SEWA Bank's savings and credit groups and their influence on women's financial decision making within the household.

摘要

Microfinance programs were created as a tool to alleviate poverty by providing access to financial services. Many institutions emphasise targeting women for microfinance arguing they are often most sensitive to how these programs can serve household needs. A specific area in which women need adequate support is in household financial decision making. This thesis uses qualitative research methods to examine the effectiveness of financial education and training in the context of rural microfinance programs. It does so by examining the case of SEWA Bank's rural microfinance program (Savings and Credit Groups) in Gujarat, India. The thesis examines the program's requisite social intermediation, the effect such training and education has on members, and the financial decisions they consequently make. Findings include members' greater willingness to save than borrow money, the strengths and weaknesses of the training and meetings as well as the knowledge, skills and attitudes gained from program membership.