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.