IDEAS home Printed from https://ideas.repec.org/p/pra/mprapa/59109.html
   My bibliography  Save this paper

Vybrané faktory ovlivňující zapojení žen v mikrofinancích
[The Selected Factors Influencing the Participation of Women in Microfinance]

Author

Listed:
  • Janda, Karel
  • Van Tran, Quang
  • Zetek, Pavel

Abstract

This paper investigates the possible reasons why many microfinance institutions (MFIs) have gradually experienced a decrease in the share of female borrowers in their portfolios over the last few years. We confirm that the share of women may be decreasing due to the growing dependence of the MFIs on their own financial sources. At the same time the decrease of the share of female borrowers is accentuated by their growing integration into the agricultural sector. Our results further show that share of women is also strongly dependent on the macroeconomic variables: economic growth, household consumption, wage, education, social environment and employment policy. All these indicators have a positive impact on the share of women participating in the microfinance programs.

Suggested Citation

  • Janda, Karel & Van Tran, Quang & Zetek, Pavel, 2014. "Vybrané faktory ovlivňující zapojení žen v mikrofinancích [The Selected Factors Influencing the Participation of Women in Microfinance]," MPRA Paper 59109, University Library of Munich, Germany.
  • Handle: RePEc:pra:mprapa:59109
    as

