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.     

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.     

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.     

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.     

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.     

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.     

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.     

Women's economic empowerment through microfinance in Cambodia

The use of microfinance to enhance income generation and job opportunities among the poor is a popular tool for governments and non-governmental organisations involved in raising standards of living in developing countries. Providing very poor families with small loans to invest in their micro enterprises, Village Bank empowers them to create their own jobs, increase their incomes, and increase their families' well-being. As women are more likely to spend the majority of their personal incomes on improving the family situation, this economic empowerment greatly benefits their children, who are generally more likely to attend school and have better nutrition.

Autonomisation économique des femmes à travers le microfinancement au Cambodge

L'utilisation du microfinancement pour améliorer la génération de revenus et les possibilités de travailler parmi les pauvres est un outil puissant pour les gouvernements et les organisations non gouvernementales qui tentent d'améliorer le niveau de vie dans les pays en développement. Les Banques villageoises, en fournissant aux familles pauvres des prêts destinés à être investis dans des microentreprises, confèrent à ces familles les moyens de créer leurs propres emplois, d'accroître leurs revenus et d'améliorer leur bien-être. Comme les femmes sont plus susceptibles de consacrer la majeure partie de leurs revenus personnels à améliorer la situation de la famille, cette autonomisation économique profite considérablement à leurs enfants, lesquels ont ainsi généralement plus de chances d'être scolarisés et mieux nourris.

Empoderamento econômico das mulheres através de microfinanças no Camboja

O uso de microfinanças para aumentar a geração de renda e oportunidades de trabalho entre os pobres é uma ferramenta popular para governos e organizações não-governamentais envolvidos em elevar os padrões de vida nos países em desenvolvimento. Oferecendo a famílias muito pobres pequenos empréstimos para que invistam em suas microempresas, o Village Bank as empodera para criar seus próprios empregos, aumentar suas rendas e intensificar o bem-estar de suas famílias. Como é mais provável que as mulheres gastem a maioria de suas rendas pessoais para melhorar a situação da família, este empoderamento econômico beneficia imensamente seus filhos pois, em geral, é mais provável que eles frequentem a escola e tenham uma melhor nutrição.

El empoderamiento económico de la mujer mediante microfinanzas en Camboya

Las microfinanzas son un mecanismo muy utilizado por los gobiernos y las organizaciones no gubernamentales para elevar los niveles de vida en los países en desarrollo dado que estimulan la generación de ingresos y crean más oportunidades de empleo entre los pobres. A través de pequeños préstamos para la inversión en microempresas, el Banco Village ofrece la posibilidad de que las familias más pobres generen sus propios empleos, aumenten sus ingresos y eleven su nivel de bienestar. Dado que son las mujeres las que invierten la mayor parte de sus ingresos personales en mejorar la situación de sus familias, su empoderamiento económico aporta grandes beneficios para los hijos, quienes en general tienen niveles más elevados de asistencia escolar y de nutrición.     

Benefits and challenges of micro-enterprise participation: women's cottage industry in Kaimosi,Kenya

This article investigates the perspectives of Kenyan women in the Kaimosi cottage industry regarding the benefits and challenges of producing craft commodities for the global marketplace. Utilising qualitative methods, the research provides an understanding of issues the women faced in producing and marketing goods and offers insights for NGOs into some pitfalls for the sustainability of micro-enterprises. The women asserted that participation in the micro-enterprise had improved their family's economic well-being, helped finance their children's education, and improved their community status. This supports the literature that has found that women's involvement in micro-enterprises reduces poverty and improves well-being.     

Determinants of people's participation: a study of rural West Bengal,India

This article considers the determinants of people's participation in local level decision-making spaces in rural West Bengal, India. It defines participation from the perspectives of attending meetings, raising issues, making complaints, and making contributions. The results from a sampled household survey in East Midnapore district of West Bengal indicate that better awareness, increase in land holdings, organisational membership, and political affiliation tend to improve participation. Households showing livelihood dependency and entitlement, and belonging to socially and economically weaker sections are more likely to participate. However, the results point towards the possibility of ‘elite capture’ and ‘clientelism’ in participatory spaces.     

Community grain banks and food security of the tribal poor in India

Given the context of failure of many of the programmes aimed at providing food security for tribal communities, this paper deals with the question, can grassroots-level experiments like community grain banks provide food security for the tribal poor? This paper examines the working of community grain banks established by Bapuji Rural Development and Enlightenment Society (BREDS) in India and concludes that community food grain banks demonstrate as an effective mechanism to ensure food security for the tribal poor, especially those who were excluded from the reach of government programmes.

