microcredit in rural women empowerment in south sulawesi
DESCRIPTION
Microcredit in Rural Women Empowerment in South Sulawesi. By. Hurriah Ali Hasan & Rozeyta Omar. INSPIRING CREATIVE AND INNOVATIVE MINDS. BACKGROUND. Poverty is always experienced by rural people, because they do not have a stable income More women experience poverty - PowerPoint PPT PresentationTRANSCRIPT
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)
INSPIRING CREATIVE AND INNOVATIVE MINDS
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).
INSPIRING CREATIVE AND INNOVATIVE MINDS
INSPIRING CREATIVE AND INNOVATIVE MINDS
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
INSPIRING CREATIVE AND INNOVATIVE MINDS
• 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
INSPIRING CREATIVE AND INNOVATIVE MINDS
• 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
INSPIRING CREATIVE AND INNOVATIVE MINDS
• 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
INSPIRING CREATIVE AND INNOVATIVE MINDS
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
INSPIRING CREATIVE AND INNOVATIVE MINDS
• 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
INSPIRING CREATIVE AND INNOVATIVE MINDS
INSPIRING CREATIVE AND INNOVATIVE MINDS
THANK YOU
INSPIRING CREATIVE AND INNOVATIVE MINDS