Women on Wheels: empowering women through an innovative training and employment programme

Significant victories have been won due to the development sector’s engagement with gender inequality as a political project, but regressive shifts have also led to development being conceptualised as a managerial issue rather than as a process of social change. This article uses empirical research conducted in New Delhi, India with an organisation that trains and employs poor urban women as commercial drivers to discuss how an obsession with “cost effectiveness” and “scale” can delegitimise the valuable work of some organisations. This article encourages re-engagement with gender equality as a complicated social issue rather than as a technical-rational management project.     

Financial services to the poor: the microfinance dilemma in Andhra Pradesh

In India, microfinance and associated strategies of forming self-help groups came about in response to a newly independent nation and its need to include the rural non-banking population into national structures of development and governance. This article examines how the rapid growth of microfinance institutions during the last two decades – especially in the context of the more recent transition from non-profit to for-profit non-banking finance companies (NBFCs) – has led to a significant increase in the delivery of financial services to the rural poor. In Andhra Pradesh, the simultaneous existence of some of India’s most prominent microfinance institutions (MFIs) and their mobilisation of self-help groups – with state backing and linkages to banks leading to relatively easy availability of funds – has led to a tremendous surge in the availability of credit across the state.     

Entrepreneurial traits and micro-enterprise performance: a study among women micro-entrepreneurs in Malaysia

This article reports on a study that examined the effect of key entrepreneurial traits on the performance of micro-enterprises owned and managed by Amanah Ikhtiar Malaysia (AIM) women micro-entrepreneurs in Malaysia. This study adopted a cross-sectional design and a quantitative approach, and collected data from 407 micro-entrepreneurs. The study findings revealed that an ability to identify and tap into entrepreneurial opportunity is the key entrepreneurial trait that has a significant positive effect on the performance of micro-enterprises. AIM should therefore focus on designing enterprise development training programmes to improve entrepreneurs’ ability to identify and tap into entrepreneurial opportunity.     

Social and economic inclusion of people with disabilities: practical lessons from Bangladesh

People with disabilities remain one of the most excluded minorities, often deprived of the benefits of mainstream development programmes. This practical note reports on lessons learnt in delivering a programme combining a community based rehabilitation (CBR) and self-help group approach with disabled persons in rural Bangladesh. Our findings demonstrate how targeted programmes can bring about the social and economic inclusion of disabled persons. We also highlight the greater effectiveness of CBR programmes when targeting a more diverse client base, when not based on debt recovery, and how targeted programmes can even benefit the wider community.     

A praxis-based global ethical discourse on development and women

This article explores a praxis-based moral approach to the study of development and women. Drawing upon an illustrative case-study of Ankur Kala – a non-governmental organisation devoted to the development of destitute women in Kolkata, India – the article shows how studying actual development practices on the ground generates valuable insights without which our ethical understanding of women's development globally would be incomplete.     

Why work “at home”? Oxfam’s value-added and the UK Poverty Programme

International development NGOs are in existential crisis. Their legitimacy and added value are increasingly challenged. While scholars have focused on legitimacy, work on “value-added” is scarce. In particular, no research addresses the value of domestic programmes to international NGOs. This article rectifies this, focusing on the case of Oxfam GB’s UK Poverty Programme (UKPP). Using empirical research from 35 interviews with Oxfam GB staff, partners and beneficiaries and over 150 archive documents, the article identifies seven assets through which the programme provides value added to Oxfam GB. It highlights the possibility that these could offer insights into the dimensions of future INGOs.     

Impact of microcredit on income,poverty, and economic vulnerability in Peninsular Malaysia

This article examines the effect of Amanah Ikhtiar Malaysia's (AIM) microcredit programme on low-income households' income, poverty rate, and vulnerability in Peninsular Malaysia. This study employed a quasi-experimental approach, cross-sectional design, and stratified random sampling method. Findings indicated that participation in AIM's microcredit programme leads to an increase in household income and reduces both the poverty rate and level of economic vulnerability. AIM and policymakers, therefore, should focus on promoting a supportive environment to improve cooperation among participants by designing a dynamic and well-diversified microfinance programme and specialised skills-building training programme.     

