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Microfinance and gender empowerment

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  • Ngo, Thi Minh-Phuong
  • Wahhaj, Zaki

Abstract

In this paper, we develop a theoretical model of household production, bargaining and credit to analyse how access to microcredit affects intra-household decision-making and welfare, and identify conditions under which female household members are most likely to benefit. We show that, consistent with ethnographic accounts of the impact of microcredit programmes on poor households, access to loans can lead to a variety of outcomes for intra-household decision-making and welfare depending on initial conditions and that, in some instances, women borrowers may experience a decline in welfare. We identify two instances in which a woman is most likely to benefit: when there is scope for investing the loan profitably in a joint activity, and when a large share of the household budget is devoted to household public goods.

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Bibliographic Info

Article provided by Elsevier in its journal Journal of Development Economics.

Volume (Year): 99 (2012)
Issue (Month): 1 ()
Pages: 1-12

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Handle: RePEc:eee:deveco:v:99:y:2012:i:1:p:1-12

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Web page: http://www.elsevier.com/locate/devec

Related research

Keywords: Microfinance; Gender; Intra-household bargaining;

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References

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Citations

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Cited by:
  1. Agenor, Pierre-Richard & Canuto, Otaviano, 2013. "Gender equality and economic growth in Brazil : a long-run analysis," Policy Research Working Paper Series 6348, The World Bank.
  2. Ngo, Thi Minh-Phuong & Wahhaj, Zaki, 2008. "Microfinance and Gender Empowerment," MPRA Paper 11293, University Library of Munich, Germany.
  3. Agbodji, Akoete Ega & Batana, Yele Maweki & Ouedraogo, Denis, 2013. "Gender inequality in multidimensional welfare deprivation in west Africa : the case of Burkina Faso and Togo," Policy Research Working Paper Series 6522, The World Bank.

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