Microcredit and Women’s Empowerment: Through the Lens of Time Use Data from Rural India
AbstractThis 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.
Download InfoIf you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
Bibliographic InfoPaper provided by ULB -- Universite Libre de Bruxelles in its series Working Papers CEB with number 11-034.
Length: 28 p.
Date of creation: Sep 2011
Date of revision:
Publication status: Published by:
Contact details of provider:
Postal: CP114/03, 42 avenue F.D. Roosevelt, 1050 Bruxelles
Phone: +32 (0)2 650.48.64
Fax: +32 (0)2 650.41.88
Web page: http://difusion.ulb.ac.be
More information through EDIRC
This paper has been announced in the following NEP Reports:
- NEP-ALL-2011-09-16 (All new papers)
- NEP-DEM-2011-09-16 (Demographic Economics)
- NEP-DEV-2011-09-16 (Development)
- NEP-HME-2011-09-16 (Heterodox Microeconomics)
- NEP-LAB-2011-09-16 (Labour Economics)
- NEP-MFD-2011-09-16 (Microfinance)
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.:
- 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.
- Mueller, Eva, 1984. "The value and allocation of time in rural Botswana," Journal of Development Economics, Elsevier, vol. 15(1-3), pages 329-360.
- 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.
- 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.
- 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).
- 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.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Benoit Pauwels).
If references are entirely missing, you can add them using this form.