MICROFINANCE AND POVERTY REDUCTION
Susan Johnson and Ben Rogaly
The potential of savings, credit and other financial services to support the livelihoods of poor people, especially women and other microentrepreneurs, is increasingly being recognised. Microfinance and Poverty Reduction points out that while microfinance interventions can raise incomes and change social relations for the better, they do not always do so. It introduces and overviews the current debates on microfinance; explores the rich variety of informal financial services used by the poor; emphasises the importance of the local context in deciding whether and how to intervene; discusses the design of a microfinance scheme; examines ways to sustain the provision of financial services in the long term; and reviews difficulties in and ways of assessing impact. Includes case-studies.
Oxfam Publications, 1997. paper; 134 pages. ISBN 0-85598-369-8. US$14.95
ALSO AVAILABLE IN SPANISH
AN END TO DEBT
Operational Guidelines for Credit Projects
Ellen Pruyne (Ed.)
This book addresses each stage of the project cycle in establishing or managing a credit programme for women, relevant issues and decisions to be made at each stage, and policies to guide those decisions. It is based on projects of the United Nations Development Fund for Women (UNIFEM) and its partner organisations over the past 15 years to ensure access to affordable credit for poor women.
UNIFEM, 1993. paper; 111 pp. ISBN 0-912917-44-X US$15.95
Also available in Spanish and French.
A Subsector Approach to Promoting Women's Enterprises
Martha Chen (Ed.)
Beyond Credit introduces participatory subsector analysis as an effective approach to promoting women's enterprises, identifying new and growth sectors of economic activity to help ensure that poor women are appropriately trained. Includes case studies from Bangladesh, India, Nigeria, Ghana, Chile, the Philippines and Canada.
Aga Khan Foundation Canada, 1996. paper; 151 pp. ISBN 0-969662-0-2 US$19.95
FINANCING WOMEN'S ENTERPRISES
Beyond Barriers and Bias
Thea Hilhorst and Harry Oppenoorth
Integrating numerous experiences of financial programmes with insights from gender studies and women and development programmes, Financing Women's Enterprises examines the need of poor, self-employed women for financial services, and analyses the ways this demand is presently met. It suggests methods to ensure access to adequate financing and financial services.
IT Publications/Royal Tropical Institute/ UNIFEM, 1992. paper; 96 pp. ISBN 90-6832-705-4 US$18.95
SEE ALSO: Question of Access, A: Training Workshops on Planning Credit Projects that Take Women into Account (Category: Small Business)
Reaching Women Microentrepreneurs With Financial Services
For women microentrepreneurs, access to financial services is critical to their ability to make productive investments in their business. Money Matters synthesises the results of a study by the Inter-American Development Bank of the kinds of financial services offered to these women by a range of institutions -- commercial banks, credit unions, and NGOs -- in six countries in Latin American and the Caribbean. What services are available? What are loan sizes and what are their characteristics? What activities do the services finance?
This book shows that in addition to the pioneering work of NGOs in lending to women microentrepreneurs, the current supply of financial services to women micro-entrepreneurs is more diverse than had been assumed until now, and thereby opens a window on the future of women's access to financial services.
Inter-American Development Bank, 1996. paper; 154 pp.ISBN 1-886938-15-6 US$15.00
OUR MONEY, OUR MOVEMENT
Building a Poor People's Credit Union
Alana Albee and Nandasiri Gamage
Our Money, Our Movement illustrates a fundamental tenet of the credit union movement: that financial services can be controlled and managed by the poor, rather than merely delivered to them. It describes how this goal has been reached in the working of the Women's Credit Union in Sri Lanka. This book includes people's own portrayals of their lives and illustrates how low-income people's efforts can shift the purely economic view of development to include social and cultural aspects. This is essential reading for development agency staff, and others interested in credit and savings initiatives and women's organising. Tables; illustrations; photographs.
IT Publications, 1996. paper; 46 pp. ISBN 1-85339-388-6 US$15.50
The State of the Practice
From its roots in Central and South America in the 1980s, village banking is now creating autonomous institutions in more than 28 countries, enabling very poor communities, especially women, to accumulate and manage assets. This book analyses the experience of 68 programmes, their organisational structures, their strategies for attaining self-sufficiency, and their impact.
SEEP Network/UNIFEM, 1996. paper; 100 pp. ISBN 0-912-917-39-3 US$12.95
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