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DOES MICROFINANCE EMPOWER WOMEN? Evidence from Self Help Groups in India

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Author Info
Bali Swain, Ranjula () (Department of Economics)
Wallentin, Fan Yang () (Department of Information Science, Statistics)
Abstract

Microfinance programs like the Self Help Bank Linkage Program in India have been increasingly promoted for their positive economic impact and the belief that they empower women. However, only a few studies rigorously examine the link between microfinance and women’s empowerment. This paper contributes by arguing that women empowerment takes place when women challenge the existing social norms and culture, to effectively improve their well being. It empirically validates this hypothesis by using quasi-experimental household sample data collected for five states in India for 2000 and 2003. A general structural model is estimated by employing appropriate techniques to treat the ordinal variables in order to estimate the impact of the Self Help Group (SHG) on women empowerment for 2000 and 2003. The results strongly demonstrate that on average, there is a significant increase in the women empowerment of the SHG members group. No such significant change is observed however, for the members of the control group. The elegance of the result lies in the fact that the group of SHG participants show clear evidence of a significant and higher empowerment, while allowing for the possibility that some members might have been more empowered than others.

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Paper provided by Uppsala University, Department of Economics in its series Working Paper Series with number 2007:24.

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Length: 26 pages
Date of creation: 24 Aug 2007
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Handle: RePEc:hhs:uunewp:2007_024

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Related research
Keywords: Microfinance; Women empowerment; Ordinal variables; General structural model and Robust maximum likelihood estimation.;

Find related papers by JEL classification:
C33 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Models with Panel Data
G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Mortgages
J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination

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References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
  1. Beatriz Armendariz & Jonathan Morduch, 2007. "The Economics of Microfinance," MIT Press Books, The MIT Press, edition 1, volume 1, number 0262512017, December.
  2. M. Browning & P. A. Chiappori, 1998. "Efficient Intra-Household Allocations: A General Characterization and Empirical Tests," Econometrica, Econometric Society, vol. 66(6), pages 1241-1278, November.
    Other versions:
  3. Nava Ashraf & Dean Karlan & Wesley Yin, 2006. "Female Empowerment: Impact of a Commitment Savings Product in the Philippines," Working Papers 949, Economic Growth Center, Yale University. [Downloadable!]
    Other versions:
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