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Role of micro-finance in women empowerment in Nepalese / Pooja Sharma
Title : Role of micro-finance in women empowerment in Nepalese Material Type: printed text Authors: Pooja Sharma, Author Publication Date: 2019 Pagination: 141p. Size: GRP/Thesis Accompanying material: 14/B Languages : English Abstract: According to Krishna (2003), empowerment means increasing the capacity of individuals or groups to make effective development and life choices and to transform these choices into desired actions and outcomes. Mohan (2011) argued that majority of microfinance programs target women with the explicit goal of empowering them. Empowerment means accepting and allowing people (women) who are on the outside of the decision-making process into it. The empowerment of women has been judged by analyzing the responses of the women beneficiaries in the study. It has helped in reducing domestic violence and also helped in anti-alcoholism among the villagers (Goel et al., 2015). Rappaport (1987) and Henry (2011) narrated that empowerment can be realized if the individual achieved a psychological sense of personal control and a social influence including political power and legal rights, as well as being able to gain greater access to, and control over, the equal share of valued resources.
Jayaweera (2010) revealed that because of economic and social constraints that prevail in society education has not been able to confront social class differentiation that increases gender inequality in the family, labor market and society. The relationship between education and empowerment has nuances that are revealed in the contradictions in macro data and in the more insightful studies of gender inequality in qualitative studies. Microfinance serves both the unbanked and under-banked and reduces poverty. Microfinance is the provision of financial services to low-income clients through micro-credit, compulsory savings, micro-insurance within the reach of millions who are classified as too poor to be financed by the universal banks. Microfinance often targets women and as such has become a critical tool in empowering women. Li et al. (2011) asserted that women empowerment through microfinance can positively transform women in two ways. First, microfinance supports poor women to earn income independent of their spouses and is able to financially support their families, which immediately boost their self-esteem. Second, it frees women from the narrow confines of household precincts and moves into a wider community as they access credit and use the credit facility to initiate income-generating activities. By being exposed to wider community coupled with the interaction with other women within the community, their self-confidence is fostered.
The major purpose of this study is to examine the role of microfinance institutions on women empowerment in Nepal. This objective has the following specific objectives: to examine perception of women on the level of entrepreneurial skills, access to resources, types of business, leadership skills and self-efficacy, to examine perception of women on the level of financial independency, decision making and self-confidence, to investigate the impact of loan size, entrepreneurial skills, access to resources, types of business, leadership skills and self-efficacy on financial independency, decision making and self-confidence in Nepalese MFIs, to analyze the relationship between loan size, entrepreneurial skills, access to resources, types of business, leadership skills and self-efficacy on financial independency, decision making and self-confidence in Nepalese MFIs, to determine which factors play the most important role in determining the level of women empowerment in Nepalese MFIs.
The primary source of data is used to assess the opinions of the respondents regarding the role of microfinance institutions in women empowerment. The survey is based on 201 observations from 15 microfinance institutions in Nepal. This study has employed descriptive research design and causal comparative research design to deal with issues associated with the role of microfinance institutions on women empowerment in Nepal.
The results of correlation analysis shows that loan size, entrepreneurial skill, types of business, access to resources, leadership skill and self-efficacy has have positive relationship with women empowerment in Nepal. Similarly, the results of correlation analysis also show loan size, entrepreneurial skill, types of business, access to resources, leadership skill and self-efficacy have positive relationship with women empowerment. The result of regression analysis shows that the beta coefficient for loan size, entrepreneurial skill, types of business, access to resources, leadership skill and self-efficacy has have significant and positive relationship with women empowerment.
The major conclusion of the study is that among all the independent variables, leadership skills followed by loan size, entrepreneurial skill, types of business, access to resources and self-efficacy is the major determinant of microfinance institutions in women empowerment in Nepal.
Role of micro-finance in women empowerment in Nepalese [printed text] / Pooja Sharma, Author . - 2019 . - 141p. ; GRP/Thesis + 14/B.
Languages : English
Abstract: According to Krishna (2003), empowerment means increasing the capacity of individuals or groups to make effective development and life choices and to transform these choices into desired actions and outcomes. Mohan (2011) argued that majority of microfinance programs target women with the explicit goal of empowering them. Empowerment means accepting and allowing people (women) who are on the outside of the decision-making process into it. The empowerment of women has been judged by analyzing the responses of the women beneficiaries in the study. It has helped in reducing domestic violence and also helped in anti-alcoholism among the villagers (Goel et al., 2015). Rappaport (1987) and Henry (2011) narrated that empowerment can be realized if the individual achieved a psychological sense of personal control and a social influence including political power and legal rights, as well as being able to gain greater access to, and control over, the equal share of valued resources.
Jayaweera (2010) revealed that because of economic and social constraints that prevail in society education has not been able to confront social class differentiation that increases gender inequality in the family, labor market and society. The relationship between education and empowerment has nuances that are revealed in the contradictions in macro data and in the more insightful studies of gender inequality in qualitative studies. Microfinance serves both the unbanked and under-banked and reduces poverty. Microfinance is the provision of financial services to low-income clients through micro-credit, compulsory savings, micro-insurance within the reach of millions who are classified as too poor to be financed by the universal banks. Microfinance often targets women and as such has become a critical tool in empowering women. Li et al. (2011) asserted that women empowerment through microfinance can positively transform women in two ways. First, microfinance supports poor women to earn income independent of their spouses and is able to financially support their families, which immediately boost their self-esteem. Second, it frees women from the narrow confines of household precincts and moves into a wider community as they access credit and use the credit facility to initiate income-generating activities. By being exposed to wider community coupled with the interaction with other women within the community, their self-confidence is fostered.
The major purpose of this study is to examine the role of microfinance institutions on women empowerment in Nepal. This objective has the following specific objectives: to examine perception of women on the level of entrepreneurial skills, access to resources, types of business, leadership skills and self-efficacy, to examine perception of women on the level of financial independency, decision making and self-confidence, to investigate the impact of loan size, entrepreneurial skills, access to resources, types of business, leadership skills and self-efficacy on financial independency, decision making and self-confidence in Nepalese MFIs, to analyze the relationship between loan size, entrepreneurial skills, access to resources, types of business, leadership skills and self-efficacy on financial independency, decision making and self-confidence in Nepalese MFIs, to determine which factors play the most important role in determining the level of women empowerment in Nepalese MFIs.
The primary source of data is used to assess the opinions of the respondents regarding the role of microfinance institutions in women empowerment. The survey is based on 201 observations from 15 microfinance institutions in Nepal. This study has employed descriptive research design and causal comparative research design to deal with issues associated with the role of microfinance institutions on women empowerment in Nepal.
The results of correlation analysis shows that loan size, entrepreneurial skill, types of business, access to resources, leadership skill and self-efficacy has have positive relationship with women empowerment in Nepal. Similarly, the results of correlation analysis also show loan size, entrepreneurial skill, types of business, access to resources, leadership skill and self-efficacy have positive relationship with women empowerment. The result of regression analysis shows that the beta coefficient for loan size, entrepreneurial skill, types of business, access to resources, leadership skill and self-efficacy has have significant and positive relationship with women empowerment.
The major conclusion of the study is that among all the independent variables, leadership skills followed by loan size, entrepreneurial skill, types of business, access to resources and self-efficacy is the major determinant of microfinance institutions in women empowerment in Nepal.
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