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Microcredit, Women, and Empowerment: Evidence From India
Microfinance programs, by providing financial services to economically disadvantaged individuals, generally women, are intended to help poor self-employ and become financially independent. Earlier research in India has documented both positive and negative consequences of microfinance programs on women, from financial independence to domestic abuse. However, most of the research has been geographically limited to the southern states of the country, with a matured microfinance industry, and has given little attention to how variations in cultural practices across different regions of the country may influence the impact of microfinance programs on its members. To fill the gap in the existing literature, three related studies of Indian women were conducted. The first study was a qualitative study of 35 women engaged in microfinance programs in the northern region of India. The study found that women engaged in microfinance programs reported having increased social networks, higher confidence and increased social awareness. The second and third studies used nationally representative data from the National Family Health Survey (NFHS-3) 2005-2006. Controlling for a variety of other individual-level and community-level characteristics, the second study examined if getting a microloan affected women’s access to public spaces, and the third examined if getting such a loan influenced married women’s participation in household decision-making. Both studies further investigated if the microloan effect on these dimensions of women’s empowerment varied by the normative context of woman’s respective communities. The results indicated that, all else equal, women who had ever taken a microloan were more likely to go alone to places outside their home such as market, health clinics and places outside the community compared to women who had never taken such a loan. Getting a microloan also had a positive effect on women’s participation in decisions about large household purchases and husband’s earnings. The hypothesized moderating effect of the normative …
Living arrangements of elderly widows in India: Family convention, bad luck and abandonment
In India, issues of gender discrimination and female empowerment have become more prominent in the last several years. Elderly women, specifically widows, are often abandoned or not well cared for by family members and are typically marginalized within Indian society, vulnerable, and susceptible to poverty. This is an exploratory analysis with a research hypothesis asking, who are the caregivers of elderly widows? Statistics indicate that women may be taking on more of a care giving role with elderly widows which in turn may exacerbate the already existing issues of poverty and neglect for this population. The purpose of this study was to examine in more depth the factors related to living arrangements of elderly Indian widows using the NFHS-3 (2005-2006) data set. Quantitative methods of secondary data analysis and systematic literature review are employed in this research. sociological factors related to family self-reported living arrangement, age of widow, education, caste, socioeconomic level, religion, and geographic region were analyzed using data from the respondents identified as older widows (N=2,176). Findings indicate 78% report living alone or in non-familial households while 22% reported living in various familial constellations. The odds of living with a relative versus not living with a relative were found to be significant for three variables: age, religion Muslim, and region Northern. Living arrangements for elderly widows in Indian society are determined based on a complex system of logic embedded in a patrilineal descent, family convention, religion, and regional cultural practices. Understanding these complex factors is important in predicting the needs and available services for this population of vulnerable elderly women.
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