The power of small-scale solar: gender,energy poverty,and entrepreneurship in Tanzania

Energy poverty is a major challenge in the developing world, with an estimated 1.2 billion people lacking household electricity. Although energy poverty affects both men and women, the burden of household energy supply disproportionately affects women in low-income countries in the developing world. This article examines the impact of a women-oriented solar lighting social enterprise, Solar Sister, in Tanzania for both solar entrepreneurs and customers, demonstrating that solar lanterns positively impact household savings, health, education and women’s economic productivity and empowerment. Our study argues that Solar Sister’s approach is successful because of its explicit gender lens. Providing energy access to women translates to a pro-woman, pro-child, and pro-family development intervention.     

Urban women's informal savings and credit systems in Zambia

This article is based on findings from semi-structured interviews and discussions among "chilimba" groups in Zambia. Chilimba groups are primarily women's groups that engage in credit and savings programs. Group membership ranges from 4 to 20 members. The women agree on a fixed, regular cash contribution that is given in turn to each member in a specified order. Market groups tend to be larger and contributions of about a dollar are made daily. Smaller groups tend to make larger, but less frequent contributions. Default is rare, as the commitment is taken very seriously. New members are added at the end of the rotation. Loans can be used for domestic or business use. Chilimba groups are evidence that very poor people desire savings. Chilimba brings together people with similar financial needs and resources. Chilimba does not require formal, written procedures or formal institutional frameworks. Chilimba is not a remedy for reducing overall poverty. It is appropriate only for people with some regular source of income. It does not serve as a safety net in emergencies. Long-term loans are not possible. A limitation is its openness and lack of structure that permit potential abuse. It is a livelihood strategy for women, but benefits could be gained from including men. It is urged that groups consider whether the position of the poor is being enhanced or undermined. Different models need to be tested. Members themselves must decide on the type and phasing of activities.     

Palestinian women,violence, and the peace process

Much has been written about the contribution of Palestinian women to their nation's liberation struggle. They have not only survived in an atmosphere of remorseless violence, but have also made remarkable strides in terms of their rights and development as women. A question that has been less explored is the long-term impact of violence against women, whether in terms of their physical and psychological well-being or of their ability to participate in a meaningful way either in the conflict itself or in the post-conflict situation. This paper argues that, although Palestinian women are not simply victims but also agents of violence, such violence--whether random or institutionalised, perpetrated by the enemy or by their own people--places significant constraints on their ability to participate in the national liberation struggle. Consequently, they are inadequately prepared to contribute towards the peace process and, therefore, are prevented from realising their full potential in the new state.     

Micro-finance evangelism, 'destitute women', and the hard selling of a new anti-poverty formula

This article challenges the recent uncritical enthusiasm for the potential of micro-finance institutions to reduce poverty. It is argued that, although understanding about how to design anti-poverty financial intermediation has improved, the current campaign to increase resource allocation in this sector may undermine the very sustainability that is being sought. Further, studies of the impact of micro-enterprise credit suggest that it is not necessarily beneficial to very poor people. Interventions in the provision of financial services should not be made without locally specific analysis of the functions of existing savings and credit facilities. An emphasis on scale acts as a disincentive to such analysis, and increases the risk of the reemergence of a 'blueprint' approach to anti-poverty action.     

Gender,energy, and empowerment: a case study of the Rural Energy Development Program in Nepal

Rural women in general, and mountain women in particular, are greatly involved in managing household energy systems in Nepal. Alternative energy technologies have a high potential to reduce women's workloads and improve their health status, as well as increasing efficient energy supply. Interventions in rural energy are primarily aimed at reducing firewood use and increasing economic growth through rural electrification, rather than aiming to reduce human drudgery, especially that of women. Hence, such intervention takes place without considering the needs, roles, interests, and potential of rural women, even though women are the primary users and managers of rural energy resources. This article aims to analyse the gender implications of rural energy technologies in Kavre district, where the Rural Energy Development Program (REDP) has been implemented, especially in terms of saving women's labour and increasing socio-economic opportunities for women.     

Alternative financial institutions? Sustainability,development, social reproduction,and gender analysis

This paper proposes a conceptual framework for alternative financial institutions in Nicaragua. The article includes a discussion on innovative services and policies, which differentiate CARUNA (National Savings and Credit Cooperative ?Caja Rural?), and other financial institutions from conventional banks. It further examines theories that have altered the way development practitioners think about the economy, poverty reduction, and the positions of men and women in the society. These theories are the feminist economic theory and alternative development theories. Specific ways to incorporate the concepts of alternative and feminist economic theories in the design of financial institutions include open credit, savings, and remittance mechanisms, and coordinating councils. The gender analysis approach was used to evaluate the design of financial institutions.     

Are savings groups a livelihoods game changer for young people in Africa?

