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Women, microfinance, and savings: Lessons and proposals

Author

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  • Rebecca M Vonderlack
  • Mark Schreiner

Abstract

Microfinance--both credit and savings--has potential to improve the well-being of poor women in developing countries. This paper explores practical ways to achieve that potential. Based on lessons from informal savings mechanisms that women already use, the paper proposes two savings services designed to address the development issues that confront women. The proposals call for safe-deposit boxes and for matched-savings accounts for healthcare or education.

Suggested Citation

  • Rebecca M Vonderlack & Mark Schreiner, 2002. "Women, microfinance, and savings: Lessons and proposals," Development in Practice, Taylor & Francis Journals, vol. 12(5), pages 602-612, November.
    • Handle: RePEc:taf:cdipxx:v:12:y:2002:i:5:p:602-612
    DOI: 10.1080/0961452022000017614
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    Citations

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    Cited by:

    1. Matteo Marinangeli & Andrea Filippo Presbitero, 2011. "Can the Poor Save More? Evidence from Bangladesh," Mo.Fi.R. Working Papers 57, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
    2. Pablo Cotler, 2025. "Does financial inclusion reduce informal savings? Evidence from Mexico," Working Paper Series Sobre México 2025002, Sobre México. Temas en economía.
    3. Nava Ashraf & Nathalie Gons & Dean S. Karlan & Wesley Yin, 2003. "A Review of Commitment Savings Products in Development Countries," ADB Economics Working Paper Series 45, Asian Development Bank.
    4. Estrin, Saul & Mickiewicz, Tomasz, 2009. "Do Institutions Have a Greater Effect on Female Entrepreneurs?," IZA Discussion Papers 4577, Institute of Labor Economics (IZA).
    5. Juanah, Momoh, 2005. "The Role of Micro-financing in Rural Poverty Reduction in Developing Countries," Wismar Discussion Papers 18/2005, Hochschule Wismar, Wismar Business School.
    6. Nuhu, H. S. & Bzugu, P. M. & Kwajaffa, A. P., 2015. "Determinants of Savings among Rural Women in Borno State, Nigeria," Asian Journal of Agricultural Extension, Economics & Sociology, Asian Journal of Agricultural Extension, Economics & Sociology, vol. 5(4).
    7. R. Casselman & Linda Sama & Abraham Stefanidis, 2015. "Differential Social Performance of Religiously-Affiliated Microfinance Institutions (MFIs) in Base of Pyramid (BoP) Markets," Journal of Business Ethics, Springer, vol. 132(3), pages 539-552, December.
    8. Tim Fry & Sandra Mihajilo & Roslyn Russell & Robert Brooks, 2008. "The Factors Influencing Saving in a Matched Savings Program: Goals, Knowledge of Payment Instruments, and Other Behavior," Journal of Family and Economic Issues, Springer, vol. 29(2), pages 234-250, June.
    9. Martinson Ankrah Twumasi & Hongyun Zheng & Love Offeibea Asiedu-Ayeh & Anthony Siaw & Yuansheng Jiang, 2023. "Access to Financial Services and Its Impact on Household Income: Evidence from Rural Ghana," The European Journal of Development Research, Palgrave Macmillan;European Association of Development Research and Training Institutes (EADI), vol. 35(4), pages 869-890, August.
    10. Ghafran, Chaudhry & Yasmin, Sofia, 2024. "Beyond conventional financialization: Intersectional insights and Indigenous responses to financial inequality in the UK," CRITICAL PERSPECTIVES ON ACCOUNTING, Elsevier, vol. 100(C).
    11. Sondra Beverly & Amanda Moore & Mark Schreiner, 2001. "A Framework of Asset-Accumulation Stages and Strategies," Development and Comp Systems 0109004, University Library of Munich, Germany.
    12. P.C. Ike & D.E. Umuedafe, 2013. "Determinants of Savings and Capital Formation among Rural Farmers in Isoko North Local Government Area of Delta State, Nigeria," Asian Economic and Financial Review, Asian Economic and Social Society, vol. 3(10), pages 1289-1297, October.
    13. Johnson, Susan, 2004. "Gender Norms in Financial Markets: Evidence from Kenya," World Development, Elsevier, vol. 32(8), pages 1355-1374, August.
    14. Thorsten Beck & Haki Pamuk & Burak R. Uras, 2014. "Entrepreneurial Saving Practices and Reinvestment: Theory and Evidence from Tanzanian MSEs," CSAE Working Paper Series 2014-15, Centre for the Study of African Economies, University of Oxford.

    More about this item

    JEL classification:

    • O57 - Economic Development, Innovation, Technological Change, and Growth - - Economywide Country Studies - - - Comparative Studies of Countries
    • N3 - Economic History - - Labor and Consumers, Demography, Education, Health, Welfare, Income, Wealth, Religion, and Philanthropy
    • D91 - Microeconomics - - Micro-Based Behavioral Economics - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making
    • J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination

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