...Journal of Management and Social Sciences Vol. 9, No. 2, (Fall 2013) 09-22 Women Empowerment Through Microcredit: Step Towards Alleviating Feminization of Poverty Sara Wali Qazi* Sindh Madressatul Islam University (SMIU) Karachi Dr. Manzoor Isran* SZABIST Karachi Dr. Samina Isran* Shah Abdul Latif University, Khairpur Dr. Nadeem A. Syed* SZABIST Karachi ABSTRACT Purpose - The study explores and evaluates the women‟s experiences with microcredit facility for the purpose of women empowerment. While there is a mutual understanding and general consensus on closer nexus between women empowerment and microcredit, women are disempowered for variety of reasons such as lacks of financial resources, being a member of patriarchy society, misinterpreted religious concepts about her role and position in the society, and cultural restraints. However, microcredit, globally promoted as a “miracle cure” for the financially weak, especially women who face so many problems accessing microcredit for variety of reason, which have been discussed in detail in this study. Methodology/Sample - This is qualitative study with inductive approach, and interpretive philosophy which allow the existence of multiple subjective perspectives and construction of knowledge. Women who availed microcredit from microfinance institutions (MFIs) were selected for the research study. The data was congregated through in-depth interviews and stopped at saturation level. Through phenomenological analysis...
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...WOMEN EMPOWERMENT IN KENYA: A SURVEY OF MERU COUNTY A Research Project Submitted to the School of Human Resource Development in Partial Fulfillment for the Award of the Degree of Executive Master Of Business Administration of Jomo Kenyatta University of Agriculture and Technology JULY 2013 CHAPTER ONE Introduction 1.1 Background information Several studies show that access to microfinance contributes to poverty reduction, particularly for women participants, and to overall poverty reduction at the village level. It also contributes to women empowerment, including higher levels of mobility, political participation and decision making. According to the State of the Microcredit Summit Campaign 2001 Report, 14.2 million of the world’s poorest women now have access to financial services through specialized microfinance institutions (MFIs), banks, NGOs, and other nonbank financial institutions. These women account nearly 74 percent of the 19.3 million of the world’s poorest people now being served by microfinance institutions. Most of these women have access to credit to invest in businesses that they own and operate themselves. Microfinance programs have been deemed to have the potential to transform power relations and empower the poor—both men and women. As a consequence, microfinance has become a central component of many donor agencies’ and national governments’ gender, poverty alleviation...
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...NGO Promoted Microcredit Programs and Women's Empowerment in Rural Bangladesh Introduction: Nongovernmental organizations (NGOs) in rural Bangladesh are reaching out to poor women with collateral-free credit programs aimed at both alleviating poverty and increasing women's status. The present study investigated the hypothesis that participation in credit-related activities by NGO credit members leads to greater empowerment of credit members compared to nonmembers. Objectives: To measure the status of empowerment of rural women (both members and non members of the micro-credit organization) in the selected areas To ascertain the factors related to empowerment of women and To assess the role of the micro-credit organizations in empowering rural women in Bangladesh The main objective in this paper was to determine the important factors that contribute to women’s economic success in microcredit programs Women Empowerment: Empowerment refers to increasing the spiritual, political, social or economic strength of individuals and communities. It often involves the empowered developing confidence in their own capacities. empowerment of women, also called gender empowerment, has become a significant topic of discussion in regards to development and economics. Entire nations, businesses, communities, and groups can benefit from the implementation of programs and policies that adopt the notion of women empowerment.[1] Empowerment is one of the main procedural concerns when addressing...
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...Programme SOCIAL DEVELOPMENT AND POVERTY ELIMINATION DIVISION WP 5 GENDER AND POVERTY* Nilüfer Cagatay May 1998 WORKING PAPER SERIES *The responsibility for opinions in these articles, studies and other contributions in this series rests solely with their authors, and publication does not constitute an endorsement by the United Nations Development Programme or the institutions of the United Nations system. Table Of Contents Introduction I. Women And Poverty: Are Women Poorer? II. From Women and Poverty to Gender and Poverty A. Engendering Poverty Analysis B. New Conceptualizations of Poverty C. From Consumption/Income Poverty to Human Poverty D. Are Women Poorer?: Revisiting the Question from a Human Poverty Perspective E. Assessing Gender Differences in Poverty: Quantitative versus Qualitative Approaches F. Do Gender Inequalities Increase Overall Poverty? III. What Is To Be Done? What Is Being Done? A. Gender Mainstreaming at UNDP B. Engendering Anti-Poverty Projects and Programmes Figures Figure 1: A Pyramid of Poverty Concepts Boxes Box 1: Chile: Targeting Female Headship for Combating Poverty Box 2: Gender and Poverty in Guinea: Human Poverty versus Consumption Poverty and Participatory Approach to Poverty Assessment Box 3: South Asia Poverty Alleviation Program (SAPAP): The Case of India Social Mobilization through Self-Help Groups 1 “The causes and outcomes of poverty are heavily engendered and yet traditional...
