Microcredit and power: examining how and why women encounter domination in Bangladesh

Using data from a recent ethnographic research project on microcredit, power, and poverty in the Chittagong Hill Tracts in Bangladesh, this article demonstrates that the relationship of women with both NGOs and male relatives is one of dependency and subordination. Gendered power relations, embedded in NGO practices and socio-cultural gender norms, influence the female borrowers to accept the domination of the fieldworkers and their male relatives. This article examines how and why NGOs create power inequalities between fieldworkers and female borrowers, why the fieldworkers dominate a group of women, and why these women continue to participate in microcredit programmes.     

Sen’s capability approach and microcredit: lessons from a Malaysian case

This article examines a case study from Malaysia, the Credit Union Malaysia, to illustrate how the capability framework and institutions have practical value within the scope of microcredit, and how the constraints that the disadvantaged face can be relaxed through the use of microcredit. The capability approach provides an analytical framework to describe how a microcredit scheme can overcome the problems posed by conversion factors in order to enlarge the space of capabilities available to individuals.     

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.     

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.     

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.     

Microcredit and development: a multi-level examination of women’s participation in microfinance institutions

International organisations promote microcredit as a tool for socio-economic development by targeting women’s entrepreneurial capabilities. There is limited research, however, on the variation in women’s participation in microcredit in developing nations. To understand this variation, this article examines the relationship between a country’s gender equality levels and women’s microcredit participation. The results indicate that participation is higher when loans are small; however, with increases in gender equality levels, participation decreases. Women in countries with higher gender inequality are limited to very small loans and questionable economic improvements, suggesting that microcredit needs to be utilised contextually to be an effective developmental tool.     

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.     

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.     

Exploring host perspectives towards younger international development volunteers

Research on international development volunteering has increased significantly in recent decades, but there is a need for greater depth of understanding in relation to host communities. This article examines the impact of younger volunteers from the perspectives of host community members, evaluating the positive and negative aspects in working with young people from the “UniVol” programme of Volunteer Service Abroad, New Zealand. It argues that further insights into host community experiences can play a key role in enhancing youth IDV volunteering, creating assignments that are more beneficial for hosts, and moving away from neo-liberal “volunteer-centric” youth volunteering.     

Challenges of research in rural poverty: lessons from large field surveys

This practical note highlights lessons learnt during the data collection of two large field surveys as part of the ongoing “Sindh Union Council and Economic Strengthening Support” (SUCCESS) programme in southern Pakistan. The experience is discussed in terms of language barriers, the educational status of households, dealing with people’s expectations and non-cooperation, and the weather conditions. The note also highlights the practice of public sharing of data in real-time to improve the design and implementation of future surveys, especially those measuring poverty and quality of life.     

Micro-enterprise development initiatives and entrepreneurial competencies,innovativeness, and social capital in Malaysia

This article examines the effect of participation in development programmes designed for women micro-entrepreneurs on the development of entrepreneurial competencies, innovativeness, and social capital. The study employed a cross-sectional design and quasi-experimental approach, and collected data from 417 women micro-entrepreneurs in Malaysia. Findings reveal that the participants possess a significantly higher level of social capital, innovativeness, and entrepreneurial competencies. Development organisations should therefore focus on redesigning their policies and programmes to improve the breadth and depth of the development programmes that they offer, which ultimately lead to an improvement in the social-economic condition of low-income households in Malaysia.     

Building civil society in Lao PDR: the Decree on Associations

Since 2006, international organisations in Lao PDR have worked closely with local actors in order to foster the creation of an enabling environment for civil society. By conceiving of civil society development as a system involving a number of closely-connected actors and levels, international actors have been able to contribute to both the adoption of a Decree on Associations, which for the first time in Lao history regulates the civil society sector, and to the organisational strengthening of the few existing domestic organisations. This paper evaluates the impact of international actors' initiatives and assesses civil society's prospects for engaging in human rights work.     

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.     

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.     

Insight on the evolution and distinction of inclusive growth

This article develops a new pragmatic approach in delineating inclusive growth, covering two issues. First, it records the chronological evolution of inclusive growth; second, it details the distinction between broad-based growth and pro-poor growth, and inclusive growth. The article aims to highlight the objectivity of inclusiveness, which is distinctly different than broad-based growth and pro-poor growth. The research concentrates on salient issues like growth, poverty, and inequality, identifies a distinct variation between broad-based growth/pro-poor growth and inclusive growth, and establishes the exclusivity of inclusive growth.     

Community rehabilitation workers as catalysts for disability: inclusive youth development through service learning

This paper explores access to health and education for disabled youth in sites with and without community rehabilitation workers (CRWs). A cross-sectional survey using a structured questionnaire was undertaken in nine sites in South Africa, and a snowball sample of 523 disabled youths of both sexes, aged between 18 and 35 years, was selected. The survey found that a significantly larger proportion of disabled youth living in sites with CRWs were seen by health care workers at home, and that there was a large difference in educational access between sites with and without CRWs. CRWs are well positioned to promote equal citizenship for disabled youth through service learning with occupational therapy final year students to improve access to health and education, so that barriers to their participation in economic development are removed.     

Management not models: adaptability,responsiveness, and a few lessons from football

Despite a swathe of critiques of logframes and other blueprint approaches to development over the last 30 years, most aid infrastructure continues to concentrate on the design and subsequent implementation of closed models. This article does not propose an alternative to blueprints, but challenges the inflexibility of their implementation, which is inadequate given the complex nature of social change. It proposes a supplementary management and learning approach which enables implementers to be dynamic, adaptive, and responsive to problems and opportunities. Emphasising the role of donors, the paper presents a case study of one donor-led programme in Bangladesh doing just this.     

Promoting inclusive development in Ghana: disabled people’s and other stakeholders’ perspectives

This article highlights barriers to inclusive development from the perspective of disabled people, as well as staff of NGOs and government agencies. A qualitative study was conducted between August 2011 and September 2012, and in September 2013, in rural and urban areas in Greater Accra and Eastern regions in Ghana. The research shows that inaccessible public infrastructure and services, negative attitudes of service providers, little political will, limited capacity of development agencies, and lack of multi-agency coordination in the disability development sector were barriers to disabled people’s inclusion and participation in development processes.     

Expensive English: an accessible language approach for Papua New Guinea agricultural development

Language used in capacity development programmes is usually that of the donor country, often English. However, research shows that the language used can be detrimental to the success of the programme. Little attention has been given to the issue of language, yet it is important that programme participants fully understand the capacity development programme’s concepts to ensure that the programme achieves its full potential. This article explores an accessible language approach to a Papua New Guinea development programme. Arguments are based on an in-country research project designed to provide women and men with deeper understanding of gender equity.