Do Spouses Make Claims? Empowerment and Microfinance in India

  • Rai A
  • Ravi S
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Abstract

We study a microfinance program that provides compulsory health insurance to its borrowers and their spouses. We find that non-borrowing spouses are less likely to file insurance claims than those who are borrowing. Further, a man is more likely to use the health insurance acquired through his wife's loan than is a woman (through her husband's loan). These patterns suggest that women who do not borrow are disempowered relative to those who do. © 2011 Elsevier Ltd.

Author-supplied keywords

  • Claims
  • Empowerment
  • Gender
  • Health insurance
  • India
  • Microfinance

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Authors

  • Ashok Rai

  • Shamika Ravi

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