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.     

Microfinance and women's empowerment: an ethnographic inquiry

Within the last two decades microfinance has been widely adopted as one of the best development strategies to reduce poverty and empower women in many developing countries. Drawing on ethnographic research undertaken in Ethiopia, this article elucidates the complexities of microfinance processes, and argues that current microfinance practice does not facilitate the participation of women in decision-making over the use and management of loans as well as the income they generate from running small enterprises. The article illustrates that women are engaged in running small-scale economic activities at home that produce low returns, and they have limited access to lucrative markets. It also demonstrates that due to a discriminatory household division of labour, women are overworked in their households and in their enterprises. Through engaging in a mode of representation (ethnography) that allows specific critical voices to be heard, the article contributes toward tempering the current enthusiasm for the widely expanding microfinance industry.     

Impact assessment: Seeing the wood and the trees

This paper summarises the results of a joint action-research project undertaken by a number of international and local NGOs, which involved case studies in four countries in Africa, three in South Asia, one in Latin America, and one in the UK. The paper seeks to situate the discussion of impact assessment in the context of a growing critique of international NGOs. Overall, it is suggested that simple models of cause and effect which link project inputs to outputs and impact, although important, are usually inadequate for assessing the impact of what NGOs do. Instead, the author recommends the need to develop models that embrace the wider context of influences and change processes that surrounds projects and programmes, and the broad-ranging impacts that result. A major conclusion to emerge from the case studies is that the ability to select a judicious mix, and sequence, of tools and methods for impact assessment is vital. The paper concludes by looking at the broader policy implications of the studies notably in relation to: dealing with the problems of attribution and aggregation; exploring the issue of poverty reach and gender relations; warning against simplistic use of impact assessment to allocate resources; and in suggesting how impact assessment can be part of a 'virtuous circle' of change that can help promote greater accountability and learning among international NGOs.     

Women's empowerment and micro-finance programmes: strategies for increasing impact

This study summarizes findings from a pilot project that distributed information and ran workshops in Ethiopia, Ghana, and India, on women's empowerment and microfinance. The project was funded by the British Small Enterprise Development Fund of the Department of International Development. Links between microfinance and women's empowerment are viewed as optimistic, limited by design, cost effective in eliminating poverty, and a misplaced diversion of resources. Microfinance programs range from small scale self-help groups to large poverty-targeted banks. One model may vary in delivery, group functions and structures, and complementary services. This project identified 3 contrasting approaches to microfinance and women's empowerment: the financial sustainability approach, the integrated community development approach, and the feminist empowerment approach. However, program evaluations revealed the need to question the assumptions underlying all 3 approaches. In most programs, women benefited to a limited degree. Many women did not control the loan use. Most women were engaged in low paid, traditionally female activities, and increases in income were small. Resources and time invested in economic activity were limited by responsibility for household consumption and unpaid domestic work. Microfinance programs sometimes created domestic tension between spouses and loss of spousal income and support. Group repayment pressures sometimes created pressures between women. Many women focused on personal rather than social objectives. The author proposes a gender strategy for microfinance and sets priorities for further research.     

Microfinance and women's empowerment: A lesson from India

This article describes an NGO project intended to empower scheduled caste women working in the silk-reeling industry in India through the provision of microfinance. It documents the impact that the project had on their economic and social status over a period of time and highlights the negative consequences of excluding male relatives from playing any meaningful role. It suggests ways in which the project might have been made more male inclusive while still empowering women. At the same time, it acknowledges that even if the men's hostility to the project had been overcome, the women's micro enterprises were unlikely to have been viable commercially. This is because the project insisted that the women operate as a group in what was a high-risk area of economic activity, with no clear strategy as to how their work could be sustained.     

An exploration of the financial practices of tribal communities in Jhabua,India

Tribal communities of India have been facing financial challenges for many years, and these have increased alongside commercialisation led by industrialisation. The major reason for this is that tribal communities are neglected by the state, which has had a negative impact on their livelihoods and financial status. The state has made some attempts to promote these communities, but these have been unsuccessful. Against this background, this article explores the financial practices of tribal communities in Jhabua district of Madhya Pradesh, India and presents a microfinance model which could be suitable in the Jhabua context.     

Women's groups for whom? The colonisation of women's groups in Papua New Guinea

This paper explores the issues concerning women's groups in the context of women's network in Papua New Guinea (PNG) and from an association with such a network in West New Britain province. The women's groups in PNG often came into existence under the influence of colonial rule and as an adjunct to the Church. Some 20 years later, their vulnerability to colonization by other development factors--whether the state, the donor agency, or the beneficiaries--remains an issue for these groups because of their ambiguity of function and purpose. Despite this ambiguity, and in spite of the women subsuming a passive role in the face of the state and the donor, the women themselves have their own individual strategies for accumulating symbolic as well as real resources. However, the strategy is only open to a handful of women, whose position in society depends on the fact that prevailing patriarchal gender relations are continued. In addition, it is suggested that by simply existing, women's groups in PNG have continued to aid and abet the masculine tradition within the provincial and district governments.     

