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Do Spouses Make Claims? Empowerment and Microfinance in India

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  • Rai, Ashok
  • Ravi, Shamika
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    Abstract

    Summary We study a microfinance program that provides compulsory health insurance to its borrowers and their spouses. We find that non-borrowing spouses are less likely to file insurance claims than those who are borrowing. Further, a man is more likely to use the health insurance acquired through his wife's loan than is a woman (through her husband's loan). These patterns suggest that women who do not borrow are disempowered relative to those who do.

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    File URL: http://www.sciencedirect.com/science/article/pii/S0305750X11000556
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    Bibliographic Info

    Article provided by Elsevier in its journal World Development.

    Volume (Year): 39 (2011)
    Issue (Month): 6 (June)
    Pages: 913-921

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    Handle: RePEc:eee:wdevel:v:39:y:2011:i:6:p:913-921

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

    Related research

    Keywords: health insurance microfinance claims gender empowerment India;

    References

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    1. Siwan Anderson & Jean-Marie Baland, 2002. "The Economics Of Roscas And Intrahousehold Resource Allocation," The Quarterly Journal of Economics, MIT Press, vol. 117(3), pages 963-995, August.
    2. Shelah Bloom & David Wypij & Monica Gupta, 2001. "Dimensions of women’s autonomy and the influence on maternal health care utilization in a north indian city," Demography, Springer, vol. 38(1), pages 67-78, February.
    3. Fiona Steele & Sajeda Amin & Ruchira Naved, 2001. "Savings/credit group formation and change in contraception," Demography, Springer, vol. 38(2), pages 267-282, May.
    4. Santow, Gigi, 1995. "Social roles and physical health: The case of female disadvantage in poor countries," Social Science & Medicine, Elsevier, vol. 40(2), pages 147-161, January.
    5. Paul Mosley & Linda Mayoux, 1999. "Questioning virtuous spirals: micro-finance and women's empowerment in Africa," Journal of International Development, John Wiley & Sons, Ltd., vol. 11(7), pages 957-984.
    6. Hashemi, Syed M. & Schuler, Sidney Ruth & Riley, Ann P., 1996. "Rural credit programs and women's empowerment in Bangladesh," World Development, Elsevier, vol. 24(4), pages 635-653, April.
    7. David H. Peters & Abdo S. Yazbeck & Rashmi R. Sharma & G. N. V. Ramana & Lant H. Pritchett & Adam Wagstaff, 2002. "Better Health Systems for India's Poor : Findings, Analysis, and Options," World Bank Publications, The World Bank, number 14080, October.
    8. Kent Ranson, M. & Sinha, Tara & Chatterjee, Mirai & Acharya, Akash & Bhavsar, Ami & Morris, Saul S. & Mills, Anne J., 2006. "Making health insurance work for the poor: Learning from the Self-Employed Women's Association's (SEWA) community-based health insurance scheme in India," Social Science & Medicine, Elsevier, vol. 62(3), pages 707-720, February.
    9. Ai, Chunrong & Norton, Edward C., 2003. "Interaction terms in logit and probit models," Economics Letters, Elsevier, vol. 80(1), pages 123-129, July.
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    Cited by:
    1. Verrest, Hebe, 2013. "Rethinking Microentrepreneurship and Business Development Programs: Vulnerability and Ambition in Low-income Urban Caribbean Households," World Development, Elsevier, vol. 47(C), pages 58-70.

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