The triad of entrepreneurship, self-employment, and financial inclusion underpins policy and development interventions meant to address the youth employment challenge in Africa. Youth savings groups are being widely promoted as a first step toward financial inclusion and economic empowerment. This article reports on the links between income-generating activities of 57 members of youth savings groups in Tanzania, Uganda, Zambia, and Ghana, and their membership in savings groups. It concludes that while savings groups can help to facilitate operational expenses and cash flow – and thus support members’ micro-enterprises – in opportunity starved contexts their transformational potential is probably being oversold.     

Theorizing global imbalances: a perspective on savings and inequality

The recent global financial crisis has generated substantial research interest in the relationships among savings, inequality and global imbalances. Our study examines the causes of global imbalances by analysing the relationship between income inequality and economic performance and the relationship between savings imbalances and economic instability. We identify a positive link between savings and inequality whenever savings are allocated through the financial market to investment firms for production. However, this relationship becomes negative when non-saving households borrow savers' funds for consumption. Our findings suggest that income inequality should be reduced in both China and the US to mitigate global imbalances.     

Female entrepreneurs and poverty reduction: hair craft SMEs in Tanzania

This study attempts to link poverty alleviation with specific sectors and gender in the context of a developing country, focusing on, female hairstylists in Tanzania. Using the absolute definition of poverty based on income/consumption in relation to specific nationally and internationally defined living standards, the study examined the income and consumption patterns of 230 women engaged in the hairstyling business in Dar es Salaam, Tanzania. Findings suggest that female entrepreneurs in the business earn more relative to conventionally defined indicators. Their earnings have improved their consumption, investments and savings, and enabled them to fulfil their dependents’ basic needs.     

Older women, health, and social care in Singapore

A key demographic feature in the high-income country of Singapore is that women have longer years of life than men, and the aging pattern in Singapore is similar to that of Northern Europe. This paper describes how this current generation of older Singaporean women aged 65 and above experiences declines in health status and well-being as they age. Their vulnerability is the higher risk of chronic illnesses stemming from longer life expectancy and a lower likelihood of access to appropriate health and social care. This is because health and social care in old age are mainly financed by individual out-of-pocket spending which includes support from adult children. Unlike Northern Europe, Singapore does not yet have a well-developed social welfare system to support women in old age.     

Networks,support groups,and domestic violence

This article discusses recent preliminary research findings on domestic violence against women in Calcutta, India, during 1994-95 and other evidence from around the world. The Beijing Conference on Women affirmed that physical, sexual, and psychological abuse of women occurs regardless of income, class, or culture. The author found from interviews with 47 abused Indian women from a mixture of backgrounds that middle-class women were the most private and difficult to interview. Findings from interviews suggest that women can resist or challenge the abuse by men, and resolution is the end to abuse. The research aimed to identify factors that enhanced resistance and resolution. Over 66% of abused women responded by informing others or crying or offering resistance. Single women and mothers are vulnerable due to stereotyping and economic insecurity. Women's groups recommend formation of shelters for abused women, income generation programs, and training projects, but funding is frequently limited for such activities. Some abused women are unaware of their rights or do not seek help from agencies. Illiteracy interferes with exchanges of pertinent information. Women in the Indian study did not accept violence as part of marriage. 70% of the women stated that after reporting the violence there was resolution. For sexual violence, resolution did not occur, and Indian law does not treat marital rape as a criminal offense. Most of the abused Indian women had contacts with governmental or other organizations. It appears that outside support is important to resolution and nonviolent relationships. Employment that is home-based isolates women and may not be useful as a resource for achieving resolution. Groups need to focus on capacity-building.     

Microfinance,wage employment and housework: a gender analysis

This paper examines the loan-use pattern of women involved in wage employment and their benefits from such loans in Bangladesh. The effects of wage employment on gender relations and how these women balance loan use, wage employment, and housework were also explored. The study was conducted among women enrolled in the Ayesha Abed Foundation (AAF) of the Bangladesh Rural Advancement Committee (BRAC) in Jamalpur district, central Bangladesh. The AAF was established to generate employment and income for poor rural women. Data were gathered through survey, interviews, and focus-group discussions. Findings revealed that women wage earners avail themselves of the BRAC loans for consumption, asset accumulation, land purchase, and other productive purposes. About 53% of their loans were used by others and only 34 out of 341 women in the sample actually used the loans themselves. The loans were repaid by sewing or subsistence work, mainly in the subcenters (52%), through income from rickshaw pulling by their husbands (24%), and by selling vegetables, eggs, or milk. Furthermore, findings showed that the household work of women wage earners is generally taken up by other women in the family and has resulted in more men taking part in household responsibilities. In conclusion, wage employment plays an important factor in the promotion of the economic and social empowerment of women. Economic empowerment is observed in the greater degree of control women have over the money they earn. Social empowerment is manifested in the expanding mobility of women, whereby they are able to interact with other women and generate support systems.     

