“…Girls are far less educated than boys (King and Hill, 1993;Lewis and Lockheed, 2008), receive less nutrition (Barrera, 1990;Chen et al, 1981;Das Gupta, 1987), and less healthcare (Chen et al, 1981;Basu, 1989;Ganatra and Hirve, 1994), leading to higher mortality rates (Sen, 1990). On the other hand, poor household's cash constraints are extremely high and the poor have no other choice than juggle with various nancial instruments (Banerjee and Du o, 2007;Collins et al, 2009).…”