Impact of microfinance institutions on women empowerment - a qualitative study in the Indian context

2021 ◽  
Vol 29 (1) ◽  
pp. 61
Author(s):  
Richa Das
Keyword(s):  
Qualitative Study ◽  
Women Empowerment ◽  
Microfinance Institutions ◽  
Indian Context

scholarly journals Consequences of Gossiping on Women Empowerment

2017 ◽  
Vol 10 (15) ◽  
pp. 6-12
Author(s):  
Shumaila Umer ◽  
Zaheruddin Othman ◽  
Kalthum Bt Haji Hassan ◽  
Rahila Umer ◽  
Habib Ur Rehman
Keyword(s):  
Qualitative Study ◽  
Social Control ◽  
Human Society ◽  
Women Empowerment ◽  
Men And Women ◽  
Women’S Experiences ◽  
Inductive Approach ◽  
Women's Experiences ◽  
The Social ◽  
Depth Interviews

AbstractGossip is prevalent and is widespread in human society. Gossip has been denigrated as ‘idle talk’, mostly among women based on ‘trifling or groundless rumour’. The nature and intensity of gossiping victimise women in society. Consequently, women bear serious threat to their well standardized lives. The study aims to understand the women’s experiences with gossiping as a barrier to empowerment. This is a qualitative study with inductive approach. Men and Women are selected as a informants for this study. The data were congregated through in-depth interviews. The results indicate that gossiping or fear of being gossiped is a strong social control in the social setup of Balochistan. This prevents women from being empowered. This paper is intended to be a contribution to exploiting the ideas of women about gossiping as an essential social control or barrier for empowering women.

scholarly journals Performance of Multiple Borrowing Clients in Gandaki Province of Nepal

2019 ◽  
Vol 2 ◽  
pp. 18-31
Author(s):  
Bharat Ram Dhungana ◽  
Ramkrishna Chapagain
Keyword(s):  
Economic Performance ◽  
Regulatory Authority ◽  
Capital Expenditure ◽  
Women Empowerment ◽  
Income Generation ◽  
Consumption Expenditure ◽  
Microfinance Institutions ◽  
Inferential Statistics ◽  
Significant Difference ◽  
Micro Enterprises

The multiple borrowing problems are more common in microfinance institutions in Nepal. The study aims to evaluate the performance of multiple borrowing clients in Gandaki province of Nepal with reference to Muktinath Bikas Bank Limited (MBBL). The performance of multiple borrowing clients, in terms of women empowerment, consumption expenditure, capital expenditure, micro-enterprises creation, saving, investment, and profit, has been examined with the help of descriptive and inferential statistics. The study has been confined to five districts of Gandaki province and the data have been collected from MBBL clients who are involved in microfinance intervention at least from the last five or more years. The performance of most of the observed clients was empowered by microfinance activities but no significant difference in terms of changes in the livelihood parameters. Although microfinance programmes empower clients, the results of the investment, saving, micro-enterprises creation, capital and consumption expenditure, and income generation of clients are not convincing. The regulatory authority should identify the problems of multiple borrowing whether the financing from microfinance institutions is just for their profit or for productive application of loan. The socio-economic performance of clients is connected with the effective monitoring of clients made by microfinance institutions whether the loan has been properly utilized or not.

scholarly journals Dimensions of Women Empowerment Through Microfinance

2021 ◽  
Vol 5 (9) ◽  
pp. 41-43
Author(s):  
Rejoice Solomon* ◽  
Ranu Sharma
Keyword(s):  
Rural Women ◽  
Financial Services ◽  
Crucial Role ◽  
Poverty Alleviation ◽  
Women Empowerment ◽  
Microfinance Institutions ◽  
Self Help ◽  
Economic Background ◽  
The Needy ◽  
Self Help Group

Microfinance institutions’ plays a crucial role for the upliftment of rural women. Women are the key of a nation development. So in order to attain the development of a nation there is need to empower the women of our nation. Microfinance institutions have always seen as a tool of poverty alleviation as they provide the facility of financial services to the needy and the weaker section of the society without any collateral security. And it proved itself as a tool of poverty alleviation. Thus it also a vaccine for women empowerment. Empowerment of women can be done with the help of Self-Help-Group. Where 10-12 women form a group with same socio-economic background and they were trained, educated so they may uplift their family, their society and ultimately the nation as whole. The objective of this paper is to understand the different dimension of women empowerment with the help of microfinance. And from the study it was seen women should be psychologically, economically and Socially Empowered and it all comes with the help of microfinance. And microfinance proved that it a vaccine for the empowerment of women.

scholarly journals Impact of Microcredit on Women Empowerment Indicators: An empirical reserach in the state of Uttarakhand

2019 ◽  
Vol 8 (3) ◽  
pp. 3702-3709
Keyword(s):  
Economic Development ◽  
Rural Areas ◽  
Positive Impact ◽  
Cultural Factors ◽  
Group Model ◽  
Women Empowerment ◽  
Microfinance Institutions ◽  
Joint Liability ◽  
Socio Economic Development ◽  
The Impact

