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Mobilizing Self-Employed Women

Mobilizing Self-Employed Women. When Does Microcredit Help or Hurt?. Women • don’t have collateral • are not always literate. • not seen as creditworthy • banking system intimidating. Grameen Bank Founder Mohammad Yunus. Focused on landles s poor, 97% borrowers are women.

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Mobilizing Self-Employed Women

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  1. Mobilizing Self-Employed Women When Does Microcredit Help or Hurt?

  2. Women • don’t have collateral• are not always literate

  3. • not seen as creditworthy• banking system intimidating

  4. Grameen Bank Founder Mohammad Yunus

  5. Focused on landless poor, 97% borrowers are women

  6. Ela Bhatt, founder of Self-Employed Women’s Association

  7. Tensions between Textile Labor Association and SEWA

  8. SEWA:1) labor movement2) cooperative movement3) women’s movement

  9. Issues: how you are labelled

  10. Looked at how women defined concerns, not preconceived ideas

  11. Saw women’s multiple concerns as interrelated Financial skills training

  12. Bank goes to the women

  13. Joint liability

  14. Borrowing procedures simplified

  15. Need stake in organization

  16. Non-violent mobilization

  17. Worked at local, national and international levels

  18. Other organizations focus on building political capacity

  19. Limits of microcredit organizations:• too beholden to donors and foundations• too much middle class influence• not enough emphasis on building political capacity

  20. 16 Decisions[13] • We shall follow and advance the four principles of Grameen Bank: Discipline, Unity, Courage and Hard work – in all walks of our lives. • Prosperity we shall bring to our families. • We shall not live in dilapidated houses. We shall repair our houses and work towards constructing new houses at the earliest. • We shall grow vegetables all the year round. We shall eat plenty of them and sell the surplus. • During the plantation seasons, we shall plant as many seedlings as possible.

  21. We shall plan to keep our families small. We shall minimize our expenditures. We shall look after our health. • We shall educate our children and ensure that they can earn to pay for their education. • We shall always keep our children and the environment clean. • We shall build and use pit-latrines. • We shall drink water from tubewells. If it is not available, we shall boil water or use alum.

  22. We shall not take any dowry at our sons' weddings, neither shall we give any dowry at our daughter's wedding. We shall keep our centre free from the curse of dowry. We shall not practice child marriage. • We shall not inflict any injustice on anyone, neither shall we allow anyone to do so. • We shall collectively undertake bigger investments for higher incomes. • We shall always be ready to help each other. If anyone is in difficulty, we shall all help him or her. • If we come to know of any breach of discipline in any centre, we shall all go there and help restore discipline. • We shall take part in all social activities collectively.

  23. took up welfare issues, not just narrowly defined labor issues • organized around female definitions of work • did not compartmentalize women’s needs: connected credit with housing, health, literacy, • domestic violence, sanitation, etc. •   organized women where they were • created alternative institutions to formal ones that were closed to women, e.g., banking • lobbied for policy changes • lobbied at the international level • created alternative production systems

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