Global financial crisis and women's micro-lending innovations in Pakistan and Malawi

Microcredit/finance as a tool to eradicate poverty and empower women in developing countries has been a darling of developed countries. The success stories from microcredit borrowers from Bangladesh, India, and Africa, and global endorsement of microcredit programmes have largely ignored local indigenous initiatives managed by groups of women in rural and urban areas. Evidence from fieldwork in Pakistan and Malawi suggests that although systematically recorded history of such indigenous initiatives is lacking, women in these settings would attest that there exists generational knowledge about such small-scale, group-based micro-lending which can be used to enhance livelihoods in rural households.     

Mismatch between NGO services and beneficiaries' priorities: examining contextual realities

The proliferation of NGOs, particularly in developing countries over the last five decades, has prompted debates on the extent to which NGO services have been able to match the priorities of disadvantaged groups such as low castes and ethnic groups in Nepal. This paper explores the development priorities of villagers from a village in Nepal (Thecho), and their views regarding the match between services offered by NGOs and those priorities. Additionally, the paper highlights the importance of NGOs understanding contextual realities while implementing development activities.     

Livelihood recovery after disaster

A lack of monitoring and evaluation on the outcomes of livelihood recovery programming has typified many post-disaster recovery initiatives. This article uses a case study of the 2006 Yogyakarta, Indonesia earthquake to analyse longer-term impacts of livelihood programming after disaster. The article includes an overview of the programming implemented in five case study villages and the perspectives of impacted populations on the livelihood interventions. Results indicate the importance of longer-term programming, early interventions, local leadership, and an integrative strategy focusing on replacing assets, providing capital and credit to jumpstart entrepreneurial activities, capacity and skills building, and developing markets and networks.     

Factors influencing working conditions of small enterprises in Sylhet City,Bangladesh

This article looks at variables that affect the working lives of small business entrepreneurs in Sylhet City, Bangladesh, and whether microfinance ensures decent working conditions in small ventures. The findings show that social dialogue among borrowers and their enterprise stability have the largest impacts on work and non-work life, and that social discussions among borrowers have the most significance in achieving harmony between work and non-work life. The results suggest that loan organisations need to draw in their borrowers more by using social relations in empowering decent working conditions.     

In the name of ‘underdeveloped’ Adibashi: the politics of NGOs and the Munda in Bangladesh

This paper aims to unpack the politics of NGO activism with the Munda – a minority Adibashi group in Bangladesh. In addition to offering microcredit, NGOs launched educational and awareness building programmes for the Adibashi. Most notably, the Munda are not content to blindly follow the instructions of NGOs – namely, to get educated, find a white-collar job, and develop identity politics – to improve their socio-economic and political positions. Rather, there is growing awareness among the Munda to gather knowledge, which helps them to consciously educate themselves to undertake new activities to improve their condition by interacting with wider society.

Au nom des Adibashis « sous-développés » : les dimensions politiques des ONG et des Mundas au Bangladesh

Cet article cherche à analyser les dimensions politiques de l'activisme des ONG auprès des Mundas – un groupe minoritaire d'Adibashis au Bangladesh. En plus de proposer des microcrédits, les ONG ont lancé des programmes éducatifs et de sensibilisation destinés aux Adibashis. L'aspect le plus remarquable est que les Mundas ne veulent pas suivre aveuglément les instructions des ONG – à savoir suivre une éducation, trouver un emploi dans un bureau et développer des convictions politiques auxquelles s'identifier – afin d'améliorer leur situation socio-économique et politique. Au lieu de cela, on observe une prise de conscience croissante parmi les Mundas qui les pousse à rassembler des connaissances, ce qui les aide à s'éduquer consciemment afin de pouvoir entreprendre de nouvelles activités leur permettant d'améliorer leur condition en entrant en interaction avec la société dans son ensemble.

En nombre de los adibashi “subdesarrollados”: las políticas de las ONG y los munda en Bangladesh

El presente artículo pretende desmenuzar las políticas que sustentan las acciones llevadas a cabo por las ong con los munda –un grupo minoritario de adibashi en Bangladesh. Además de ofrecer esquemas de microcrédito, las ong impulsaron programas educacionales y de concientización para los adibshi. Sin embargo, cabe hacer notar que los munda no se conforman con seguir ciegamente las instrucciones de las ong –centradas en la educación, en encontrar un empleo de “cuello blanco” y en desarrollar políticas de identidad– para mejorar su situación socioeconómica y política. Por el contrario, entre los munda existe una creciente conciencia acerca de la necesidad de acumular conocimientos que les ayuden a educarse conscientemente, lo que les permitirá emprender nuevas actividades que mejoren su situación relacionándose con la sociedad más amplia.