    Download full text from publisher

    File URL: https://mpra.ub.uni-muenchen.de/59109/1/MPRA_paper_59109.pdf
    File Function: original version
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Olivier Baguelin, 2010. "Male-Female Wage Gap and Vertical Occupational Segmentation: the Role of Work Attitude," Recherches économiques de Louvain, De Boeck Université, vol. 76(1), pages 31-55.
    2. Josef C. Brada & Martin Mandel & Vladimír Tomšík, 2008. "Intertemporální přístup k platební bilanci: vztah míry úspor a míry investic v bohatých, chudých a tranzitivních ekonomikách [Intertemporal approach to the balance of payments: relationship between," Politická ekonomie, Prague University of Economics and Business, vol. 2008(2), pages 147-161.
    3. Steven B. Caudill & Daniel M. Gropper & Valentina Hartarska, 2009. "Which Microfinance Institutions Are Becoming More Cost Effective with Time? Evidence from a Mixture Model," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 41(4), pages 651-672, June.
    4. S. Brana, 2013. "Microcredit: an answer to the gender problem in funding?," Small Business Economics, Springer, vol. 40(1), pages 87-100, January.
    5. Annabel Vanroose, 2008. "What macro factors make microfinance institutions reach out?," Working Papers CEB 08-036.RS, ULB -- Universite Libre de Bruxelles.
    6. Galor, Oded & Weil, David N, 1996. "The Gender Gap, Fertility, and Growth," American Economic Review, American Economic Association, vol. 86(3), pages 374-387, June.
    7. 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.
    8. Cull, Robert & Demirgüç-Kunt, Asli & Morduch, Jonathan, 2011. "Does Regulatory Supervision Curtail Microfinance Profitability and Outreach?," World Development, Elsevier, vol. 39(6), pages 949-965, June.
    9. D’Espallier, Bert & Hudon, Marek & Szafarz, Ariane, 2013. "Unsubsidized microfinance institutions," Economics Letters, Elsevier, vol. 120(2), pages 174-176.
    10. Wagner, Charlotte & Winkler, Adalbert, 2013. "The Vulnerability of Microfinance to Financial Turmoil – Evidence from the Global Financial Crisis," World Development, Elsevier, vol. 51(C), pages 71-90.
    11. Janda, Karel & Zetek, Pavel, 2013. "Macroeconomic factors influencing interest rates of microfinance institutions in Latin America," MPRA Paper 49973, University Library of Munich, Germany.
    12. Annabel Vanroose, 2008. "Which macro factors make microfinance institutions reach out?," ULB Institutional Repository 2013/174948, ULB -- Universite Libre de Bruxelles.
    13. Barbara Bird & Candida Brush, 2002. "A Gendered Perspective on Organizational Creation," Entrepreneurship Theory and Practice, , vol. 26(3), pages 41-65, April.
    14. Mark M. Pitt & Shahidur R. Khandker, 1998. "The Impact of Group-Based Credit Programs on Poor Households in Bangladesh: Does the Gender of Participants Matter?," Journal of Political Economy, University of Chicago Press, vol. 106(5), pages 958-996, October.
    15. Kate Maclean, 2012. "Banking on women's labour: Responsibility, risk and control in village banking in Bolivia," Journal of International Development, John Wiley & Sons, Ltd., vol. 24, pages 100-111, January.
    16. Ahmad Nawaz, 2010. "Performance of Microfinance: The Role of Subsidies," Working Papers CEB 10-008.RS, ULB -- Universite Libre de Bruxelles.
    17. Emmanuel Skoufias & Phillippe Leite & Renata Narita, 2013. "Expanding Microfinance in Brazil: Credit Utilisation and Performance of Small Firms," Journal of Development Studies, Taylor & Francis Journals, vol. 49(9), pages 1256-1269, September.
    18. D'Espallier, Bert & Guérin, Isabelle & Mersland, Roy, 2011. "Women and Repayment in Microfinance: A Global Analysis," World Development, Elsevier, vol. 39(5), pages 758-772, May.
    19. Bert D'espallier & Isabelle Guerin & Roy Mersland, 2013. "Focus on Women in Microfinance Institutions," Journal of Development Studies, Taylor & Francis Journals, vol. 49(5), pages 589-608, May.
    20. Rodrigo R. Soares & Bruno L. S. Falcão, 2008. "The Demographic Transition and the Sexual Division of Labor," Journal of Political Economy, University of Chicago Press, vol. 116(6), pages 1058-1104, December.
    21. Agier, Isabelle & Szafarz, Ariane, 2013. "Microfinance and Gender: Is There a Glass Ceiling on Loan Size?," World Development, Elsevier, vol. 42(C), pages 165-181.
    22. Polachek, Solomon W, 1995. "Earnings over the Life Cycle: What Do Human Capital Models Explain?," Scottish Journal of Political Economy, Scottish Economic Society, vol. 42(3), pages 267-289, August.
    23. Janda, Karel & Tran, Quang & Zetek, Pavel, 2014. "Vliv externího financování na mikrofinanční rozvoj - makro perspektiva [Influence of external funding on microfinance performance - macro perspective]," MPRA Paper 58166, University Library of Munich, Germany.
