Where women have set up enterprises this has often led to small increases in access to income at the cost of heavier work loads and repayment pressures.
The only way in which such flexibility and diversity can be adequately addressed to ensure benefit to women is through a participatory planning process. The need for such a process is signalled both within the financial systems approach itself (eg the insistence on market relevance and group lending) and empowerment approaches where the need for grassroots participation is assumed.
Indeed, the concept of microfinance is not new in Ghana.
Results reveal the potential for microfinance to increase investment in household microenterprise, thus exacerbating demand for child labor and reducing education outcomes.
Topic: Microfinance Paper Thesis – 534599 | ColdCon
The degree to which this is a result of women's own decision to switch allegiance because of better credit terms, or because of pressure from men to get access to credit while maintaining their own power, is unclear.
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However, evidence suggests that the prioritisation of cost efficiency and financial sustainability may further dilute the potential contribution of microfinance programmes to women's empowerment.
"Microfinance Thesis" Essays and Research Papers
These emphases favour large organisations in order to benefit from economies of scale and group lending where groups take much of the responsibility for savings and loan repayment (Otero and Rhyne 1994).
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We know very little about the relative numbers of women within most programmes who benefit or fail to benefit, who these women are, or the contextual and organisational factors influencing this.
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United Nations, Concept Paper: Building Inclusive Financial Sectors to Achieve the Millennium Development Goals (International Year of Microcredit, United Nations, 2005)
United Nations, Microfinance and Poverty Eradication: Strengthening Africa's Microfinance Institutions (New York, United Nations, 2000)
World Bank-Africa Region, Studies in Rural and Micro Finance: Financial Services for Women Entrepreneurs in the Informal Sector of Ghana. World Bank, New York, (1999)
FStudy conducted by Ernst & Young and ISSER for the Bank of Ghana
World Bank, Rural and Micro Finance Regulation in Ghana: Implications for Development of the Industry, World Bank, New York (2004)
Susu Collectors in Ghana are recognizable for their distinctive, many pocketed coats. Traditionally, they service a set area or group of families with whom they have developed a long relationship.
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She is an honest and hard working woman. In 1991 she opened a savings account with the Uganda Women Finance and Credit Trust and she has been a regular saver.