Em nome da comunidade “subdesenvolvida” de Adibashi: as políticas de ONGs e do Munda de Bangladesh

Este artigo visa examinar as políticas do ativismo de ONGs com o Munda – grupo minoritário Adibashi em Bangladesh. Além de oferecer microcrédito, as ONGs lançaram programas educacionais e de conscientização dos Adibashi. Sobretudo, o Munda não está disposto a seguir cegamente as instruções das ONGs – isto é, estudar, encontrar um emprego administrativo e desenvolver políticas de identidade – para melhorar suas posições sócio-econômicas e políticas. Em vez disto, há uma conscientização crescente entre os participantes do Munda para obter conhecimento, que os ajude a ensiná-los conscientemente para que realizem novas atividades para melhorar suas condições através de uma interação com a sociedade mais geral.     

Intersection of disability and gender: multi-layered experiences of Ethiopian women with disabilities

This article explores the intersection of disability and gender through the experiences of Ethiopian women with disabilities using household chores as an example. As these women are often hidden at home, little literature is available on them. Thus this article aims to highlight the lived experiences of women with disabilities who are or have been at home. The interviewed women introduce peer support as an important means to increase their self-esteem and face stigma in their daily lives in a positive manner through dialogue and negotiation. The paper further suggests employing women with disabilities as a means to enable them to play a significant role in development cooperation by changing the status quo towards equality.     

Autonomy and policy independence in Africa: a review of NGO development challenges

Drawing on empirical data gathered from discussions with executive directors of NGOs in Ghana, this paper critically analyses the complex multi-tier relationships between NGOs and their donor partners and how these affect outcomes of their development projects in Ghana. The paper discusses how experiences with funding agencies inform crucial shifts in NGO programming for poverty alleviation. This paper argues that, given their (NGOs') peculiar positioning in development practice, a critical appraisal of power dynamics central to NGO operations (such as funding and ownership of development projects) is crucial to proposing new strategies of engagement with NGO activity in Africa.

Autonomie et indépendance sur le plan des politiques en Afrique : un bilan des défis de développement pour les ONG

Sur la base de données empiriques recueillies à partir de discussions avec des directeurs exécutifs d'ONG au Ghana, cet article analyse dans une optique critique les rapports complexes multi-niveaux entre les ONG et leurs partenaires bailleurs de fonds, et l'incidence qu'ils ont sur les résultats de leurs projets de développement au Ghana. Il traite de la manière dont les expériences avec des organismes donateurs façonnent des changements cruciaux dans la programmation des ONG en faveur de l'atténuation de la pauvreté. L'auteur soutient que, étant donné le positionnement particulier des ONG dans la pratique du développement, une évaluation critique de la dynamique de pouvoir centrale aux opérations des ONG (comme le financement et la propriété des projets de développement) est cruciale au moment de proposer de nouvelles stratégies en vue de la participation aux activités des ONG en Afrique.

Autonomía e independencia política en África: una revisión de los retos enfrentados por las ong en el desarrollo

Apoyándose en datos empíricos recabados a partir de diálogos sostenidos con los directores ejecutivos de ong en Ghana, el presente artículo analiza críticamente las relaciones complejas y de múltiples niveles que se establecen entre las ong y sus socios donantes. Del mismo modo, examina la manera en que dichas relaciones afectan los resultados obtenidos por sus proyectos de desarrollo en este país. Asimismo, el artículo revisa cómo las experiencias de las ong con las agencias de financiamiento, influyen en los cambios sustantivos detectados en los programas que han implementado para el alivio de la pobreza. El artículo sostiene que, dado el particular posicionamiento de las ong en la práctica del desarrollo, para proponer nuevas estrategias de involucramiento en las actividades que realizan en África, resulta crucial realizar una valoración crítica de las dinámicas del poder que se establecen en dichas actividades (por ejemplo, el financiamiento y el sentido de pertenencia de los proyectos de desarrollo).

