Micro Credit and Women Empowerment

Authors

  • Kumari Pinku Guest Assistant Professor, University Department of Rural Economics and Cooperative Management, Tilka Manjhi Bhagalpur University, Bhagalpur, Bihar, India

DOI:

https://doi.org/10.5281/zenodo.15582480

Keywords:

microcredit, empowerment, microfinance, loan size, skill development, sustainable empowerment

Abstract

This paper explores the impact of microcredit on women’s empowerment. Microcredit programs, often implemented through microfinance institutions (MFIs), aim to provide small loans to women to initiate or expand income-generating activities. The study suggests that microcredit can contribute positively to women's empowerment, outcomes vary based on contextual factors such as local culture, loan size, repayment pressure, and the presence of supportive networks. The paper concludes that microcredit is a potentially powerful tool for the poor in the insurance sector. It must be complemented by education, skill development, and broader social support mechanisms to ensure sustainable empowerment.

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References

V. N. Misra, & Anup Mitra. (1992). Growth and poverty - The urban legend. Economics and Political Weekly, 27(13), 659-665.

M.V. Nadkarni. (1976). Overpopulation and the rural poor. Economics and Political Weekly, 11(31-33), 1163-1172.

Amartya Sen. (1973). Poverty, inequality and unemployment: Some conceptual issues in measurement. Economics and Political Weekly, 8(33), 1457-1464.

Tom Easton. (2005). The hidden wealth of the poor: A survey of microfinance. London: Economist, pp. 1-12.

Government of India. (2004). Indian economic survey - 2004.

Published

28-05-2025

How to Cite

Pinku, K. (2025). Micro Credit and Women Empowerment. Social Science Journal for Advanced Research, 5(3), 51–55. https://doi.org/10.5281/zenodo.15582480

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