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Social Capital, Empowerment: Examining Meanings and Conceptualisations

Social Capital, Empowerment: Examining Meanings and Conceptualisations. Dr. Smita Premchander Sampark, January 8, 2009. SHGs’ Dynamics. High interest rates Loans to non members Dividing savings Dissolution/ division of groups. ‘Good’SHGs or empowered SHGs?. Women’s Federation.

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Social Capital, Empowerment: Examining Meanings and Conceptualisations

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  1. Social Capital, Empowerment:Examining Meanings and Conceptualisations Dr. Smita Premchander Sampark, January 8, 2009

  2. SHGs’ Dynamics • High interest rates • Loans to non members • Dividing savings • Dissolution/ division of groups ‘Good’SHGs or empowered SHGs?

  3. Women’sFederation Cluster Association of 10 to 15 SHGs Cluster Association of 10 to 15 SHGs Cluster Association of 10 to 15 SHGs SHG SHG SHG SHG SHG SHG SHG SHG SHG SHG SHG SHG …………………….Members…………………….. Share capital contribution by each member for cluster association Consolidation at Different Levels: What do Women Prefer?

  4. Delivery Models and Institutions Own Savings Subsidised Unsubsidised Commercial SGSY SHG-BL SHG-BL MFI loans Cooperatives ……

  5. A Key Decision: The Institutional Form • If cooperative, women can • retain control of own savings and its use • Make profit for own organisation • Lead and manage own organisations • Build external relationships • Why is such “empowering microfinance” not promoted?

  6. Divergence in Meanings Assigned • “Good” SHGs • “Empowerment” : the concept is constructed in the household domain, sometimes community level indicators. Rarely linked to organisational forms • Microfinance in its current form can easily absolve the state of its duty-bearer role, and lead away from an entitlements approach to poverty reduction

  7. Thank you for your attention E-mail: sampark@sampark.org Website: www.sampark.org

  8. Important to Recognise Conflicts in Commercial Practice of MF

  9. Sampark’s Mission: Enabling Empowerment

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