IDEAS home Printed from https://ideas.repec.org/a/mth/jebi88/v1y2014i1p123-141.html
   My bibliography  Save this article

Impact of Interaction Term between Education and Loan Size on Women’s Decision Making

Author

Listed:
  • Kausar Yasmeen

    (Universiti Utara Malaysia)

  • Mohd Zaini Abd Karim

    (Universiti Utara Malaysia)

Abstract

The purpose of this paper is to evaluate the impact of the microfinance involvement of women’s household decision making.The cross sectional data for this study is collected by using questionnaires. Using random sampling, 744 households are selected from female clients of Khushhali Bank and National Rural Support Program in Bahawalpur Division, Pakistan. We used the multinomial Logit and multinomial Probit model. The results show the woman's borrowers are more empower than women no borrowers. The coefficient of the loan size increases woman's household making empowerment. This paper is intended to be a valuable contribution in term of socio- economic and political arena.

Suggested Citation

  • Kausar Yasmeen & Mohd Zaini Abd Karim, 2014. "Impact of Interaction Term between Education and Loan Size on Women’s Decision Making," Journal of Entrepreneurship and Business Innovation, Macrothink Institute, Journal of Entrepreneurship and Business Innovation, vol. 1(1), pages 123-141, June.
  • Handle: RePEc:mth:jebi88:v:1:y:2014:i:1:p:123-141
    as

    Download full text from publisher

    File URL: http://www.macrothink.org/journal/index.php/jebi/article/view/6658/_2
    Download Restriction: no

