eye on micro finance - issue #10

7
Issue #10 July 2009 CENTRE FOR MICRO FINANCE

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This is the quarterly newsletter of the Centre for Micro Finance (CMF) at the Institute for Financial Management and Research. This issue discusses results from several CMF studies.

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Page 1: Eye on Micro Finance - Issue #10

Issue #10July 2009

CENTRE FOR MICRO FINANCE

Page 2: Eye on Micro Finance - Issue #10

A CMF surveyor interviewing a client in the VWS study, West Bengal

Page 3: Eye on Micro Finance - Issue #10

Women Involved in Expenditure Decisions %

Food 79.32Education 71.36Clothing 78.71Durable Goods 70.96Health 77.75Gold 80.46Home Improvements 74.57Investment of Surplus 74.96

Women Involved in Bussiness Decisions %

Takes decisions to conduct business 88.87Consults someone? 12.85Takes decisions on profits 76.07Consults someone? 12.32

Table 1: Involvement of women in Expenditure and Busi-ness decisions; Source: Baseline Survey, Impact evalua-tion of Spandana’s micro-credit program

Table 2: Expenses on Health and Education by Gender; Source: Experiments on repayment schedules in VWS, West Bengal; VWS Baseline survey

Expenses on Education and Health

Share Women Total Expenditure

Share Men Total

Expenditure

Share Women Total Expenditure/

Share of Women Aged

0 to 17

Share Men Total

Expenditure/ Share of Men Aged 0 to 17

Annual fees 0.50 0.50 0.98 0.97Personal Teaching expenses 0.49 0.51 1.00 0.96Text book 0.51 0.49 1.01 0.95Doctor's fees 0.59 0.41 0.87 0.75Other practitioner's fees 0.70 0.30 1.13 0.48Medicines 0.57 0.43 0.86 0.74Tests 0.59 0.41 0.77 0.70Health-related travel 0.64 0.36 0.93 0.62Vaccines 0.49 0.51 1.08 0.93

Women Involved in Expenditure Decisions

Involved %

Have major say

%Food 81.67 63.77Education 48.43 37.90Clothing 72.70 59.02Health 60.03 45.73Home Improvements 37.56 20.17Land Purchase 30.06 47.55

Page 4: Eye on Micro Finance - Issue #10

Table 3: Participation of Women in Household Expendi-ture Decisions; Source: Experiments on repayment sched-ules in VWS, West Bengal; VWS Baseline survey

Women Involved in Expenditure Decisions

Involved %

Have major say

%Food 81.67 63.77Education 48.43 37.90Clothing 72.70 59.02Health 60.03 45.73Home Improvements 37.56 20.17Land Purchase 30.06 47.55

Page 5: Eye on Micro Finance - Issue #10

A group of women belonging to the Gond tribe in Madhya Pradesh talk about their fears of going to banks for loans.

Page 6: Eye on Micro Finance - Issue #10
Page 7: Eye on Micro Finance - Issue #10