Women Empowerment has been on national agenda of every government. In developing nation women comprises fifty percent of the population so empowering them is crucial for development and nation building. Various Microfinance Institutions (MFIs) extends microcredit/loan via group model (Self Help Groups and Joint Liability Groups) to the marginalised segment particularly women groups and minorities primarily residing in rural areas with an aim to empower them and foster their socio-economic development. Previous studies have shown that microcredit has positive impact, but providing credit alone does not guarantee empowerment of the member beneficiaries. From past studies it can be concluded that empowerment demand an integrated approach from all the participating bodies/institutions involved, only then can be the objective of socio-economic development be accomplished. Since today very limited literature is available on microcredit and its impact. The current research examines the impact of microcredit on women empowerment indicators (decision making, awareness and psychological factors) of member beneficiaries in Haridwar district of Uttarakand. Women are organized into groups (Joint Liability Groups) and provided microcredit /loan. Non Probability sampling (Convenience Sampling) technique is adopted in sample selection where access to microcredit serves as independent variable and women empowerment indicators serves as dependent variables. The study consists of sample size of 362 member beneficiaries. Hypothesis testing is applied to find the significant association between the dependent and independent variables. Inferential statistics i.e Chi sq test is used to find the association/relationship between access to microcredit and empowerment indicators. Results indicate that there is no association between access to microcredit and women empowerment indicators. The results indicate that microcredit vial JLGs makes no impact on the empowerment indicators, making no improvement in the lives of its beneficiaries. There is need of regular and continuous impact assessment by credit institutions, participation from states and local bodies, must be analysis of socio-cultural factors and formation of women self administered system are some of the recommendations of the study. The results can be used by various stakeholders in designing better approach and as it provides them information on the areas which needs improvement so that microcredit can bring positive difference in the lives of beneficiaries. Also, it opens doors for further research in order to explore the socio-cultural factors which influence women empowerment

scholarly journals Integrating National Social Missions and Infrastructure Development in the Indian Context: A New Direction for CSR Expenditure

2019 ◽  
Vol 8 (11S) ◽  
pp. 302-309
Keyword(s):  
Community Development ◽  
Corporate Responsibility ◽  
Annual Reports ◽  
Women Empowerment ◽  
Infrastructure Development ◽  
Business Organizations ◽  
Sustained Activity ◽  
Indian Context ◽  
Net Profit

Shift in the philosophy of corporate responsibility being voluntary to mandatory has enforced the business organizations to spend 2% of their average net profit on various community development activities. Across the sectors it can be observed that there has been more emphasis on some select areas such as education and environment. The not so focused and scattered initiatives have resulted in the underutilization of the budgeted CSR across businesses belonging to various sectors. The concept of CSR being seen as a mandate has resulted in the money being spent but not resulting in the outcome which can be seen as sustained activity. Authors in this paper investigated 120 top market cap companies for their CSR expenditure between FY 2014-2015 to FY 2017-2018. CSR funds utilization of these companies was analyzed with respect to 8 designated areas such as education, health and sanitation, environment, women empowerment etc. as per the CSR Act 2013. Data collection for the study is based on the authentic sources such as publicly available annual reports of the companies and Bloomberg. The study discusses the role of these companies with regard to nontargeted CSR budget spending and it’s relationship with national Missions/ Policies/ Agenda. With a focused approach and strategy which involves all the stakeholder’s involvement, the study proposes a theoretical model for utilization of the CSR funds such as infrastructure building for national missions such as SWACH Bharat, Ayushman Bharat , Smart City Initiatives etc.

Women Entrepreneurs and Microfinance Institutions

2021 ◽  
pp. 211-227
Author(s):  
Waseem Ul Hameed ◽  
Muhammad Farhan Basheer ◽  
Jawad Iqbal ◽  
Qasim Ali Nisar ◽  
Muhammad Saeed Meo ◽  
...  
Keyword(s):  
Women Entrepreneurs ◽  
New Ventures ◽  
Vital Role ◽  
New Venture ◽  
New Venture Creation ◽  
Women Empowerment ◽  
Positive Contribution ◽  
Venture Creation ◽  
Microfinance Institutions ◽  
Important Relationship

The objective of this chapter is to highlight the important relationship between microfinance institutions and women entrepreneurs in new venture creation. This chapter is proposed because women-empowerment is one of the crucial issues worldwide. In certain parts of the world, women are bound to customs, norms, beliefs, which are unique. These issues are found to promote social problems and hinder the economic contribution from women. In this direction, microfinance institutions are playing a vital role to promote women-empowerment through providing various opportunities to create new ventures. New venture creation increases the women social and economic empowerment through income generation. Various microfinance factors such as micro-credit, micro-saving, micro-insurance, and micro-training/skill development have a significant positive contribution to create new ventures. Finally, this chapter could be beneficial for microfinance institutes, state bank and government in making the strategies to enhance women-empowerment through new venture creation.

Microfinance and Women Empowerment: An Empirical Analysis

2019 ◽  
pp. 52-64 ◽  
Author(s):  
Madhabendra Sinha ◽  
Sudhansu Sekhar Mahapatra ◽  
Abhijit Dutta ◽  
Partha Pratim Sengupta
Keyword(s):  
Three Dimensions ◽  
Multivariate Probit ◽  
Primary Data ◽  
Women Empowerment ◽  
Microfinance Institutions ◽  
Self Help ◽  
Self Help Groups ◽  
The Impact ◽  
Women Borrowers

The present chapter empirically examines the role of microfinance access on women empowerment by using primary data on women borrowers from different microfinance institutions in Nadia and Murshidabad districts of West Bengal in India. Microfinance institutions play an important role in strategies related to gender and development due to their active relationships with women empowerment and poverty alleviation. The various programmes under microfinance like self-help groups (SHGs) are promoted and inspired for their significant economic impacts on empowerment of women. We investigate the impact of microfinance access on three dimensions of women empowerment, which make influence upon decision making on the issues of credit, expenditure and children. We conduct a primary survey on about eight hundred respondents of women borrowers from different microfinance institutions and apply multivariate probit estimation. Our findings imply that the greater access to microfinance credit negatively impacts on economic empowerment i.e. decisions on credit and expenditure related issues.

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