Microcredit in Rural Women Empowerment in South Sulawesi

Microcredit in Rural Women Empowerment in South Sulawesi

Microcredit in Rural Women Empowerment in South Sulawesi

INSPIRING CREATIVE AND INNOVATIVE MINDS

Hurriah Ali Hasan&

Rozeyta Omar

By

BACKGROUND

•Poverty is always experienced by rural people, because they do not have a stable income

•More women experience poverty•Women often have to be the head of the family or become single parents, and have to do: make a living and care of their family.

(Ahmed & Rahid, 2001; World Bank, 2006; Dulal, 2007; Kabeer, 1998; Sharma & Zeller, 2000)


BACKGROUND

• It need to encourage the rural development • It need to increase the productive activities of rural

women • It need to empower rural women • It need to open up access to finance for rural

women • Access to financial resources is essential for rural

development

(Ashari, 2006; Brush, et al, 2006; Cerven dan Ghazanfar, 1999; Crepon et al, 2002).



BACKGROUND

The importance of micro-credit programs for women:

1. In terms of access to credit, women have more difficulties than men;

2. Most women feel the impact of lack of money in the family and society;

3. Women have a low credit risk in lending.

(Bernasek & Stanfield, 1997; Hunt & Kasyanathan, 2001; Mallick, 2002; Schuler & Hashemi, 1994; Todd, 2000; Vonderlack & Schreiner, 2010)

Women's involvement in micro business activities are:

- One process of rural development- One process of poverty reduction

- One process of improving the quality of social capital - One process of encourage the small businesses and

local markets

The process is supported by the Micro Credit

BACKGROUND


• This study conducted out in District of Gowa, South Sulawesi, Indonesia

• In-depth interviews conducted to 10 women who have small business and use the micro-credit as a source of capital.

• Microcredit providers are cooperative

METHODE AND ANALISYS


• The strength of microcredit is its ability to assist poor women in order to have their own money as they needs

• Having their own money, has encouraged poor women to become productively and more confident in theirself

RESULT


• Women empowerment is growing through micro business activities

• Business activities has made women become self-reliant, more able to deal with and solve problems

• Challenge and competition helps woman improve self-esteem, capacity, and make their own decisions.

• Business activities provide an opportunity for rural women to expand the social interaction

• The business activities of providing access to women in local development.

RESULT


RESULT

Provider Condition Loan Repayment Interest Rate

Savety

Bank Fix Fix Fix Low Save

Cooperative Flexible Flexible Flexsible Medium Save

Money Lenders Flexible Flexible Fix High Not save

Having access to credit helps women to selectively choose micro-credit providers as needed


• Access to financial resources encourage the involvement of women in local development

• Micro credit support can help women to do productive and economic activities

• Microenterprise activities encourage the individual and social ability to have economic empowerment, improvement of living standards, self-confidence, social interaction and participation in community

CONCLUSION



THANK YOU


Documents

Microcredit in Rural Women Empowerment in South Sulawesi