Banques de céréales communautés et sécurité alimentaire des pauvres tribaux en Inde

Étant donné le contexte d’échec de nombre des programmes visant à assurer la sécurité alimentaire des communautés tribales, cet article traite de la question suivante : les expériences au niveau de la base populaire comme les banques de céréales communautaires peuvent-elles assurer la sécurité alimentaire des pauvres tribaux ? Cet article examine le fonctionnement des banques de céréales communautaires établies par la Bapuji Rural Development and Enlightenment Society (BREDS) en Inde et conclut que les banques de céréales alimentaires se révèlent être un mécanisme efficace pour garantir la sécurité alimentaire des pauvres tribaux, en particulier ceux qui ont été exclus de la portée des programmes gouvernementaux.

Bancos comunitarios de granos y seguridad alimentaria de las etnias pobres de India

Tomando en cuenta el contexto de fracaso de muchos programas dirigidos a proporcionar seguridad alimentaria a las comunidades étnicas, el presente artículo plantea la interrogante en torno a si experimentos realizados a nivel de base, como los bancos comunitarios de granos, ofrecen seguridad alimentaria a las etnias pobres. En este sentido, el artículo examina el desarrollo de los bancos comunitarios de granos establecidos por la Sociedad para el Desarrollo y la Iluminación Rural de Bapuji (breds) en India. Las conclusiones indican que dichos bancos constituyen un mecanismo efectivo para garantizar la seguridad alimentaria de las etnias pobres, especialmente de aquellas que habían sido excluidas del alcance de los programas gubernamentales.

Bancos comunitários de grãos e segurança alimentar de comunidades tribais pobres na Índia

Dado o contexto do fracasso de muitos dos programas destinados a oferecer segurança alimentar para as comunidades tribais, este artigo lida com a seguinte questão: experimentos de base, como os bancos comunitários de grãos, fornecem segurança alimentar para as comunidades tribais pobres? Este artigo examina o funcionamento de bancos comunitários de grãos criados pela Bapuji Rural Development and Enlightenment Society (BREDS) na Índia e conclui que os bancos comunitários de grãos de alimentos mostram ser um mecanismo eficiente para garantir a segurança alimentar para as comunidades tribais pobres, especialmente para aquelas que estavam fora do alcance de programas governamentais.     

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.     

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.     

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.     

The role of self-help groups in empowering disabled women: a case study in Kathmandu Valley,Nepal

The literature on self-help groups (SHGs) shows a mixed record on empowering women both economically and socially, while the literature on Women with Disabilities (WWDs) highlights the problems of isolation that exacerbate their disadvantages. This article, asking whether SHGs can empower WWDs, is based on a study conducted in Kathmandu Valley, Nepal. It concludes that being an SHG member is useful for gaining employment that leads to better recognition in the family and society. However, employment opportunities and organisational experiences mean that the benefits are not equally shared among all members.     

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.     

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.     

Co-producing a post-trafficking agenda: collaborating on transforming citizenship in Nepal

This article discusses how a new agenda on post-trafficking is gaining momentum through academic and activist anti-trafficking collaborations focused on co-producing knowledge with women who have returned from trafficking situations. Co-production of this nature is important as the issues raised by post-trafficking scenarios are largely ignored in anti-trafficking strategies, and the stigmatisation and poverty which women in these circumstances encounter means they rarely have a voice in policy-making. Drawing on research in Nepal, we present four types of co-produced data around transforming citizenship post-trafficking, and reflect on the strategies for generating and using them for advocacy purposes.     

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.     

Social capital,household income,and community development in Bhutan: a case study of a dairy cooperative

Using a case of a dairy cooperative in Bhutan, this study investigates how social capital enhances individual household income and community development in rural areas. It also examines the influence of cooperatives in social capital formation. The study finds that social capital facilitates households that are resource-constrained by working together to reduce costs through economies of scale, enhancing information accessibility, building confidence, and strengthening teamwork. It fosters not only an improvement in the livelihoods of cooperative members, but also provides a positive influence for non-members and the community as a whole. The study also reveals that cooperatives influence formation of three forms of bonding, bridging, and linking social capitals. While bonding social capital facilitates strong teamwork among the members, bridging and linking social capitals connect the cooperatives with the outside networks and provides them more opportunities and services for its sustainability.