ISSN: 2222-6990
Open access
The aim of this paper is to investigate the role of NGOs microfinance in women empowerment in the Northern Pakistan. A total number of 309 beneficiaries were selected form three NGOs microfinance (Biyar Local Support Organization, Garamchashma Area Development and Integrated Chitral Development Programme). Quantitative primary data was adopted while the partial least squares-structural equation modelling (PLS-SEM) was used to analyze the data collected. A logistic test was also performed to estimate the microfinance impact on women empowerment. The results show microfinance program has boosted the confidence level and the decision making power of the beneficiaries. In addition, respondents are able to make choices regarding the expenditure as well as to express their opinions in the community. The findings imply that more injection of micro loans by the government and NGOs so women can play a greater role in the community specifically to improve the wellbeing of the members of the households.
Ahmad, N. M., & Ahmad, M. M. (2016). Role of Microcredit towards socioeconomic empowerment of Pakistani urban women. The Anthropologist, 26(3), 189-197.
Ahmed, S. M. (2005). Intimate partner violence against women: Experiences from a woman-focused development programme in Matlab, Bangladesh. Journal of Health Population and Nutrion, 23(6) 95–101
Ahmed, F., Siwar, C., & Idris, N. A. H. (2011). Sustainable livelihood amongst rural women through microcredit programme in Bangladesh. Australian Journal of Basic and Applied Sciences, 5(7), 116-120.
Ahmed, M. S., Chowdhury, M., & Bhuiya, A. (2001). Micro-credit and emotional well-being: Experience of poor rural women from Matlab, Bangladesh. World Development, 29(11), 1957– 1966.
Akmam, W., & Islam, M. F. (2017). Non-governmental organizations’ contributions to poverty reduction and empowerment of women through microcredit: A case of a village in Gaibandha district, Bangladesh. In Shibusawa, H. (Eds.) Socioeconomic Environmental Policies and Evaluations in Regional Science (pp. 411-425). Singapore: Springer.
Ali, I. & Hatta, Z. A. (2012). Women’s empowerment or disempowerment through microfinance: evidence from Bangladesh. Asian Social Work and Policy Review, 6(2), 111-121.
Al-Mamun, A., Mohammad Nurul, H. M., Sazali, A. W., & Su, Z. (2014). Empirical investigation on the impact of microcredit on women empowerment in Urban Peninsular Malaysia. Journal of Developing Areas, 48(2), 287-306.
Annan, A. (2018). Microfinance Performance: The Dynamics Between Performance and Funding Sources Across Microfinance Institution Legal Charters and Age Groups (Executive Doctorate in Business). Georgia State University, United States.
Ashraf, N., Karlan, D., & Yin, W. (2008). Female Empowerment: Impact of a Commitment Savings Product in the Philippines (No. Center Discussion Paper no. 949). New Haven.
Bali Swain R., and Wallentin F. Y. (2009). Does microfinance empower women? Evidence from self-help groups in India. International Review of Applied Economics, 2(3), 541–556
Bali Swain, R., & Wallentin, F. Y. (2017). The impact of microfinance on factors empowering women: Differences in regional and delivery mechanisms in India’s SHG programme. The Journal of Development Studies, 53(5), 684-699.
Banerjee A. V., Duflo E., Glennerster R., Kinnan C. (2015). The miracle of microfinance: Evidence from a randomized evaluation. American Economic Journal: Applied Economics. 7(3) 22–53.
Banerjee A. V. (2013). Microcredit under the microscope: What have we learned in the past two decades, and what do we need to know? Annual Review of Economics 5(2), 487–519.
Basargekar, P. (2009). Microcredit and a macro leap: An impact analysis of Annapurna Mahila Mandal (AMM), an urban microfinance institution in India. Journal of Financial Economics 7(1), 105–120.
Blumberg, R. L. (2005). Women’s Economic Empowerment as the “Magic Potion” of Development? (Paper presented at the 100th Annual Meeting of the American Sociological Association). Philadelphia.
Burra, N., Deshmukh-Ranadive, J., & Murthy, R. K. (2005). Micro-credit, poverty and empowerment: Linking the triad (1st ed). New Delhi: Sage Publications
Chin, W.W. (1998). The partial least squares approach to structural equation modeling. Modern Methods for Business Research, 295(2), 295-336.
Chowdhury, S. S., & Chowdhury, S. A. (2011). Microfinance and women empowerment: A panel data analysis using evidence from rural Bangladesh. International Journal of Economics and Finance, 3(5), 86-91.
Clarke, G., Cull, R., Peria, M. S. M., & Sanchez, S. M. (2003). Foreign bank entry: Experience, implications for developing economies, and agenda for further research. The World Bank Research Observer, 18(1), 25-59.
Duflo, E. (2012). Women empowerment and economic development. Journal of Economic Literature, 50 (4): 1051-79
Duvendack, M., Palmer-Jones, R., & Vaessen, J. (2014). Meta-analysis of the impact of microcredit on women’s control over household decisions: Me
In-Text Citation: (Ab-Rahim, Shah, & Raki, 2018)
To Cite this Article: Ab-Rahim, R., Shah, S.-U.-M., & Raki, S. (2018). Impacts of NGOs Microfinance on Women Empowerment in Northern Pakistan. International Journal of Academic Research in Business and Social Sciences, 8(12), 1–13.
Copyright: © 2018 The Author(s)
Published by Human Resource Management Academic Research Society (www.hrmars.com)
This article is published under the Creative Commons Attribution (CC BY 4.0) license. Anyone may reproduce, distribute, translate and create derivative works of this article (for both commercial and non-commercial purposes), subject to full attribution to the original publication and authors. The full terms of this license may be seen at: http://creativecommons.org/licences/by/4.0/legalcode