Loans to the Working Poor: A Longitudinal Study of Credit, Gender and the Household Economy

Noponen, Helzi

doi:10.1111/j.1468-2427.1992.tb00171.x

Cited by 26 publications

(15 citation statements)

References 1 publication

Supporting

Mentioning

Contrasting

Order By: Relevance

“…Although I did not find it in my research, Noponen (1990) echoes this theme, reporting that in WWF, group leaders hid higher rates of default by covering the payments of defaulters. Group leaders face pressure from WWF to keep up the organization's repayment rates and maintain credibility with donors.…”

Section: Resultssupporting

confidence: 64%

“…There is pressure on group leaders, who may not be much wealthier than other women in their group, to cover the payments of defaulting members so that paying members are not penalized for the failure of some members to repay (Noponen 1990). There is strong peer pressure on WWF borrowers to pay installments on time (Noponen 1990;Kalpagam 1994), and when members in a borrowing group do not know each other very well, the pressure can be especially strong. Community building therefore is not an automatic consequence of borrowing groups.…”

Section: Communitymentioning

confidence: 98%

See 1 more Smart Citation

Microcredit, Poverty, and Empowerment: Exploring the Connections

Shetty¹

2010

Perspect Global Dev Technol

View full text Add to dashboard Cite

In recent years microcredit has grown rapidly based on its promise to alleviate poverty and empower women. However, as the microcredit industry has grown, the initial emphasis on poverty alleviation and empowerment has changed; some critics argue that the industry now looks like commercial finance. This article explores these criticisms by comparing two microcredit programs in Chennai, India. Both programs work with the same population but take different approaches to credit delivery. Drawing from the participants' testimonies, the findings suggest that in general, the loans do not permanently move participants out of poverty; however, they do reduce some of the vulnerabilities associated with poverty.

show abstract

Section: Resultssupporting

confidence: 64%

Section: Communitymentioning

confidence: 98%

Microcredit, Poverty, and Empowerment: Exploring the Connections

Shetty¹

2010

Perspect Global Dev Technol

View full text Add to dashboard Cite

show abstract

“…The same pattern was observed by Mencher (1988) in rural Tamil Nadu and Kerala, and by de Wit (1996) in Madras slums. Studies by Noponen (1991Noponen ( , 1992 and Azad (1986) also highlighted that men spend a significant amount of their earnings on liquor, tobacco and pan, which is a mix of betel leaves and arecanut.…”

Section: Sample Localitiesmentioning

confidence: 95%

Are Poor Working Mothers in South India Investing Less Time in the Next Generation?

Sivakami¹

2010

Asian Population Studies

View full text Add to dashboard Cite

The main aim of this paper is to explore the relationship between women's work participation and childcare in South India through a disaggregated analysis of women's allocation of time for various childcare activities in low-income households. Women aged 15Á49, who had at least one living child below 10 years of age, and who lived in urban slums and in rural Scheduled Caste settlements were selected for this study. While regression analysis shows that working women spend significantly less time on childcare activities overall compared to non-working women, a disaggregated analysis illustrates that working women only spend less time playing with children. For all other activities, there is no difference between time spent by working and non-working women.

show abstract

“…Credit programme managers might be surprised at the effect of chronic and serious illness of borrowers and their family members for whom they care on timely loan repayment rates. In other situations, programme managers may observe that women receive and repay multiple loans, but hardly seem to progress beyond a minimal level of work and productivity (Noponen, 1992). Loans targeted for investment in the microenterprise are diverted away toward emergency consumption use and no measurable qualitative or quantitative change in the microenterprise activity is achieved.…”

Section: Introductionmentioning

confidence: 98%

Crises, setbacks and chronic problems—the determinants of economic stress events among poor households in India

Noponen

Kantor

2004

J of Intl Development

Self Cite

View full text Add to dashboard Cite

This study analyses the incidence, frequency, costs and subsequent coping strategies of economic stress events which disrupt the household economy among poor self-employed women organized by SEWA, a grassroots development NGO. An analysis of the determinants of stress levels reveals that women who were members in SEWA for longer periods, who held savings accounts in SEWA Bank and who provided greater earnings share to total family income had fewer stresses. The analysis underscores the positive effect of programs in financial service, social security, co-operative and trade union activities. The findings lend support to arguments in favour of the efficacy of credit-plus rather than minimalist creict programmes for poor women.

show abstract

Loans to the Working Poor: A Longitudinal Study of Credit, Gender and the Household Economy

Cited by 26 publications

References 1 publication

Microcredit, Poverty, and Empowerment: Exploring the Connections

Microcredit, Poverty, and Empowerment: Exploring the Connections

Are Poor Working Mothers in South India Investing Less Time in the Next Generation?

Crises, setbacks and chronic problems—the determinants of economic stress events among poor households in India

Contact Info

Product

Resources

About