micro finance women empowerment

thought its proud to say that micro finance is empowering women....its shame on micro finance people to harass women in some parts of andhra pradesh
 
If micro-finance programmes are to fulfill women very significant potential, evidence indicates there is a need to rethink current 'Best Practice' to ensure that women have equal access to all types of financial services
 
Microfinance programs have been increasingly promoted in India for their positive economic impact and the belief that they empower women. Within the South Asian context, women empowerment is a process in which women challenge the existing norms and culture, to effectively improve their well-being. The article investigates the impact of microfinance on women’s empowerment, using 2000 and 2003 Indian household survey data.
 
Naila Kabeer defines women’s empowerment as the process by which those who have been denied the ability to make strategic life choices acquire such ability. This ability to exercise choices incorporates three inter-related dimensions: resources which include access to and future claims to both material and social resources; agency which includes the process of decision-making, negotiation, deception and manipulation; and achievements that are the well-being outcomes.
 
The recent case of SKS Microfinance has exposed the micro-finance industry and raised quite a few questions on their operations,ethics,etc.
While it may definitely have had a positive impact,it is important to cross-check on the other-side too.
Recently,a business daily had reported NABARD being the possible regulator.
 
in micro finance ,discipline is important, SHGs should not borrow from multiple MFIs. The problem starts ,when they borrow from multiple MFIs with their limited repayment capacity.
 
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