Autonomia e independência de política na África: uma revisão dos desafios de desenvolvimento de ONGs

Baseando-se em dados empíricos coletados a partir de discussões com diretores executivos de ONGs de Gana, este artigo analisa de maneira crítica as relações complexas de vários níveis entre ONGs e seus parceiros doadores e como elas afetam os resultados de seus projetos de desenvolvimento em Gana. O artigo discute como as experiências com agências financiadoras influenciam mudanças cruciais em programas de ONGs para redução da pobreza. Este artigo argumenta que, tendo em vista o posicionamento peculiar (das ONGs) na prática de desenvolvimento, uma avaliação crítica da dinâmicas de poder central para operações de ONGs (tais como financiamento e posse de projetos de desenvolvimento) é crucial para se propor novas estratégias de engajamento com a atividade das ONGs na África.     

Empowering women at home and beyond: applying Japanese experiences for poverty alleviation

The problem of poverty pockets in middle income countries has been identified as a major constraint for realising the Millennium Development Goals. There is an international need to develop programmes that alleviate poverty of identified populations without incurring their dependency on external aid. Aiming at developing such a programme, this article introduces the Japanese post-war Life Improvement Program and analyses the potential of its application to contemporary developing countries for poverty alleviation in a self-sufficient manner, intending to empower women. Issues such as gender relations, evaluating impacts, and linking practices to larger programmes and policies are also discussed.     

Developing urban space: the changing role of NGOs in Bangladesh

Rapid urbanisation has been an emerging issue in recent decades, particularly for developing countries such as Bangladesh. As one of world’s largest international NGOs, BRAC, based in Bangladesh, is transiting towards a more integrated approach for alleviating urban poverty. This article presents BRAC’s current journey for eradicating urban poverty and outlines the characteristics of urban poverty, key issues faced by the urban poor, and learning that BRAC has accumulated through its urban interventions. Introducing the concept of “coproduction”, the article identifies BRAC’s priorities to eradicate urban poverty within the context of an overall urban strategy.     

The global financial crisis and self-help groups in rural India: are there lessons from their micro savings model?

The global financial crisis is envisaged to have impacted some Southern countries, including India, less severely than most countries in the North. India's expected economic growth of over nine per cent was brought down to just over five per cent. In the aftermath of the crisis, a positive growth figure itself sent optimistic signals. But in a country where nearly 80 per cent of the population – mostly in rural areas – lives on under US$2 a day with a high level of social and economic vulnerability, the effects of the crisis threaten to push many into deprivation. Yet, scattered evidence suggests the emergence of savings-led self-help groups for women amongst the poorest and socially excluded communities to overcome financial vulnerabilities. Grounded in participatory methods, the focal point this is the individual rural woman driving the well-being and the poverty agenda. The paper considers if there are lessons that can be drawn from this micro-level shift for the larger global crisis.

La crise financière mondiale et les groupes d'entraide en Inde rurale : y a-t-il des enseignements à tirer de leurs modèles de micro-épargne ?

On estime que la crise financière mondiale a eu un impact sur certains pays du Sud, y compris l'Inde, moins important que sur les pays de l'hémisphère Nord. La croissance économique prévue de l'Inde de plus de neuf pour cent a été réduite par la crise à juste un peu plus de cinq pour cent. Au lendemain de la crise, un chiffre de croissance positif a lui-même transmis des signaux optimistes. Mais dans un pays où presque 80 pour cent de la population – principalement en milieu rural – vit avec moins de 2 $ US par jour, avec un important degré de vulnérabilités sociales et économiques, les effets de la crise menacent de faire sombrer de nombreuses personnes dans l'indigence. Or, des données éparpillées suggèrent l'apparition de groupes d'entraide axés sur l'épargne pour les femmes parmi les communautés les plus pauvres et les plus socialement exclues pour leur permettre de surmonter leurs vulnérabilités financières. Avec comme socle les méthodes participatives, ces groupes ont comme axe le fait que ce sont les femmes rurales individuelles qui impulsent l'ordre du jour de la qualité de vie et de la pauvreté. Cet article demande s'il y a des enseignements à tirer de cette évolution au niveau micro pour la crise mondiale dans son ensemble.

La crisis financiera mundial y los grupos de autoayuda en la India rural: ¿existen aprendizajes de su modelo de microahorros?

