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The Impact of Lending to Women on Household Vulnerability and Women's Empowerment: Evidence from India

University of Liverpool Management School Research Paper No. 2006/25

25 Pages Posted: 21 Jul 2006  

Supriya Garikipati

University of Liverpool Management School (ULMS) - Economics Division

Date Written: 2006

Abstract

Evaluation studies routinely find that lending to women benefits their households, they are however vastly divergent in their conclusions regarding its empowering potential. This paper investigates this paradoxical suggestion by examining a case study. Survey data from two drought prone villages in rural India shows that while lending to women has helped households reduce their vulnerability, the results on empowerment are less emphatic. On examining a combination of loan-related data and borrower-testimonies we find that high demand for credit for use on family farm/business combined with women's lack of co-ownership of family's productive assets may result in this perverse effect. If women's empowerment is a crucial objective then the patriarchal hold on productive assets must be challenged.

Keywords: group lending, household vulnerability, women's empowerment, India

JEL Classification: O12, O29, R29, Z00

Suggested Citation

Garikipati, Supriya, The Impact of Lending to Women on Household Vulnerability and Women's Empowerment: Evidence from India (2006). University of Liverpool Management School Research Paper No. 2006/25. Available at SSRN: https://ssrn.com/abstract=913766 or http://dx.doi.org/10.2139/ssrn.913766

Supriya Garikipati (Contact Author)

University of Liverpool Management School (ULMS) - Economics Division ( email )

Eleanor Rathbone Building
Bedford Street North
Liverpool L69 7ZA
United Kingdom

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