. The authors use a combination of sample survey and case study data to argue that the success of Grameen Bank, is particular, in empowering women is due both to its strong, central focus on credit, and its skillful use of rules and rituals to make the loan program function.

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    • "Also debated are issues of financial viability and sustainability at the programme level (Ahmed and Townsend 1998; Rahman and Khandker 2000), the share of benefits reaching women versus men (Ahmed and Hassan 1990; Goetz and Gupta 1996; Rahman 2000); and the contribution of micro-level successes to macro-level poverty alleviation (Khandker 1998; Sen 2000). 3 For example, see Schuler and Hashemi 1996; Hossain and Huda1995; Momen et. al. 1995; Mahbub and Roy 1997; Husain 1998; and Rahman 2000. "
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    DESCRIPTION: Renewed attention to the successes and limitations of microfinance for the very poor makes this 2001 report for the World Food Programme rather relevant once more. It suggests limits to engaging ultrapoor women and a need to re-define 'graduation' from such programming interventions.
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    • "Most of the women (70%) we interviewed had been in the program from between six and 10 years. In an earlier study in Bangladesh, Hashemi et al. (1996) suggested that the longer a woman stayed as a member of either BRAC or Grameen Bank, the greater the likelihood that she will be empowered. Our focus group discussions and in-depth interviews with women revealed no such relationship. "
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    ABSTRACT: Microcredit for women is a commonly used strategy for women empowerment. Based on longitudinal qualitative research with rural women who are involved in an NGO-run micro-lending program in Ghana, this paper examines the empowerment effects of rural women’s access to microcredit. We found that some women are empowered as a result of their access to credit; some have little control over the use of loans and are not better off; and some are subjected to harassment and are worse off due to their inability to repay loans in time. The implications of these findings for policy and practice are discussed.
    World Development 02/2015; 66:335–345. DOI:10.1016/j.worlddev.2014.08.027 · 1.73 Impact Factor
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    • "While he avoids compiling a definitive list of those capabilities (Nussbaum, 1997), he elaborates on certain non-financial capabilities that are particularly influential, such as health, education and women's empowerment (Sen, 1999). These aspects have been extensively studied in empirical work on MC (Hashemi et al., 1996; MkNelly and Dunford, 1998; Pitt and Khandker, 1998; Wydick, 1999). Moreover, Sen argues for the acknowledgement of multiple " ends " of development as legitimately valued outcomes (Ansari et al., 2012; Nussbaum, 1997; Sen, 1999). "
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