    File URL: http://www.macrothink.org/journal/index.php/jebi/article/view/6658/_2
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Mumtaz, Zubia & Salway, Sarah, 2005. "'I never go anywhere': extricating the links between women's mobility and uptake of reproductive health services in Pakistan," Social Science & Medicine, Elsevier, vol. 60(8), pages 1751-1765, April.
    2. Marco Caliendo & Sabine Kopeinig, 2008. "Some Practical Guidance For The Implementation Of Propensity Score Matching," Journal of Economic Surveys, Wiley Blackwell, vol. 22(1), pages 31-72, February.
    3. Katchova, Ani L., 2010. "Agricultural Contracts and Alternative Marketing Options: A Matching Analysis," Journal of Agricultural and Applied Economics, Southern Agricultural Economics Association, vol. 42(2), pages 1-16, May.
    4. Morduch, Jonathan, 1999. "The role of subsidies in microfinance: evidence from the Grameen Bank," Journal of Development Economics, Elsevier, vol. 60(1), pages 229-248, October.
    5. Jacques Charmes & Saskia Wieringa, 2003. "Measuring Women's Empowerment: An assessment of the Gender-related Development Index and the Gender Empowerment Measure," Journal of Human Development and Capabilities, Taylor & Francis Journals, vol. 4(3), pages 419-435.
    6. Jalan, Jyotsna & Ravallion, Martin, 2003. "Estimating the Benefit Incidence of an Antipoverty Program by Propensity-Score Matching," Journal of Business & Economic Statistics, American Statistical Association, vol. 21(1), pages 19-30, January.
    7. Robert Cull & Asli Demirguç-Kunt & Jonathan Morduch, 2007. "Financial performance and outreach: a global analysis of leading microbanks," Economic Journal, Royal Economic Society, vol. 117(517), pages 107-133, February.
    8. Morvant-Roux, Solène & Guérin, Isabelle & Roesch, Marc & Moisseron, Jean-Yves, 2014. "Adding Value to Randomization with Qualitative Analysis: The Case of Microcredit in Rural Morocco," World Development, Elsevier, vol. 56(C), pages 302-312.
    9. Becerril, Javier & Abdulai, Awudu, 2010. "The Impact of Improved Maize Varieties on Poverty in Mexico: A Propensity Score-Matching Approach," World Development, Elsevier, vol. 38(7), pages 1024-1035, July.
    10. Zeba Ayesha Sathar & Shahnaz Kazi, 2000. "Women’s Autonomy in the Context of Rural Pakistan," The Pakistan Development Review, Pakistan Institute of Development Economics, vol. 39(2), pages 89-110.
    11. Kabeer, Naila, 2001. "Conflicts Over Credit: Re-Evaluating the Empowerment Potential of Loans to Women in Rural Bangladesh," World Development, Elsevier, vol. 29(1), pages 63-84, January.
    12. Hermes, Niels & Lensink, Robert, 2011. "Microfinance: Its Impact, Outreach, and Sustainability," World Development, Elsevier, vol. 39(6), pages 875-881, June.
    13. Iacus, Stefano M. & King, Gary & Porro, Giuseppe, 2012. "Causal Inference without Balance Checking: Coarsened Exact Matching," Political Analysis, Cambridge University Press, vol. 20(1), pages 1-24, January.
    14. Maren Duvendack & Richard Palmer-Jones, 2012. "High Noon for Microfinance Impact Evaluations: Re-investigating the Evidence from Bangladesh," Journal of Development Studies, Taylor & Francis Journals, vol. 48(12), pages 1864-1880, December.
    15. Sarah Mosedale, 2005. "Assessing women's empowerment: towards a conceptual framework," Journal of International Development, John Wiley & Sons, Ltd., vol. 17(2), pages 243-257.
    16. Shireen J. Jejeebhoy & Zeba A. Sathar, 2001. "Women's Autonomy in India and Pakistan: The Influence of Religion and Region," Population and Development Review, The Population Council, Inc., vol. 27(4), pages 687-712, December.
    17. Shahidur R. Khandker, 2005. "Microfinance and Poverty: Evidence Using Panel Data from Bangladesh," The World Bank Economic Review, World Bank, vol. 19(2), pages 263-286.
    18. Ranjula Bali Swain & Fan Yang Wallentin, 2009. "Does microfinance empower women? Evidence from self-help groups in India," International Review of Applied Economics, Taylor & Francis Journals, vol. 23(5), pages 541-556.
    19. Gaamaa Hishigsuren, 2007. "Evaluating Mission Drift in Microfinance," Evaluation Review, , vol. 31(3), pages 203-260, June.
    20. Godquin, Marie, 2004. "Microfinance Repayment Performance in Bangladesh: How to Improve the Allocation of Loans by MFIs," World Development, Elsevier, vol. 32(11), pages 1909-1926, November.
    21. Rajeev H. Dehejia & Sadek Wahba, 2002. "Propensity Score-Matching Methods For Nonexperimental Causal Studies," The Review of Economics and Statistics, MIT Press, vol. 84(1), pages 151-161, February.
    22. Montgomery, Heather & Weiss, John, 2011. "Can Commercially-oriented Microfinance Help Meet the Millennium Development Goals? Evidence from Pakistan," World Development, Elsevier, vol. 39(1), pages 87-109, January.
    23. Goetz, Anne Marie & Gupta, Rina Sen, 1996. "Who takes the credit? Gender, power, and control over loan use in rural credit programs in Bangladesh," World Development, Elsevier, vol. 24(1), pages 45-63, January.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Ali Hamid Irhoumah Nisser & Abdullah Mohammad Ahmed Ayedh, 2017. "Micro nance and Women's Empowerment in Egypt," International Journal of Business and Economic Affairs (IJBEA), Sana N. Maswadeh, vol. 2(1), pages 52-58.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Weber, Olaf & Ahmad, Adnan, 2014. "Empowerment Through Microfinance: The Relation Between Loan Cycle and Level of Empowerment," World Development, Elsevier, vol. 62(C), pages 75-87.