    24. Karel Janda & Batbayar Turbat, 2013. "Determinants of the financial performance of microfinance institutions in Central Asia," Post-Communist Economies, Taylor & Francis Journals, vol. 25(4), pages 557-568, December.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Karel Janda & Tran Van Quang & Pavel Zetek, 2015. "Faktory ovlivňující zapojení žen v mikrofinancích [The Factors Influencing the Participation of Women in Microfinance]," Politická ekonomie, Prague University of Economics and Business, vol. 2015(3), pages 363-381.
    2. Janda, Karel & Van Tran, Quang & Zetek, Pavel, 2014. "Influence of External Funding on Microfinance Performance," MPRA Paper 58170, University Library of Munich, Germany.
    3. Janda, Karel & Tran, Quang & Zetek, Pavel, 2014. "Vliv externího financování na mikrofinanční rozvoj - makro perspektiva [Influence of external funding on microfinance performance - macro perspective]," MPRA Paper 58166, University Library of Munich, Germany.
    4. Niels Hermes & Marek Hudon, 2018. "Determinants Of The Performance Of Microfinance Institutions: A Systematic Review," Journal of Economic Surveys, Wiley Blackwell, vol. 32(5), pages 1483-1513, December.
    5. Brière, Marie & Szafarz, Ariane, 2015. "Does Commercial Microfinance Belong to the Financial Sector? Lessons from the Stock Market," World Development, Elsevier, vol. 67(C), pages 110-125.
    6. Janda, Karel & Zetek, Pavel, 2014. "The Impact of Public Spending on the Performance of Microfinance Institutions," MPRA Paper 55690, University Library of Munich, Germany.
    7. Hermes, Cornelis & Hudon, M., 2018. "Determinants of the Performance of Microfinance Institutions: A Systematic Review," Research Report 2018008, University of Groningen, Research Institute SOM (Systems, Organisations and Management).
    8. repec:dau:papers:123456789/14039 is not listed on IDEAS
    9. Bert D'Espallier & Marek Hudon & Ariane Szafarz, 2016. "Aid Volatility and Social Performance in Microfinance," Working Papers CEB 16-015, ULB -- Universite Libre de Bruxelles.
    10. B. Mak Arvin & Byron Lew (ed.), 2015. "Handbook on the Economics of Foreign Aid," Books, Edward Elgar Publishing, number 15762.
    11. Anastasia Cozarenco & Ariane Szafarz, 2018. "Gender Biases in Bank Lending: Lessons from Microcredit in France," Journal of Business Ethics, Springer, vol. 147(3), pages 631-650, February.
    12. Wijesiri, Mahinda & Yaron, Jacob & Meoli, Michele, 2015. "Performance of microfinance institutions in achieving the poverty outreach and financial sustainability: When age and size matter?," MPRA Paper 69821, University Library of Munich, Germany.
    13. Périlleux, Anaïs & Szafarz, Ariane, 2015. "Women Leaders and Social Performance: Evidence from Financial Cooperatives in Senegal," World Development, Elsevier, vol. 74(C), pages 437-452.
    14. Karel Janda & Pavel Zetek, 2015. "Mikrofinanční revoluce: kontroverze a výzvy [Microfinance Revolution: Controversies and Challenges]," Politická ekonomie, Prague University of Economics and Business, vol. 2015(1), pages 108-130.
    15. Al-Azzam, Moh'd & Mimouni, Karim & Smaoui, Houcem & Temimi, Akram, 2022. "Subsidies vs. deposits and cost inefficiency in microfinance," Journal of Economic Behavior & Organization, Elsevier, vol. 198(C), pages 212-235.
    16. Gutiérrez-Nieto, Begoña & Serrano-Cinca, Carlos, 2019. "20 years of research in microfinance: An information management approach," International Journal of Information Management, Elsevier, vol. 47(C), pages 183-197.
    17. Wijesiri, Mahinda & Yaron, Jacob & Meoli, Michele, 2017. "Assessing the financial and outreach efficiency of microfinance institutions: Do age and size matter?," Journal of Multinational Financial Management, Elsevier, vol. 40(C), pages 63-76.
    18. Fall, F.S. & Tchakoute Tchuigoua, H. & Vanhems, A. & Simar, L., 2021. "Gender effect on microfinance social efficiency: A robust nonparametric approach," European Journal of Operational Research, Elsevier, vol. 295(2), pages 744-757.
    19. Narda R. Quigley & Pankaj C. Patel, 2022. "Reexamining the gender gap in microlending funding decisions: the role of borrower culture," Small Business Economics, Springer, vol. 59(4), pages 1661-1685, December.
    20. Simon Cornée & Gervais Thenet, 2016. "Efficience des institutions de microfinance en Bolivie et au Pérou:une approche data envelopment analysis en deux étapes," Revue Finance Contrôle Stratégie, revues.org, vol. 19(1), pages 65-91, March.
    21. Nyarko, Samuel Anokye, 2022. "Gender discrimination and lending to women: The moderating effect of an international founder," International Business Review, Elsevier, vol. 31(4).

    More about this item

    Keywords

    microfinance; female; microcredit; macroeconomics;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O11 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Macroeconomic Analyses of Economic Development
    • O54 - Economic Development, Innovation, Technological Change, and Growth - - Economywide Country Studies - - - Latin America; Caribbean

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:pra:mprapa:59109. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Joachim Winter (email available below). General contact details of provider: https://edirc.repec.org/data/vfmunde.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.