The Cost of Empowerment: Multiple Sources of Women’s Debt in Rural India

Abstract

Poor women borrow from multiple sources. This study examines whether the source of debt matters for women’s role in household financial decisions. Drawing on a household survey from rural Tamil Nadu, we categorise women’s loans along the lines of accessibility and formality into ‘planned loans’ and ‘instant loans’. We find that ‘instant loans’ support women’s bargaining power in various types of household financial decisions, whereas ‘planned loans’ have no impact. This surprising result is better understood when the nature of ‘instant loans’ is examined – these are frequently usurious, involve coercive enforcement methods and are considered socially debasing. Hence women who use them perform a convenient role for their households and in return gain some negotiating power.     

Landless but not assetless: female agricultural labour on the road to better status,evidence from India

Women's share of agricultural wage employment is rising across the Indian sub-continent. Studies examining this process of feminisation tend to be divided along the lines of an ideological debate following either the ‘poverty-push’ or the ‘demand-pull’ argument. This debate, however, has largely ignored the institution of patriarchy. In this study we revisit the debate with a focus on gender relations. The study is based on data collected from 291 households in the state of Andhra Pradesh. We find that, despite increased labour market participation, women's household status, her wages and working conditions remain acutely depressed. Women labourers with access to productive assets, however, are effectively expanding their agency within both the household and the labour market. Their experiences, we argue, have implications for transformative policies.     

Public Sector Restructuring and Democracy: The State,Labour and Trade Unions in India

This article looks at the ways in which marketisation reforms affect the empowerment, ideological universes and functioning limits of popular institutions. Under what circumstances do left-leaning trade unions accept job cuts and wage freezes? What are the boundaries of consent and dissent? Case studies of three public sector companies in Bangalore city in the southern state of Karnataka, India, indicate that labour rationalisation has occurred with trade union acquiescence and support. However, as yet there is no broad institutional framework to handle social security, rehabilitation and redeployment of displaced workers. Public sector workforce reduction is taking place in a general economic context where there has been little growth of employment in the organised manufacturing sector. Beneath unions' apparent acquiescence to rationalisation processes, there are critical areas of dissent. Dissent, however, has not manifested itself in a critical alternative to the state's rationalisation policies. Changing party-union relations, and shifts in the internal dynamics of unions affecting choice of leaders, union aspirations and ideologies - underwritten by the broader economic changes wrought by the marketisation process - partially explain the inability of the labour movement to shape a definitive challenge to the marketisation process.     

Role Stress: A Career Stage Comparison

Based on the premise that the individual's perception of the work roles differs across career stages, several studies have shown that role stress also differs. The main purpose of this study is to investigate if moderating variables like motivation, locus of control, and self-efficacy would also impact stress-outcome relationships differently across career stages. Multiple moderator regression analysis was used to analyze the data collected from respondents belonging to the Indian Administrative Service (IAS), Tamil Nadu Cadre. The findings of the study indicated a significant difference in the moderating role of the personality variables across career stages. The main implication is that organizations may have to design specific stress intervention programs based on the nature of role stressors experienced in each of the career stages. An effort to strengthen personality variables that act as positive moderators must also be made an integral part of the stress intervention programs.     

Microfinance and Gender: Issues,Challenges and The Road Ahead

Abstract

This special collection examines the claim that microfinance promotes gender equality. The focus is on three areas of the debate: first, the question of how successful microfinance has been in empowering women; second, whether and how negative gender discrimination operates within the sector; third, how power relations within and beyond the household shape the context and outcomes of microfinance initiatives. The papers in this collection demonstrate the divergence of circumstances and emphasise the need to go beyond the past searches for a simple narrative regarding the impact of microfinance. Rather, as the sector evolves and is incorporated into the mainstream financial system, the challenge ahead for researchers is to marshal the evidence on gendered dynamics to ensure that the gains made are built on through deeper understanding of why impact outcomes and processes differ and use this to inform new initiatives to further gender equality.