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The Impact of Group-Based Credit Programs on Poor Households in Bangladesh: Does the Gender of Participants Matter?
1997, Pitt, M. & Khandker, S.

Does the gender of credit program participant matters?

This paper states that the gender of program participants matters, and thus credit may not be perfectly fungible within the household. Using data from a survey carried out in 87 rural Bangladeshi villages during 1991-1992, this paper estimates the impact of participation by gender in three group-based credit programs: Grameen Bank (GB), Bangladesh Rural Advancement Committee (BRAC), and Bangladesh Rural Development Board's (BRDB) Rural Development RD-12 program. Impact on women?s and men?s labour supply, boy?s and girl?s schooling, expenditure and assets. Specifically, the paper

Examines the workings of the three group-based credit programs in the areas of products, credit recovery, target audience, monitoring and collateral
Looks at the interplay between program participation and changes in household behavior
Discusses the role of the group in these programs and the advantages they provide for women

Findings reveal that program credit has a significant effect on the well-being of poor households in Bangladesh and this effect is greater when women are the program participants.

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Journal Title:
Journal of Political Economy

Publisher(s):
Population Studies and Training Centre