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...AS STRATEGIC TOOLS FOR POVERTY ALLEVIATION IN NIGERIA Dr. O. J. K. Ogundele Department of Business Administration & Management Technology Lagos State University, Ojo; Lagos Nigeria. Waidi Adeniyi Akingbade Department of Business Administration & Management Technology Lagos State University Ojo; Lagos, Nigeria. Hammed Babatunde Akinlabi Associate Lecturer Lagos State University External System Ojo, Lagos, Nigeria. Abstract The main objective of the study is to investigate the intensity of entrepreneurship training and education as strategic tools for poverty alleviation in Nigeria. Using a stratified random sampling technique, 250 entrepreneurs and apprenticeships from five recognized local government areas in Lagos state, South Western Nigeria were selected as our respondents. Data were gathered through a self-monitored questionnaire survey. Simple regression analysis was used to test the relationship between the entrepreneurship training and education and poverty alleviation. Two hypotheses were postulated to determine the relationship between technical skill and youth empowerment and between personal entrepreneurial skill and social welfare services. This study confirmed that entrepreneurship training and education are significantly related to the youth empowerment and social welfare services. Findings revealed that youth empowerment are influenced by their acquired technical skill. The study recommends effective technical education, youth empowerment, and social welfare service...
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...BUSINESS ENVIRONMENT A TERM PAPER ON PROJECT SHAKTI - _STRATEGIC ADVANTAGES OF CSR SUBMITTED BY; NAME;-Pravita Mehta ROLL;-Ao1 SECTION;-RT1002 REGISTRATION NUMBER;-11008575 COURSE;-MBA(3501) CONTENTS 1.INTRODUCTION 2.PROJECT SHAKTI-ORGANIZATION NAME UNLEVEL PROBLEM AND SOLUTION 3.BENEFITS 4.HUL-PROJECT SHAKTI PRESENTATION TRANSCRIPT 5.SUPPORT SHAKTI. 6.MARKET LINKAGE FOR RURAL PRODUCTS 7.INDUSTRY ROLE IN BUILDING MARKET LINKAGES 8.SCOPE AND OPPORTUNITIES 9.LITERATRURE REVIEW 10.CONCLUSION 11.REFERENCES AND BIBLIOGRAPHY Introduction Rural products of India are unique, innovative and have good utility and values. Large number of these rural products (like handicraft items, food products, embroidery, clothes & other products) sustains a significant segment of the population in the rural areas. Several attributes of rural products can be identified, for which, it has a demand in the market. Out of the lots, ‘ethnic origin’ and ‘indigenous design & appearance’ are two traits of rural products, attracting a premium in the market. But, contrary to this, the non-uniformity of rural products (from one another) and lack of its quality control measures has been creating a negative demand. Besides, the small sized and dispersed...
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...CONTENTS 1.INTRODUCTION 2.PROJECT SHAKTI-ORGANIZATION NAME UNLEVEL PROBLEM AND SOLUTION 3.BENEFITS 4.HUL-PROJECT SHAKTI PRESENTATION TRANSCRIPT 5.SUPPORT SHAKTI. 6.MARKET LINKAGE FOR RURAL PRODUCTS 7.INDUSTRY ROLE IN BUILDING MARKET LINKAGES 8.SCOPE AND OPPORTUNITIES 9.LITERATRURE REVIEW 10.CONCLUSION 11.REFERENCES AND BIBLIOGRAPHY Introduction Rural products of India are unique, innovative and have good utility and values. Large number of these rural products (like handicraft items, food products, embroidery, clothes & other products) sustains a significant segment of the population in the rural areas. Several attributes of rural products can be identified, for which, it has a demand in the market. Out of the lots, ‘ethnic origin’ and ‘indigenous design & appearance’ are two traits of rural products, attracting a premium in the market. But, contrary to this, the non-uniformity of rural products (from one another) and lack of its quality control measures has been creating a negative demand. Besides, the small sized and dispersed production units of these rural products hinder realization of the economies of scale in marketing and result in high transaction costs per unit of output. Niche-based products have no local market. Products in local use are also not marketed horizontally; they often first travel down to market through a long chain of intermediaries and then up to more difficult locations...