Gender relations,authoritarianism and democratization in Chile

This article takes Chile as a case study to examine how the women's movement, the non‐governmental sector and the state have worked together to design policies for the prevention of domestic violence, and to transform the culture of authoritarianism which remains an integral part of gender relations within the state and in society. It conceptualizes the linkages between gender relations, authoritarianism and violence, examines how violence against women became a prominent issue during the transition to democracy, and shows that women's organizations have made significant advances in Chile as elsewhere in Latin America, by framing legislation on violence against women within the context of women's human rights. The study indicates that collaboration between the state, women's organizations and the police force can provide a window of opportunity to promote a democratic culture within the state and society.     

Fused in combat: Gender relations and armed conflict

Do gender relations change through conflict? How might conflict itself be fuelled by aspects of gender identity? A recently completed research project that combined oral testimony with more conventional research methods concluded that conflict has undoubtedly given women greater responsibilities, and with them the possibility of exerting greater leverage in decision making and increasing their political participation. The research sheds light on the role of ordinary citizens as 'actors' responding to crisis, and describes how gender identities are woven into a complex web of cause and effect in which war can be seen as a 'conflict of patriarchies'.     

Too Bad for the Women or Does It Have to Be? Gender and Negotiation Research over the Past Twenty‐Five Years

One overriding question that scholars have addressed over the past twenty‐five years is: are women the same or different from men when it comes to negotiating and what might explain these differences? The inquiry has shifted and has become more nuanced over time, but in its essence the issue of individual difference still dominates much of our thinking and research on the topic. The purpose of this article is to provide a structured overview of this considerable literature on gender and negotiation as it has evolved over the past twenty‐five years. In doing this, the article highlights how the social construction of gender has generally changed the discourse from essentialist concepts of differences between men and women to seeing gender as a more complex and shifting dimension of individual identity that is shaped by the contexts in which negotiation occurs. The second purpose of this article is to consider how recent feminist perspectives on gender, which have shifted from viewing gender as a property of individuals to considering the role of institutionalized social practices that sustain gender differences and inequities, can be incorporated into our understanding of gender relations in negotiation theory, practice, and research.     

Analysing changing gender relations: methodological challenges for gender planning

This paper is a starting point for a research project which will try to develop practical methods for analyzing changes in gender relations to inform policy research in improving the storage, processing, and marketing of crops in sub-Saharan Africa. While the research project will focus upon the crop post-harvest sector, many concerns raised in this study are relevant to a wide range of development interventions. This paper is based upon existing literature and offers no new empirical findings. Major conceptual advances in thinking about gender relations suggest the need to reassess conventional gender analyses in the context of development interventions. Evidence from development practice supports the argument that targeting can be undermined by processes of gendered bargaining around project interventions. Academic research points to key problems and potential methods for viewing changes in gender relations which may be adapted to project contexts. Existing gender planning frameworks focus upon shifts in gender relations, but also need to address the process by which gender relations are renegotiated if they are to inform better planning, monitoring, and evaluation.     

Microfinance and social capital: Does social capital help create good practice?

The role of organising and disseminating knowledge as a global public good has become a major preoccupation of international development organisations. One area in which they are particularly active is support for microfinance programmes in developing countries. More recently, the microfinance 'best practices' deposited in, and disseminated by, these international organisations have been associated with social capital. This paper examines the ways in which the notion of social capital is employed to explain the success of microfinance programmes. It argues that various types of social interactions that are generated around successful microfinance operations are randomly called 'social capital'. This means that the presence of social capital does not tell us much about what sort of microfinance programmes, in terms of design and implementation, should be regarded as good practice.     

Participatory gender-responsive monitoring of women land rights: empowering and smart

This viewpoint argues that a genuine participatory approach to defining a theory of change and outcome indicators of enhanced women land and property rights is essential to include the standpoint of women and men who are directly involved, and to acknowledge their power to frame the change and solutions they envision. Moreover, outcomes and outcome indicators defined by women and men who are targeted by women rights interventions typically better distinguish outcomes to be reached among women, among men, and in terms of gender relations, are more concrete and easier to measure.     

