Global financial crisis and women's micro-lending innovations in Pakistan and Malawi

Rashid, Tahmina; Makuwira, Jonathan

doi:10.1080/09614524.2014.867927

Cited by 5 publications

(5 citation statements)

References 8 publications

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“…However, from overall results, it can be suggested that after getting microcredit from CIF, a woman and her family's poverty reduces, and her wellbeing increases. The finding of the study confirms with the study of Imai and Azam (2012); Shirazi (2012); Rashid and Makuwira (2014); Agbola et al (2017) that the microcredit intervention has a positive impact on the reduction of the poverty. Therefore, it can be inferred that respondents in the treatment group who have graduated to the next band have done so due to the CIF microcredit program intervention.…”

Section: Totalsupporting

confidence: 85%

“…Microcredit has a positive impact on income and consumption (Imai and Azam 2012), along with income microcredit increases the savings and living standards of the beneficiaries (Agbola et al 2017). Microcredit programs have a significant impact on per capita income and per capita consumption expenditure (Cuong 2008), enhanced livelihood in rural areas (Rashid and Makuwira 2014) and increased assets, i.e., fans, bicycles and sewing machines (Shirazi 2012). However, 17.7% of respondents have either not graduated or their status has worsened.…”

Section: Totalmentioning

confidence: 99%

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Socio-Economic Impact of the Interest-Free Community Investment Fund: A Case Study of Rural Sindh, Pakistan

et al. 2022

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This study aims to measure the impact of an intervention, the Community Investment Fund (CIF), on the socio-economic life of rural women. CIF is a community-managed fund aimed at improving the living standards of women by empowering them to undertake income-generating projects to become financially more stable and self-governed in the Khairpur, Shikarpur, Kandhkot-Kashmore and Jacobabad districts of Sindh, Pakistan. This study used a quasi-experimental design approach that involved two groups, i.e., the treatment group (beneficiaries) and control group (non-beneficiaries). The sample size of this study was 708 respondents including the treatment and control group. The results of comparison of mean indicate that there is a significant difference between treatment and control group in terms of socio-demographic variables (including monthly income and consumption, saving amount, total asset value, an asset purchased value and household diet) and women empowerment’s indicators, thereby suggesting that CIF has resulted in women empowerment. Concerning the results of the poverty scorecard, the higher graduation of beneficiaries (treatment group) asserts that the intervention of CIF has also a positive impact on targeted beneficiaries. In particular, the findings indicate that 72% of beneficiaries (treatment group) have graduated from one poverty band to another higher band compared to 59.4% of non-beneficiaries (control group) in poverty score. In addition, the findings of the logistic regression analysis confirmed that participation in the CIF program empowers women beneficiaries. This study will support policymakers to further improve CIF so that it can become more effective and sustainable.

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Section: Totalsupporting

confidence: 85%

Section: Totalmentioning

confidence: 99%

Socio-Economic Impact of the Interest-Free Community Investment Fund: A Case Study of Rural Sindh, Pakistan

et al. 2022

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“…it is proved in this study that microcredit has also played a vital role in the reduction of poverty that 34% collectively female were progressed collectively in the next band by improving the scores on poverty scorecard. Because microloan has a positive impact on income and consumption (Imai, K. S., & Azam, M. S.,2012) along with income microloan increases the savings and living standards of the beneficiaries (Agbola, Acupan et al, 2017), enhanced livelihood in rural areas (Rashid and Makuwira, 2014) and increased assets i.e. fan, bicycles and sewing machine, washing machine (Shirazi, 2012).…”

Section: Discussionmentioning

confidence: 99%

Poverty Reduction Strategies: Evidence From U-Microfinance Bank

Rani

Laghari

Channa

2021

HSSR

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Purpose: This Study intends the assessment of microloan by U Microfinance Bank from females of upper Sindh. The core objective was to assess the impact of U-Microfinance on the poverty level of female for improving their living standards by providing them micro-loans to be used for their small-scale business which could enable them to be empowered politically, socially, economically, and assessing its impacts on the health and education of their families. Methodology: This study was conducted on the assessment of microloan interventions of U Microfinance Bank in the rural areas of upper Sindh. A quantitative approach was used to measure the impact of microloan on the poverty status of the female along with a qualitative study to further confirm the findings. In this study, a quasi-experimental design was used in which two groups of data from the same respondents assuming the data ‘Before-loan and After-Loan Situation’ from the female borrowers of Khairpur, Sukkur, Shikarpur, Larkana, and Dadu Districts of Upper Sindh. Poverty Score Card was used as a survey instrument originally developed by the World Bank for each region separately. The collected data were analyzed by applying the descriptive statistics and logistic regression technique by using SPSS latest version. Results: Results of the logistic regression analysis demonstrate that the microloan program does empower females of targeted cities, but the empowerment process does not necessarily occur simultaneously across all dimensions. Whereas microfinance does effect individually on each dimension of empowerment. For microfinance ventures, the results suggest that occupation types have a positive impact on women's empowerment. Applications of this study: This study can be very effective in improving the strategies for poverty reduction among the female borrowers of the upper Sindh. The Novelty of the study: The novelty of this study investigating the effect of poverty reduction strategies on female empowerment.

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“…Hence, women in SHGs are empowered overtime compared to those women who do not participate in SHGs (Swain & Wallentin, 2009). The case studies from SHGs in Pakistan and Malawi indicate that reliance of women in SHG on social capital and accessing microfinance helps them to achieve collective business plans, generate own income, expand asset base, increase savings and utilize pooled resources for consumption expenditure or emergency needs such as healthcare; thus, women in SHGs contribute to whole family welfare (Rashid & Jonathan, 2014). Women participating in microfinance, no doubt, take part in expenditure decisions and gain asset ownership, which ultimately leads to reduction in domestic conflicts.…”

Section: Self-help Group Model Of Microfinance and Womenmentioning

confidence: 99%

“…Neelofar wants to further expand her business venture and increase customer base by making every potential customer aware of her boutique. A case study approach by Rashid and Jonathan (2014) of SHG members revealed that women achieve collective business plans, generate income, increase their asset base and savings and also contribute to the entire family welfare. Neelofar further narrates I feel wonderful being in the venture, I wish all the girls like me to join the Program and become independent member of the family.…”

Section: Qualitative Evidence: Report From Case Studiesmentioning

confidence: 99%

Impact of Microfinance on Economic, Social, Political and Psychological Empowerment: Evidence from Women’s Self-help Groups in Kashmir Valley, India

Khan

Bhat

Sangmi

2020

FIIB Business Review

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The present study attempts to examine the impact of microfinance on certain dimensions of women empowerment, namely economic, social, political and psychological. Quasi-experimental design comprising of control group (180) and treatment group (190) has been employed to assess the impact of microfinance on women empowerment. The findings revealed positively significant but moderate level of impact of microfinance on economic, political and psychological dimensions of women empowerment and only smaller overall impact on social empowerment. In addition, case studies further supported microfinance programme has substantially empowered women in terms of economic, political, social and psychological dimensions. More importantly, ambiguity over social empowerment was cleared.

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Global financial crisis and women's micro-lending innovations in Pakistan and Malawi

Cited by 5 publications

References 8 publications

Socio-Economic Impact of the Interest-Free Community Investment Fund: A Case Study of Rural Sindh, Pakistan

Socio-Economic Impact of the Interest-Free Community Investment Fund: A Case Study of Rural Sindh, Pakistan

Poverty Reduction Strategies: Evidence From U-Microfinance Bank

Impact of Microfinance on Economic, Social, Political and Psychological Empowerment: Evidence from Women’s Self-help Groups in Kashmir Valley, India

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