Es comúnmente aceptado que la crisis financiera mundial ha tenido un impacto menos fuerte en algunos de los países del Sur como India que en la mayoría de los países del Norte. El crecimiento económico de más de 9% previsto para India se redujo a un poco más de 5%. El hecho de que tras la crisis la tasa de crecimiento haya sido positiva generó señales optimistas. Aún así, en un país donde casi 80% de la población – la mayoría residente en áreas rurales – vive con menos de usd 2 diarios y con un elevado nivel de vulnerabilidades socioeconómicas, los efectos de la crisis amenazaron con dejar a muchas personas en la penuria. Sin embargo, algunas investigaciones indican el surgimiento de grupos de autoayuda encabezados por mujeres y centrados en el ahorro, cuyo objetivo es enfrentar la vulnerabilidad financiera en las comunidades más pobres y socialmente marginadas. Utilizando métodos participativos, el centro de atención de este estudio es la mujer campesina que está impulsando los esfuerzos para lograr el bienestar y superar la pobreza. El artículo analiza la existencia de aprendizajes derivados de este cambio a nivel micro que pudieran ser aplicados a la crisis mundial más amplia.

A crise financeira global e grupos de auto-ajuda na Índia rural: há lições a serem tiradas de seu modelo de micropoupança?

Considera-se que a crise financeira global tenha tido impacto menos severo em alguns países do hemisfério sul, inclusive a Índia, do que na maioria dos países do hemisfério norte. A previsão de crescimento econômico da Índia de mais de nove por cento foi reduzida para apenas um pouco acima de cinco por cento. Na sequência da crise, um próprio dado positivo de crescimento enviou sinais otimistas. Mas em um país em que quase 80 por cento da população – a maioria em áreas rurais – vivem com menos de US$2 por dia, com um alto nível de vulnerabilidade social e econômica, os efeitos da crise ameaçam deixar muitos em situação de privação. Porém, evidências dispersas sugerem a emergência de grupos de auto-ajuda que visam poupar para que as mulheres que estão entre as comunidades mais pobres e socialmente excluídas superem as vulnerabilidades financeiras. Baseado em métodos participativos, o ponto de enfoque são as mulheres rurais individuais dirigindo a agenda sobre bem-estar e pobreza. O artigo avalia se existem lições que podem ser extraídas desta mudança de nível micro para a crise global mais geral.     

NGOs as intermediaries in post-disaster rural reconstruction: findings from research in India

Drawing upon research conducted in Gujarat, India, this article identifies the potential and limitations for NGOs to serve as intermediaries (between beneficiaries, governments, and international relief/development organisations) on post-disaster rural reconstruction projects. Findings reveal that NGOs can play important roles in facilitating the design and construction of high-quality, culturally appropriate housing; revitalising and diversifying livelihoods; and reducing physical and social vulnerability to future disasters. NGOs should have clearly defined roles, responsibilities, and accountability measures in post-disaster reconstruction projects, but they also need a certain amount of autonomy to protect their organisational philosophies and flexibility to make day-to-day decisions.     

Women’s NGOs as intermediaries in development cooperation: findings from research in Tanzania

This article employs research conducted with the Kivulini Women’s Rights Organization in Tanzania to discuss opportunities, constraints, and broader lessons about the role of women’s NGOs as intermediaries in development projects. Findings reveal that women’s NGOs often have insecure positions in development projects and are undervalued by executing agencies because advocating for gender equality is perceived as a “natural” extension of women’s roles in patriarchal societies. Women’s NGOs are “feminised” and consequently trivialised in their role as intermediaries, putting gender equality objectives at risk of attrition or abandonment. Under certain circumstances, women’s NGOs can be pushed out of partnership projects altogether.     

Intersectionality – A challenge for development research and practice?

“Intersectionality” as a concept is increasingly finding its way into development work. In order to develop an understanding of the concept, this article shows how intersectionality can be used as a conceptual framework to analyse identity-based development claims. The article builds on qualitative research with people living in the countryside in northwest Pakistan to develop an intersectional methodology to engage with development claims. It uses a three-step analytical model to identify subject positions from which different people negotiate “eligibility for development'' and ‘‘responsibility to develop”. The paper shows how frequently used categorisations such as gender and class should be complicated by development practitioners and worked with in a more nuanced way.