‘I'm glad I'm not a Saudi woman’: the First Gulf War and US encounters with Saudi gender relations

On 6 November 1990, nearly 50 Saudi women staged a protest against the ban on women operating motor vehicles in Saudi Arabia. Occurring in the midst of the First Gulf War, the women's protest was a political statement about the harsh restrictions placed on women in the Middle Eastern country which both reflected and influenced Saudi society’s encounter with their American allies during the war. When United States (US) military personnel flooded into Saudi Arabia during the war, they were shocked at the way American servicewomen were treated by their Saudi allies and the second-class status of Saudi women throughout the country. This article explores Americans' reactions to their encounter with Saudi gender relations during the war and argues that the poor treatment of women in Saudi Arabia—which Americans dubbed ‘gender apartheid’—caused many Americans to question the longstanding US alliance with the conservative Muslim country. In doing so, US journalists, military personnel, scholars and the general public began to demand that concern about women's rights should be integrated seriously into US foreign policy towards the Muslim world.     

Shea butter: connecting rural Burkinabè women to international markets through fair trade

Processed by rural West African women and desired by wealthy Northern consumers of natural beauty products, shea butter seems a prime candidate for fair trade, yet to date there has been little study of the industry. This article analyses the opportunities and constraints of the development of fair-trade exports of shea butter from Burkina Faso, taking into account the context in which shea is produced and sold locally and internationally, the concept of fair trade, and the impact of gender relations on shea production. Although a definitive positive or negative determination cannot be made, given the complex and divergent factors affecting the potential international market and the production process, the author finds that the development of the fair-trade shea butter industry in Burkina Faso has great potential. However, such development must occur with restraint and consideration of possible challenges and limitations, in order to remain sustainable and viable for rural female producers.     

State control of civil society organizations: the case of Turkey

Over the past few decades there has been a great deal of interest in the academic literature on the relationship between civil society organizations (CSOs) and the state, and the impact of state power on CSOs in the Middle East North Africa (MENA) region. Yet, despite this interest, very few detailed empirical explorations of these issues have been conducted to date. Of the detailed empirical work that does exist, none has focused on state–CSO relations in a democratic context in the MENA. This paper contributes to filling this gap by examining these relations and their implications in the Turkish context. More specifically, this paper explores the democratizing role of independent women’s organizations in Turkey and the ways in which the state has sought to exert power over and control these organizations. The methodology consists of a series of 38 in-depth interviews with both registered and unregistered women’s organizations from across the seven administrative regions of Turkey. The findings show that while CSOs do challenge the state in some regards, the state is by far the more powerful actor and very effective at moderating and de-radicalizing civil society. The state does this by controlling the areas in which CSOs can operate and be effective, and through the use of repressive measures. The results show that thease measures have the effect of tempering the demands of CSOs and reducing their capacity to challenge and counterbalance state power.     

Feminist international relations and women militants: case studies from Sri Lanka and Kashmir

This paper presents women's militant activities outside the binary framework of ‘victimhood’ and ‘agency’ and invokes postmodern feminist international relations analyses to engage with women's material and ideological contribution to militant activities and political violence. Women who support and indulge in both discriminate and indiscriminate violence against institutions of the state and unarmed civilians not only redefine notions of nationalism, gender and religious identity, but also highlight their complex and problematic relationship with feminism. To what extent does participating in militant activities and armed combat provide women with opportunities to transcend conventional gender roles? In other words, do they remain the ‘other’ within ‘the other’? How are militant women influenced by these political movements and how do they influence these movements? What happens when the ‘protected’ and ‘upheld’ become the ‘protectors’ and ‘upholders’? How does/should feminist international relations approach these militant women? I attempt to address these questions through a study of women militants and their constructions as gendered political subjects in Kashmir and Sri Lanka.     

Gender equality – whose agenda? Observations from Cameroon

The political project of gender equality in Africa has gained momentum and made many achievements. However, these have been largely confined to the ‘big’ women working in the public and private bureaucratic contexts in which there is a greater commitment to gender equality. It is argued that in the context of Cameroon, until these ‘bigger’ women renew their commitment to their grassroots sisters, the experience of gender equality will remain largely unequal. Only strong links between white-collar workers and less privileged women will span this chasm.     

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.     

"Women, Children and Other Vulnerable Groups": Gender, Strategic Frames and the Protection of Civilians as a Transnational Issue

This article offers an explanation for the use of gender essentialisms in transnational efforts to advocate for the protection of war-affected civilians. I question why human rights advocates would rely upon such essentialisms, since they arguably undermine the moral logic of the civilian immunity norm on which their normative claims are based. This can be understood, I argue, as part of a strategic framing process in which pre-existing cultural ideas, filtered through an environment characterized by various political constraints, impact the rhetorical strategies available to advocates. In-depth interviews with civilian protection advocates reveal that many believe that warring parties, the global media, transnational constituencies and partners in the international women's network will all be more receptive to their message if it is couched in terms of protecting "women and children" specifically. Network actors believe that while this may undermine the protection of adult male civilians and while it may reproduce harmful gender stereotypes, these problems are outweighed by the gains in access to needy populations and the benefits of getting "civilians" on the international agenda. I conclude by considering the extent to which this cost/benefit analysis is being contested and reconsidered by some actors within the civilian protection network.