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Women's Access to Credit: Does It Matter for Household Efficiency?

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  • Diana Fletschner

Abstract

Studies that assess the impact of credit constraints on farm households' efficiency have largely used the household as the unit of analysis. This can be problematic when there are gender-based market imperfections and asymmetries in how rights, resources, and responsibilities are distributed within the household. Constraints on women matter: in addition to the efficiency loss associated with the husbands' credit constraints, when women are unable to meet their needs for capital, their households experienced an additional 11% drop in efficiency. This suggests that there are efficiency-based arguments for enhancing women's access to capital and that studies based only on the household's head may significantly underestimate the true economic impact of credit constraints. Copyright 2008, Oxford University Press.

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  • Diana Fletschner, 2008. "Women's Access to Credit: Does It Matter for Household Efficiency?," American Journal of Agricultural Economics, Agricultural and Applied Economics Association, vol. 90(3), pages 669-683.
  • Handle: RePEc:oup:ajagec:v:90:y:2008:i:3:p:669-683
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    File URL: http://hdl.handle.net/10.1111/j.1467-8276.2008.01143.x
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    Cited by:

    1. Florence Santos & Diana Fletschner & Vivien Savath & Amber Peterman, 2014. "Can Government-Allocated Land Contribute to Food Security? Intrahousehold Analysis of West Bengal’s Microplot Allocation Program," Working Papers id:5708, eSocialSciences.
    2. Meinzen-Dick, Ruth & Quisumbing, Agnes & Behrman, Julia & Biermayr-Jenzano, Patricia & Wilde, Vicki & Noordeloos, Marco & Ragasa, Catherine & Beintema, Nienke, 2010. "Engendering agricultural research," IFPRI discussion papers 973, International Food Policy Research Institute (IFPRI).
    3. Santos, Florence & Fletschner, Diana & Savath, Vivien & Peterman, Amber, 2013. "Can government-allocated land contribute to food security? Intrahousehold analysis of West Bengal’s microplot allocation program:," IFPRI discussion papers 1310, International Food Policy Research Institute (IFPRI).
    4. Koirala, Krishna H. & Mishra, Ashok K. & Mohanty, Samarendu, 2014. "The Role of Gender in Agricultural Productivity in the Philippines: The Average Treatment Effect," 2015 Annual Meeting, January 31-February 3, 2015, Atlanta, Georgia 195705, Southern Agricultural Economics Association.
    5. Akoété Ega Agbodji & Yélé Maweki Batana & Dénis Ouedraogo, 2015. "Gender inequality in multidimensional welfare deprivation in West Africa: The case of Burkina Faso and Togo," International Journal of Social Economics, Emerald Group Publishing, vol. 42(11), pages 980-1004, November.
    6. Swamy, Vighneswara, 2014. "Financial Inclusion, Gender Dimension, and Economic Impact on Poor Households," World Development, Elsevier, pages 1-15.
    7. Díaz Serrano, Lluís & Sackey, Frank G., 2016. "Empowering the vulnerable to be entrepreneurs: An empirical test on the efectiveness of the Ghana microfinance policy 2006," Working Papers 2072/267084, Universitat Rovira i Virgili, Department of Economics.
    8. Mukasa Adamon N. & Anthony M. Simpasa & Adeleke Oluwole Salami, 2017. "Working Paper 247 - Credit constraints and farm productivity: Micro-level evidence from smallholder farmers in Ethiopia," Working Paper Series 2356, African Development Bank.
    9. Diaz-Serrano, Luis & Sackey, Frank Gyimah, 2016. "Empowering the Vulnerable to Be Entrepreneurs: An Empirical Test on the Effectiveness of the Ghana Microfinance Policy 2006," IZA Discussion Papers 10323, Institute for the Study of Labor (IZA).
    10. Andre Croppenstedt & Markus Goldstein & Nina Rosas, 2013. "Gender and Agriculture: Inefficiencies, Segregation, and Low Productivity Traps," World Bank Research Observer, World Bank Group, pages 79-109.
    11. Fletschner, Diana, 2009. "Rural Women's Access to Credit: Market Imperfections and Intrahousehold Dynamics," World Development, Elsevier, pages 618-631.
    12. Koirala, Krishna H. & Mishra, Ashok K. & Sitienei, Isaac, 2015. "Farm Productivity and Technical Efficiency of Rural Malawian Households: Does Gender Make a Difference?," 2015 Annual Meeting, January 31-February 3, 2015, Atlanta, Georgia 196903, Southern Agricultural Economics Association.
    13. Ghosh, Saibal & Vinod, D., 2017. "What Constrains Financial Inclusion for Women? Evidence from Indian Micro data," World Development, Elsevier, pages 60-81.
    14. Diana Fletschner & Catherine Guirkinger & Steve Boucher, 2010. "Risk, Credit Constraints and Financial Efficiency in Peruvian Agriculture," Journal of Development Studies, Taylor & Francis Journals, pages 981-1002.
    15. Santos, Florence & Fletschner, Diana & Savath, Vivien & Peterman, Amber, 2014. "Can Government-Allocated Land Contribute to Food Security? Intrahousehold Analysis of West Bengal’s Microplot Allocation Program," World Development, Elsevier, pages 860-872.
    16. Chaudhuri, Sanjukta, 2010. "Women's Empowerment in South Asia and Southeast Asia: A Comparative Analysis," MPRA Paper 19686, University Library of Munich, Germany.
    17. Terrence Kairiza & Philemon Kiprono & Vengesai Magadzire, 2017. "Gender differences in financial inclusion amongst entrepreneurs in Zimbabwe," Small Business Economics, Springer, pages 259-272.
    18. Fletschner, Diana & Mesbah, Dina, 2011. "Gender Disparity in Access to Information: Do Spouses Share What They Know?," World Development, Elsevier, pages 1422-1433.
    19. Swaminathan, Hema & Salcedo Du Bois, Rodrigo & Findeis, Jill L., 2010. "Impact of Access to Credit on Labor Allocation Patterns in Malawi," World Development, Elsevier, pages 555-566.
    20. Peterman, Amber & Behrman, Julia & Quisumbing, Agnes, 2010. "A review of empirical evidence on gender differences in nonland agricultural inputs, technology, and services in developing countries," IFPRI discussion papers 975, International Food Policy Research Institute (IFPRI).
    21. Bailey, Rachel & Hartarska, Valentina, 2017. "Women's Property Rights and Outreach of Microfinance Institutions Targeting Women," 2017 Annual Meeting, February 4-7, 2017, Mobile, Alabama 253159, Southern Agricultural Economics Association.

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