    2. Gutiérrez-Nieto, Begoña & Serrano-Cinca, Carlos, 2019. "20 years of research in microfinance: An information management approach," International Journal of Information Management, Elsevier, vol. 47(C), pages 183-197.
    3. Simon Zaby, 2019. "Science Mapping of the Global Knowledge Base on Microfinance: Influential Authors and Documents, 1989–2019," Sustainability, MDPI, vol. 11(14), pages 1-21, July.
    4. João Paulo Coelho Ribeiro & Fábio Duarte & Ana Paula Matias Gama, 2022. "Does microfinance foster the development of its clients? A bibliometric analysis and systematic literature review," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 8(1), pages 1-35, December.
    5. Donatien Eze Eze, 2019. "Microfinance programs and domestic violence in northern Cameroon; the case of the Familial Rural Income Improvement Program," Review of Economics of the Household, Springer, vol. 17(3), pages 947-967, September.
    6. Duvendack, Maren & Palmer-Jones, Richard, 2011. "The microfinance of reproduction and the reproduction of microfinance: understanding the connections between microfinance, empowerment, contraception and fertility in Bangladesh in the 1990s," MPRA Paper 32384, University Library of Munich, Germany.
    7. Dilruba Khanam & Muhammad Mohiuddin & Asadul Hoque & Olaf Weber, 2018. "Financing micro-entrepreneurs for poverty alleviation: a performance analysis of microfinance services offered by BRAC, ASA, and Proshika from Bangladesh," Journal of Global Entrepreneurship Research, Springer;UNESCO Chair in Entrepreneurship, vol. 8(1), pages 1-17, December.
    8. Ashish Bajracharya & Sajeda Amin, 2013. "Microcredit and Domestic Violence in Bangladesh: An Exploration of Selection Bias Influences," Demography, Springer;Population Association of America (PAA), vol. 50(5), pages 1819-1843, October.
    9. Chliova, Myrto & Brinckmann, Jan & Rosenbusch, Nina, 2015. "Is microcredit a blessing for the poor? A meta-analysis examining development outcomes and contextual considerations," Journal of Business Venturing, Elsevier, vol. 30(3), pages 467-487.
    10. Cristina Elisa Orso & Enrico Fabrizi, 2013. "Microcredit and women's empowerment in Bangladesh: a structural equation model for categorical observed variables," DISCE - Quaderni del Dipartimento di Scienze Economiche e Sociali dises1396, Università Cattolica del Sacro Cuore, Dipartimenti e Istituti di Scienze Economiche (DISCE).
    11. Yan-ying Chen & Long Wu & Qing-guo Zhai, 2019. "Does ISO 9000 Certification Benefit Service Firms?," Sustainability, MDPI, vol. 11(21), pages 1-18, October.
    12. Dahoun, Dieudonné Bleossi & Manlan, Olivier & Vodonou, Cosme & Mongan, Saint-Martin & Mededji, Damien & Alofa, Janvier P., 2013. "Microcrédit, pauvreté et autonomisation des femmes au Bénin," PEP Working Papers 160426, Partnership for Economic Policy (PEP).
    13. Boehe, Dirk Michael & Barin Cruz, Luciano, 2013. "Gender and Microfinance Performance: Why Does the Institutional Context Matter?," World Development, Elsevier, vol. 47(C), pages 121-135.
    14. Dieudonné Bleossi Dahoun & Olivier Manlan & Cosme Vodonou & Saint-Martin Mongan & Damien Mededji & Janvier P. Alofa, 2013. "Microcrédit, pauvreté et autonomisation des femmes au Bénin," Working Papers PMMA 2013-13, PEP-PMMA.
    15. Maria Porter, 2016. "Effects of microcredit and other loans on female empowerment in Bangladesh: the borrower's gender influences intra-household resource allocation," Agricultural Economics, International Association of Agricultural Economists, vol. 47(2), pages 235-245, March.
    16. Dilruba Khanam & Syeda Sonia Parvin & Muhammad Mohiuddin & Asadul Hoque & Zhan Su, 2018. "Financial Sustainability of Non-Governmental Microfinance Institutions (MFIs): A Cost-Efficiency Analysis of BRAC, ASA, and PROSHIKA from Bangladesh," Review of Economics & Finance, Better Advances Press, Canada, vol. 12, pages 43-56, May.
    17. D'Espallier, Bert & Guérin, Isabelle & Mersland, Roy, 2011. "Women and Repayment in Microfinance: A Global Analysis," World Development, Elsevier, vol. 39(5), pages 758-772, May.
    18. Helen M. Haugh & Alka Talwar, 2016. "Linking Social Entrepreneurship and Social Change: The Mediating Role of Empowerment," Journal of Business Ethics, Springer, vol. 133(4), pages 643-658, February.
    19. Amarendra Sharma, 2019. "Indira Awas Yojana and Housing Adequacy: An Evaluation using Propensity Score Matching," ASARC Working Papers 2019-05, The Australian National University, Australia South Asia Research Centre.
    20. Asad K. Ghalib & Issam Malki & Katsushi S. Imai, 2012. "Microfinance and its role in household poverty reduction: findings from Pakistan," Global Development Institute Working Paper Series 17312, GDI, The University of Manchester.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:mth:jebi88:v:1:y:2014:i:1:p:123-141. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Technical Support Office (email available below). General contact details of provider: http://www.macrothink.org/journal/index.php/jebi .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.