Trading and trade-offs: Women's livelihoods in Gorno-Badakhshan,Tajikistan

This paper is based on a small micro-level study carried out to assess the impact of recent socio-economic changes in Tajikistan on the livelihoods and well-being of women in Gorno-Badakhshan. It examines the recent involvement of women in trading and informal economic activity with a focus on the trade-offs that women have faced as a result. It argues that the shift towards a market economy in a depressed economic environment has resulted in increasing socio-economic differentiation, insecure livelihoods, and declining social capital. Women's involvement in trading, along with the withdrawal of the state from basic social services, has increased women's workload. Women's participation in the political sphere is declining from an already low base. Increasing material poverty and multiple roles and responsibilities have made it difficult for women to take up opportunities for public participation, even at a local level. The article concludes that there are structural barriers to reducing poverty in Gorno-Badakhshan and raises questions about the possibilities for disadvantaged groups and regions to benefit from a strongly market-based development paradigm.     

Empowering and shaping gender relations? Contesting the microfinance–gender empowerment discourse

This article critically examines the role of microfinance in shaping gender relations and empowerment outcomes for women. One aim of advancing credit to women is to empower them, thereby increasing their bargaining power and challenging existing gender subordination. We caution against this view and instead show that the mainstream argument is much more complex than what the popular rhetoric preaches. We argue that lack of a systematic strategy to incorporate men and the wider socio-cultural dynamics within which women are domiciled radically constrain the empowerment potential of microcredit programmes, and in some contexts may lead to unintended consequences for women.     

Women and conflict transformation: Influences,roles, and experiences

At first glance it would appear that despite women's vital participation in peace-making processes, they are for the most part marginalised or belittled. However, moving away from the idea of women as outsiders and/or victims, we find evidence of their involvement in projects initiated and driven by them and/or in activities in which they work in equal roles alongside men. Many women in conflict areas are advocating and working effectively with approaches to lasting positive peace that transcend traditional male-dominated structures and ideologies. Large numbers of ordinary women, men, and children are working mostly behind the scenes to achieve justice and equality. Women are very much involved but get far less recognition than men. The scale and diversity of largely unacknowledged but effective grassroots peace efforts worldwide, particularly among women, requires much greater recognition by the international community. This article is based on a research project that uses an oral testimony approach and a multicultural perspective to give voice to women working in the field in a wide range of transformational processes.     

Women,work, and wage equity in agricultural labour in Saiss,Morocco

This article documents wages and working conditions for landless female and male agricultural labourers in Morocco. We found that higher-paid, equipment-intensive tasks were predominantly assigned to men, whereas women often performed lower-paid, time-intensive tasks. Women were systematically paid less than men even when they performed the same tasks. Enforcing existing legislation in Morocco to ensure equal pay for women is an essential first step towards enabling women to benefit equitably with men from their agricultural labour contributions. A revalorisation of the importance of agriculture is also necessary so that agricultural labour is not perceived as an occupation of last resort.     

Memory,suffering, survival tactics,and healing among Jopadhola women in post-war Uganda

This ethnographic case study addresses the question of how women in Jopadhola patriarchal society in Eastern Uganda remember three decades of civil war and violence and survived its aftermath. When the war ended, little changed for these women, who are still exposed to a continuum of gender-based violence and continue to use the same tactics that, during the war, enabled them somehow to live with their suffering. Local NGOs, with the support of the government, have started to assist Jopadhola women to improve the quality of their present-day lives. By rebuilding their human and social capital, these NGOs are also creating the space for women to heal their war memories.     

Domestic violence,deportation, and women's resistance: notes on managing inter-sectionality

This article describes the work of Southall Black Sisters (SBS), a small women's group in London that engages in political lobbying, activism, and case work, largely with Asian women immigrants seeking an escape from domestic violence. The strategies that SBS uses include: maintaining a strong link between its case work and the larger policy and social practices that make it difficult for women to counter domestic violence effectively; challenging multiple forms of oppression (based on gender, race, ethnicity, and the patriarchy) simultaneously; and networking with a range of other organizations to accomplish specific tasks. Thus, SBS's work for social change challenges the following: the prevailing culture that permits violence against women to be endemic; the construction and delivery of services to abused women that fail to meet the needs of Asian immigrants with little command of English; and the overriding legal and policy context. In particular, SBS clients face difficulties because the UK's immigration rules require incoming spouses to remain married for a year in order to stay in the country. During this period, incoming spouses are denied the very welfare benefits that provide funding for abused women in shelters. SBS case work includes counseling, arranging accommodations, finding legal counsel, and supporting clients through legal processes. SBS draws on its case work to inform its lobbying and to give a voice to victims of domestic violence.     

Military reform and strategic nuclear forces of the Russian federation

Russian Minister of Defense Marshal Igor Sergeyev has proposed merging the Strategic Rocket Forces and strategic nuclear components of the Navy and Air Force. Advocates of the proposed reform invoke Russia's need to increase its reliance on nuclear weapons in view of the decline in its conventional forces, as well as the potential savings from the merger. Critics of the plan view it as favoring the Strategic Rocket Forces at the expense of the rest of the military, and as prohibitively expensive. The NATO campaign in Kosovo has made Marshal Sergey ev vulnerable to criticism for emphasizing nuclear forces over conventional ones, and the plan has been put on hold.