The Impact of Lending to Women on Household Vulnerability and Women's Empowerment: Evidence from India
The Impact of Lending to Women on Household Vulnerability and Women's Empowerment: Evidence from India
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向妇女贷款对家庭脆弱性和妇女赋权的影响：来自印度的证据
DOI：
10.2139/ssrn.913766
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发表时间：
2008
期刊：
影响因子：
--
通讯作者：
S. Garikipati
中科院分区：
文献类型：
--
作者：
S. Garikipati
影响评价研究通常发现，向妇女提供贷款有利于她们的家庭。然而，其中一些国家还认为，这可能不会增强有关妇女的权能。这个看似矛盾的结论被我们对印度农村贷款项目的研究所证实。我们调查这一结果，通过研究贷款使用数据和担保人证词的组合。我们发现，妇女获得的贷款往往被转用于增加家庭资产和收入。我们的结论是，这与妇女缺乏对家庭生产性资产的共同所有权相结合，导致了妇女的权力被剥夺。如果赋予妇女权力是一个关键目标，那么必须挑战父权制对生产性资产的控制。
Summary Impact evaluation studies routinely find that lending to women benefits their households. However, a number of them also find that this may not empower the women concerned. This seemingly paradoxical conclusion is confirmed by our study with respect to a lending program in rural India. We investigate this result by examining a combination of loan-use data and borrower-testimonies. We find that loans procured by women are often diverted into enhancing household's assets and incomes. This combined with woman's lack of co-ownership of family's productive assets, we conclude, results in her disempowerment. If empowering women is a crucial objective, then the patriarchal hold on productive assets must be challenged.