Microfinance and Gender Empowerment
Microfinance and Gender Empowerment
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小额信贷和性别赋权
DOI：
10.1016/j.jdeveco.2011.09.003
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发表时间：
2012
期刊：
影响因子：
--
通讯作者：
Z. Wahhaj
中科院分区：
文献类型：
--
作者：
Thi Phuong Ngo;Z. Wahhaj
在本文中，我们开发了一个家庭生产，谈判和信贷的理论模型来分析如何获得小额信贷影响家庭内部的决策和福利，并确定条件下，女性家庭成员最有可能受益。我们表明，符合人种学帐户的小额信贷方案对贫困家庭的影响，获得贷款可以导致各种结果的家庭内部决策和福利取决于初始条件，在某些情况下，妇女借款人可能会经历福利下降。我们确定了妇女最有可能受益的两种情况：当有机会将贷款有利可图地投资于联合活动时，以及当家庭预算的很大一部分用于家庭公共产品时。
In this paper, we develop a theoretical model of household production, bargaining and credit to analyse how access to microcredit affects intra-household decision-making and welfare, and identify conditions under which female household members are most likely to benefit. We show that, consistent with ethnographic accounts of the impact of microcredit programmes on poor households, access to loans can lead to a variety of outcomes for intra-household decision-making and welfare depending on initial conditions and that, in some instances, women borrowers may experience a decline in welfare. We identify two instances in which a woman is most likely to benefit: when there is scope for investing the loan profitably in a joint activity, and when a large share of the household budget is devoted to household public goods.