Access to Finance and the Role of Microfinance for Women Entrepreneurs in Pakistan - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Access to Finance and the Role of Microfinance for Women Entrepreneurs in Pakistan write by Samia Mahmood. This book was released on 2013. Access to Finance and the Role of Microfinance for Women Entrepreneurs in Pakistan available in PDF, EPUB and Kindle.
Are Pakistan's Women Entrepreneurs Being Served by the Microfinance Sector?
Are Pakistan's Women Entrepreneurs Being Served by the Microfinance Sector? - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Are Pakistan's Women Entrepreneurs Being Served by the Microfinance Sector? write by Mehnaz Safavian. This book was released on 2013-07-19. Are Pakistan's Women Entrepreneurs Being Served by the Microfinance Sector? available in PDF, EPUB and Kindle. Financial services are important for women who are starting and growing a business, but in Pakistan microfinance providers (MFPs) are not reaching Pakistan’s businesswomen. Only 59 percent of microfinance clients are women, yet the majority of these loans are passed on the male members of the household – husbands, fathers, and sons. The practice of passing on loans to male household members is quite widespread; women may be bearing all the transaction costs and risks of accessing loans, but are not the final beneficiaries. Second, a very low proportion of female microfinance clients are entrepreneurs. The report explores why businesswomen in Pakistan may not be using microfinance products to meet their start-up and working capital requirements, in spite of identifying access to finance as a key constraint to their business operations. Against this backdrop, access to finance remains the biggest challenge for a woman who wants to start or grow a business. Yet less than a quarter of the entrepreneurs identified through business development service providers were currently borrowing from microfinance lenders. Even among those entrepreneurs that borrow, dissatisfaction is high. Why? Women borrower-entrepreneurs are not able to access individual loan products, but instead are consistently relegated to group lending. But group loans are very costly for a woman who is running a business, and the loans are too small to fulfill working capital needs. Businesswomen are rarely given the opportunity to access individual loan products, which are usually offered exclusively to male borrowers, and women are not given opportunities to graduate from group loans to individual loans over time. Lending practices often are discriminatory, requiring husbands’ permission, male guarantors, and unmarried women are rarely considered as potential clients. Although MFIs understand that women’s inclusion is integral to the objectives of microfinance, the practice of passing on loans raises serious issues about consumer protection for women clients, and the best and most effective solutions to these challenges could and should come from the sector itself. Designing better products that reach the needs of emerging women entrepreneurs could prove to be good business, achieving double bottom-line objectives. Investing in financial literacy and education of both men and women borrowers can help curb the demand for pass-through loans and help lower risks associated with deceptive practices.
Bringing Finance to Pakistan's Poor
Bringing Finance to Pakistan's Poor - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Bringing Finance to Pakistan's Poor write by Tatiana Nenova. This book was released on 2009-11-13. Bringing Finance to Pakistan's Poor available in PDF, EPUB and Kindle. Although access to financing in Pakistan is expanding quickly, it is two to four times lower than regional benchmarks. Half of Pakistani adults, mostly women, do not engage with the financial system at all, and only 14 percent have access to formal services. Credit for small- and medium-size enterprises is rationed by the financial system. The formal microfinance sector reaches less than 2 percent of the poor, as opposed to more than 25 percent in neighboring countries. Yet it is the micro- and small businesses, along with remittances, that help families escape the poverty trap and participate in the economy. 'Bringing Finance to Pakistan s Poor' is based on a pioneering and comprehensive survey and dataset that measures the access to financial products by Pakistani households. The survey included 10,305 households in all areas of the country, excluding the tribal regions. The accompanying CD contains summary statistics. The authors develop a picture of access to and usage of financial services across the country and across different population groups, and they identify policy and regulatory priorities. Reform measures in Pakistan have been timely, but alone are not enough; financial institutions have lagged behind in adopting technology, segmenting customer bases, diversifying products, and simplifying processes and procedures. Gender bias and low levels of financial literacy remain barriers, as is geographical remoteness. However, the single strongest cause of low financial access is lack of income not location, education, or even gender. 'Bringing Finance to Pakistan s Poor' will be of great interest to readers working in the areas of business and finance, economic policy, gender and rural development, and microfinance.
Nepal and Pakistan : micro-finance and microenterprise development : their contribution to the economic empowerment of women
Nepal and Pakistan : micro-finance and microenterprise development : their contribution to the economic empowerment of women - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Nepal and Pakistan : micro-finance and microenterprise development : their contribution to the economic empowerment of women write by Maria Sabrina De Gobbi. This book was released on 2004. Nepal and Pakistan : micro-finance and microenterprise development : their contribution to the economic empowerment of women available in PDF, EPUB and Kindle. Extrait du résumé . "This paper presents the findings of two national surveys completed in Nepal and Pakistan on women entrepreneurs who are micro-finance clients. It documents and analyses the impact of micro-finance and microentreprise development on the economic and possible social empowerment of women in the two countries, highlighting differences and similarities. The main factors determining the level of women's economic and social empowerment in a country are its cultural and legal environment, and national policy on women's rights and poverty alleviation. Initiatives organized by micro-finace institutions for the provision of financial services and for policy and legal reform are key elements for achieving greater economic and social empowerment. This paper emphasizes the role of micro-finance and microentreprises development in improving the status of women entrepreneurs in Nepal and Pakistan. To state that this type of development can bring about a complete social change may be somewhat unrealistic. However, the fiindings reported show that micro-finace and microentreprises development may serve as a catalyst towrads social change and improve the political and social status of women."
Women's Entrepreneurship and Microfinance
Women's Entrepreneurship and Microfinance - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Women's Entrepreneurship and Microfinance write by Chiranjib Neogi. This book was released on 2018-03-06. Women's Entrepreneurship and Microfinance available in PDF, EPUB and Kindle. This book offers a critical perspective on the issues related to women’s empowerment, microfinance, and entrepreneurship in India. Written by distinguishing experts in this field, this book highlights women’s empowerment, which is a process of entrusting power to an individual on the control over resources and decisions. However, these two factors are less effective in a society where religion and cultural dominance is high. The book sheds light on the social security measures undertaken by the government aiming to the right to work helped women who are bounded by social restrictions. Over time there is a shift in rural occupational structure towards non-farm activities, which is largely distress driven self-employment. Access to credit is a great source to provide self-employment that develops self-esteem among women and uplift their position. The book highlights the discrimination against women entrepreneurs in access to credit led to gender biased entrepreneurial society. Association with self-help groups (SHGs) has made women more socially empowered. SHG members help them to change their life in a positive manner through micro-entrepreneurial activities. The book has emphasized on the role of microfinance, which has served the poor to become financially self-reliant. It is observed that for second generation borrowers, the impact of microfinance seems to fizzle out, where MFIs who are gaining efficiency are diverting their objective of servicing poor, signalling a sign of mission drift.
