Impact of Microcredit on Employment Generation and Empowerment of Rural Women in India

Datta, Srimoyee; Sahu, Tarak Nath

doi:10.1177/0973005220969552

Cited by 38 publications

(20 citation statements)

References 45 publications

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“…Bhatia and Singh (2019) found huge increment in social, political and economic empowerment of women due to the penetration of different financial inclusion schemes in urban slums of India. Datta and Sahu (2020) advocated that access to microfinance has positive significant impact on empowering women not only economically but also politically, psychologically and socially. Nagaraj and Sundaram (2017) also showed increase of women’s economic and social empowerment in terms of growing monthly savings, expenditure and decision-making power in households by acquiring microfinance.…”

Section: Resultsmentioning

confidence: 99%

Financial Inclusion of Women and Gender Gap in Access to Finance: A Systematic Literature Review

Roy

Patro

2022

Vision: The Journal of Business Perspective

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The consistent gender gap in financial inclusion over time is postulated by World Bank Findex data despite an increase in the overall financial inclusion level around the globe. Women’s financial inclusion is significant in line with the promotion of gender equality- one of the 17 Sustainable Development Goals adopted by the United Nations. Academic literatures have fragmented studies on women’s financial inclusion and there is a dearth of systematic literature review to comprehend the overall literature landscape in analyzing research gaps. This article is an attempt to conduct a structured systematic literature review to identify factors impacting women’s financial inclusion, the associated gender gap and importance of promoting greater financial inclusion for women. Literature reviews are important to map the existing landscape of a study problem and develop further knowledge. This study reviews 75 peer reviewed articles from 2000 to 2021 and presents the findings in a comprehensive manner following a conceptual model. Synthesized evidence reveal the existence of gendered financial inclusion mainly due to demand side factors. Various socio-economic and cultural factors are also seen to influence women’s financial exclusion. Based on the mapping of existing findings the study suggests future research directions where emerging themes lie in the areas related to digital finance, financial self-efficacy and financial literacy which are important for enhancing women’s financial inclusion.

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Section: Resultsmentioning

confidence: 99%

Financial Inclusion of Women and Gender Gap in Access to Finance: A Systematic Literature Review

Roy

Patro

2022

Vision: The Journal of Business Perspective

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“…Dutta and Sahu (2020) observed improvement in livelihood practices across 350 MF borrowers through changes in income-generating activities and manpower engagement in West Bengal. The type of enterprise, duration of loan and volume of credit played a significant role in employability.…”

Section: Economic Indicators Assessmentmentioning

confidence: 96%

Efficiency and Effectiveness Evaluation of Micro-credit Programme in Transforming Rural Women Entrepreneurs: Experiences from Balasore District of Odisha

Rajpal

Tamang

2021

Emerging Economies Cases Journal

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The micro-credit programme was introduced with multi-dimensional objectives and therefore was always under direct purview of various government agencies. Microfinance in Odisha works under umbrella of Mission Shakti and TRIPTI (a world bank initiated project). Balasore district is selected on the basis of MFPI index taking into consideration the saving, credit linkage and credit-deposit ratio indicators. The analysis had shown positive impact of programme on various economic, social and decision making dimensions. The linked financial institutions have undertaken SHGs as their major customers and therefore positive impact on loan disbursement and recovery rate is observed.

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“…In the present times, apart from men, women too are making key contributors in shaping the economic development of every nation. As an important element of women empowerment, a wide range of initiatives have been taken for female equality (Datta & Sahu, 2021). Social inclusion is measured by women's rights to property, accessibility to education, etc., and financial inclusion is measured by accessibility to account opening, and accessibility to business loans.…”

Section: Review Of Literaturementioning

confidence: 99%

Women Entrepreneurs and Determinants of Their Success: An Empirical Study

Maity

Sahu

2020

SEDME (Small Enterprises Development, Management & Extensio

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Using a Logistic regression model the present study investigates the important factors that influence on ease of doing business by the women entrepreneurs. The respondents are from the four different backward regions in West Bengal, India. The goodness of fit of the model is checked in terms of the Hosmer–Lemeshow test. Moreover, a large share of the women-owned business is a single person enterprise, generates lower revenues, and is smaller in size. The study shows that most women are engaged in small entrepreneurs to help their families financially. Though, women entrepreneurs are facing challenges of financing and non-cooperation from their family members. Even from non-cooperation from the family, they are engaged in entrepreneurship after managing their households’ work. The level of productivity will be enhanced significantly in case easy access to credit and support received from the family members. The support may be in terms of mental as well by helping in households’ work. Further, the application of the Welch’s t-test shows the non-existence of a significant difference in income level among the two groups, who have faced complexities and who have no complexities into running the entrepreneurship. To improve the socio-economic status of the female counterpart of the society, initiatives from the grassroots level are absolutely essential.

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Impact of Microcredit on Employment Generation and Empowerment of Rural Women in India

Cited by 38 publications

References 45 publications

Financial Inclusion of Women and Gender Gap in Access to Finance: A Systematic Literature Review

Financial Inclusion of Women and Gender Gap in Access to Finance: A Systematic Literature Review

Efficiency and Effectiveness Evaluation of Micro-credit Programme in Transforming Rural Women Entrepreneurs: Experiences from Balasore District of Odisha

Women Entrepreneurs and Determinants of Their Success: An Empirical Study

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