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...Mekelle University Institute of Environment, Gender and Development Studies Department of Gender and Development studies A Research Proposal On An Assessment on the role of micro and small enterprises on economic empowerment of women: a Survey of Women operated Enterprises the case of Mekelle city, Tigray In Partial fulfillment of the requirements for obtaining the Masters Degree in Gender and Development Studies By: Tsega Ymesel January, 2015 Mekelle, Ethiopia Table of Content Table page 1. Introduction 1 1.1 Background 2 1.2 Statement of the Problem 4 1.3 Objective 5 1.3.1 General Objective 5 1.3.2 Specific Objectives 5 1.4 Significant of the Study 6 1.5 Scope and limitation 6 1.6 Organization of the Paper 6 3. Methodology and Materials 7 3.1 Description of the Study Area 7 3.2 Research Method and Procedures 8 3.2.1 Data type and Source 8 3.2.2 Study Design 8 3.2.2.1 Sampling 8 3.2.2.1.1 Sample frame 8 3.2.2.1.2 Sample Size Determination 8 3.2.2.1.3 Sampling Techniques and sample Size 8 3.2.3 Data collection and Instruments 9 3.2.4 Variables of the study 9 3.2.5 Data Processing and Analysis 9 3.2.6 Model Specification 10 REFERENCE 12 1. Introduction There are different ways of defining the term small and micro enterprises in different countries. The base for defining is depends on the number...
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...wider dimension known as microfinance, has become a much favored intervention for poverty alleviation in the developing countries and least development countries. There is scarcely a poor country and development oriented donor agency (multilateral, bilateral and private) not involved in the promotion (in one form or other) of a microfinance program. Microfinance programs claim many achievements as its impact and an outside observer cannot but wonder at the range of diversity of the benefits claimed. Although Bangladesh has huge potential for development, it is, for various socio-economic reasons, among the poorest countries in the world. About half of the country's population lives below the poverty line with 80% in the rural areas. The burden of poverty falls disproportionately on women, who constitute half of the total population. Logically, therefore, poverty alleviation and creation of rural employment are top priorities in the development agenda of the government of Bangladesh (GOB) which has adopted a broad based approach to poverty alleviation, emphasizing macroeconomic stability, economic liberalization, and support for a number of government agencies and non-government organizations (NGOs). Substantial progress has been made in implementing the microcredit program (MCP), and the scope for its efficient expansion is enormous. Considering the significance of microfinance program in poverty alleviation in Bangladesh, I have selected this topic for preparing my internship...
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...looks at the corporate social responsibility (CSR) efforts and activities undertaken by Grameenphone. CSR is becoming increasingly popular as well as necessary in Bangladesh as the country becomes more and more integrated into the global economy. The importance which organizations, particularly multinational companies, have given to social responsibility is pervading the Bangladesh economy. Grameenphone is one of the pioneers in this field, and it has made some noteworthy contributions to the development of the nation. This report examines some of these efforts and initiatives, including Grameenphone’s commitment to assisting Bangladesh achieve four of the eight the Millennium Development Goals, which are: • Poverty alleviation • Healthcare • Empowerment • Education This report also looks at Grameenphone’s CSR efforts in the areas of environmental awareness and responsibility in the workplace. In addition, it provides a brief overview of the company. Secondary data collection methods were used to collect the data for this report. It can be concluded that Grameenphone’s numerous CSR activities are sufficient and befitting an organization of its size, and its drive to continuously improve its activities is laudatory. Brief Overview of Grameenphone Grameenphone is a telecommunication organization which has been providing its services in Bangladesh since 1997. It is a joint venture enterprise between Norway’s telecommunication giant, Telenor, and a non-profit...
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...reduces economic dependency and encourages all round development of a community. Empowerment means the process of change by which a person or a group acquire power or capability over their existence such as prosperity availability of resources, increased self-confidence and decision making power. Women empowerment refers to the complete liberation of women from socio economic dependency and impoverishment. Women empowerment leads to economic growth, poverty reduction, increased well-being, etc. Self Help Group (SHGs) based microfinance programme is a...
