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Microcredit and Women’s Empowerment: Through the Lens of Time Use Data from Rural India

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  • Supriya Garikipati

Abstract

This study examines the impact of microcredit on male and female time use and draws on this analysis to explore the linkages between credit and women’s empowerment. A study of time use can help understand these linkages because credit targeted at women with the intent of influencing their livelihoods must also influence the way they allocate their work time. Its other advantages are that it does not suffer from much time lag and can be objectively measured. We use survey data from rural India. Our findings show that while microcredit has little impact on women’s time use, it helps their husbands shift away from wage-work, which is associated with bad pay and low status, to self-employment. We find that this is because women’s loans are typically used to enhance male ownership of household’s productive assets. Further, we find that only women who use loans in self-managed enterprises are able to allocate more time to self-employment. We conclude that if credit is to increase the value of women’s work time then it is not access to loan but use of loan that matters. Specifically, women’s control over loan created assets is critical.

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Bibliographic Info

Paper provided by ULB -- Universite Libre de Bruxelles in its series Working Papers CEB with number 11-034.

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Length: 28 p.
Date of creation: Sep 2011
Date of revision:
Publication status: Published by:
Handle: RePEc:sol:wpaper:2013/96915

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  1. Garikipati, Supriya, 2008. "The Impact of Lending to Women on Household Vulnerability and Women's Empowerment: Evidence from India," World Development, Elsevier, vol. 36(12), pages 2620-2642, December.
  2. Mueller, Eva, 1984. "The value and allocation of time in rural Botswana," Journal of Development Economics, Elsevier, vol. 15(1-3), pages 329-360.
  3. Supriya Garikipati, 2008. "Agricultural wage work, seasonal migration and the widening gender gap: evidence from a semi-arid region of Andhra Pradesh," European Journal of Development Research, Taylor and Francis Journals, vol. 20(4), pages 629-648.
  4. Fafchamps, Marcel & Quisumbing, Agnes R., 1999. "Social roles, human capital, and the intrahousehold division of labor," FCND discussion papers 73, International Food Policy Research Institute (IFPRI).
  5. von Braun, Joachim & Webb, Patrick J R, 1989. "The Impact of New Crop Technology on the Agricultural Division of Labor in a West African Setting," Economic Development and Cultural Change, University of Chicago Press, vol. 37(3), pages 513-34, April.
  6. Berger, Marguerite, 1989. "Giving women credit: The strengths and limitations of credit as a tool for alleviating poverty," World Development, Elsevier, vol. 17(7), pages 1017-1032, July.
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Cited by:
  1. Panda, P. & Chakraborty, A. & Dror, D.M. & Bedi, A.S., 2013. "Enrollment in community based health insurance schemes in rural Bihar and Uttar Pradesh, India," ISS Working Papers - General Series 555, International Institute of Social Studies of Erasmus University Rotterdam (ISS), The Hague.

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