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Hope is the last thing a person does before being defeated: A study on microfinance programs and its effect on female borrower´s empowerment
Uppsala University, Disciplinary Domain of Humanities and Social Sciences, Faculty of Social Sciences, Department of Economic History.
2019 (English)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [en]

The aim of this study is to investigate the effect microfinance programs have on the empowerment of their female clients from the rural part of Ecuador. This study does also focuses on understanding how microfinance institutions work in the country of Ecuador and what empowerment actually means. This is a minor field study, performed in Ecuador. The study involved one microfinance organization, and its clients. The study includes 13 interviews with female clients from the microfinance organization, Espoir. Interviews were also conducted with employees from Espoir to get a general understanding of the microfinance situation in Ecuador. Field observations are also included in this study.The definition of empowerment is based on Naila Kabeer´s interpretation from 1999 and 2016of the concept, a process in which a disempowered individual acquires the ability to make choices. The theoretical framework is based on Kabeer´s theory (1999, pp. 436-440) of Resources, Agency, and Achievements, as well as Malhotra and Schuler (2005, pp. 71-88) approach on economic and social empowerment. The findings from this research suggest that empowerment of poor women is possible through microfinance programs. Microfinance programs does however not have a direct relationship with the concept of empowerment. This study shows that an important characteristic is women´s attitudes towards the process. Moreover, the resources the microfinance programs provide to their female clients for them to become empowered, is also critical. Important resources within this concept are the financial services, education, trust, encouragement and recognition. Important characteristics women should have to become empowered are driveand creativity.

Place, publisher, year, edition, pages
2019. , p. 56
National Category
Economic History
Identifiers
URN: urn:nbn:se:uu:diva-387667OAI: oai:DiVA.org:uu-387667DiVA, id: diva2:1330086
Educational program
Systems in Technology and Society Programme
Supervisors
Examiners
Available from: 2019-06-25 Created: 2019-06-25 Last updated: 2019-06-25Bibliographically approved

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CiteExportLink to record
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Cite
Citation style
  • apa
  • ieee
  • modern-language-association
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  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
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