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...Macro Systems Paper Amanda Swift BSHS 325 November 10, 2014 Johnetta Barnes Macro Systems Paper Empowerment understands your own strengths and resources available to you in order to solve your own problems. Empowerment has several dimensions including personal, interpersonal, and political understanding. Personal empowerment comes from within the self. It is closely related to self-worth. The idea of empowerment can push a person towards their personal goals. Interpersonal empowerment is more than one person working toward a goal. These people collectively contribute the strengths and knowledge to reach the goal. Lastly, political empowerment is government working to help communities by providing strategies for success on specific issues. It often includes funding and services provided by social work teams. Social work is defined as the work carried out by trained personnel with the aim of alleviating certain conditions of those in need. Social work, at its core, is divided into subcategories; micro, mezzo, and macro. The micro system refers to the individual and their specific needs, problems, and strengths. Micro systems focus on how the individual might address issues, generate solutions, and make the best effective choices (Zastrow, 2009). Micro systems look at different ways to enhance a person’s functioning in society. These include physical and psychological issues. In contrast to the micro system, the mezzo system consists of small groups. Families, work ties...
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...University, karaikudi. ABSTRACT Micro small and medium enterprises help in promoting economic growth and employment opportunity. Before 2006 this sector was called as a Small Scale Industry. Thereafter it was converted as an MSME sector. The MSME growth is incomparable by the help of bank credit. Micro small and medium enterprises and their role in economic growth and employment generation in the Indian context .the article how policy environment for promoting MSMEs changed from ‘protectionism ‘during the pre-1990s to ‘export orientation’ during the post-1990s. The key constraint faced by the MSMEs including access to credit and technology, redtapism and the like. The MSEs to promote the rural economy for in general and rural women empowerment in particularly the rural women are taken ,economic improvement ,social development, and individual decision making through the . MSEs.the MSEs are promoting the rural entrepreneurship. Key words: MSME, SME , SSI, Credit Rating Introduction Indian economy based on rural economy .Father of nation mahatma Gandhi told India “lives in village”. T he r eal national development through the rural economy .the development of rural economy through the r ur al bas ed micr o, small a nd medium enterprises, The most of the entrepreneurs are micro rural the micro enterprises mostly participate rural women through the self help Groups and unregistered groups and NGOs In India, plans and policies as well as the for mation have laid str ess on women ...
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...Assignment On Globalization and its impact on women rights and empowerment Course Title Development Economics Course Code F-210 Submitted To AlfarunnaharRuma Lecturer Dept. of Economics Submitted By Group- 01 Session: 2010-2011 Finance & Banking JatiyaKabiKaziNazrul Islam University Trishal, Mymensingh Submission Date: 24 January 2013 Members of group one Serial No. | Name | ID Number | 01 | Md.DelowerHossain | 11132601 | 02 | MahimaAkter | 11132602 | 03 | PankazePadaBhoumik | 11132603 | 04 | MahmudulHasan | 11132604 | 05 | SadiqurSattarAkand | 11132605 | Globalization and its impact on women rights and empowerment INTRODUCTION In the 21st century, globalization has become the ‘Zeitgeist’ re-shaping different dimensions in life. Globalization also affects women’s rights and its overall impact on women has become a critical agenda in gender-related studies. In an attempt to empirically investigate this argument, much of the literature focuses on the effects of economic integration on women’s economic activities. These studies look into the impact of globalization on women through an angle of traditional trade theory, comparative advantage and competition, thus analyzing whether economic integration could create more employment opportunities for women and increase their wages. This focus on economic integration and women’s employment raises the question of how certain types of economic reform affect particular forms of women’s rights and welfare. It is not...
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...groups has grown out of the study and application of development concept mostly at a community level and has being playing a major role in eradicating poverty particularly in the rural India today. I have searched research paper published in twenty-first century and reviewed them to find out research gap in this field. The literature is reviewed briefly as under: Research papers on self help group’s attempts to explain the process of women’s empowerment and find out its effectiveness in their lives. I feel that women empowerment is a much broader issue that needs to be studied and observed for a longer time frame and thus most of them lacks confidence about future. Panda (2009) made a experimental outline under which...
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