Microfinance and gender empowerment

  • Ngo T
  • Wahhaj Z
  • 138


    Mendeley users who have this article in their library.
  • 19


    Citations of this article.


In this paper, we develop a theoretical model of household production, bargaining and credit to analyse how access to microcredit affects intra-household decision-making and welfare, and identify conditions under which female household members are most likely to benefit. We show that, consistent with ethnographic accounts of the impact of microcredit programmes on poor households, access to loans can lead to a variety of outcomes for intra-household decision-making and welfare depending on initial conditions and that, in some instances, women borrowers may experience a decline in welfare. We identify two instances in which a woman is most likely to benefit: when there is scope for investing the loan profitably in a joint activity, and when a large share of the household budget is devoted to household public goods. © 2011 Elsevier B.V.

Author-supplied keywords

  • Gender
  • Intra-household bargaining
  • Microfinance

Get free article suggestions today

Mendeley saves you time finding and organizing research

Sign up here
Already have an account ?Sign in

Find this document

Get full text


  • Thi Minh Phuong Ngo

  • Zaki Wahhaj

Cite this document

Choose a citation style from the tabs below

Save time finding and organizing research with Mendeley

Sign up for free