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Multiple Meanings of Money: How Women See Microfinance analyses what microfinance and money mean to women; focusing on the perspectives of individual women and of women-only groups. It explores women's money management strategies, group dynamics and learning processes in groups. It discusses the divergence in the perspectives of external intervening agencies and those of women who are members of self-help groups (SHGs). Based on case studies and participatory research methods, the discourse spans issues from macro to micro level and focuses on women as agents of change in their own livelihoods.
The book will be an asset for professionals working in the sectors of microfinance and gender issues, as well as for policy makers. It will be equally useful for those studying and engaged in social work.
An interesting composition of detailed evidences in the form of case studies of individuals and the self-help groups (SHG) and monographs... the book concludes that microfinance can bring about a social change with a few moderations and changes in the terms and conditions in the extension of credit facilities, taking into account the person's social and economic status.
(The Book Review)
This book analyses what microfinance and money mean to women. In doing so, it focuses on the perspectives of individual women and those in groups. Based on case studies and participatory research methods, it explores women's money management strategies, group dynamics and learning processes.... Professionals working in micro finance and gender issues, and policy makers, will find the book enriching.
In this book, Smita Premchander, with her sustained grassroots understanding, has done a commendable job of delving into women`s life experiences and elaborating the meanings of money from their perspectives.
The book takes a feminist approach, as it questions the benefits and costs of development programmes for women...Money is a social relationship. It is a continued relationship of mutual trust. This book succinctly elaborates how relationships of trust are built, based on mutual respect. On the contrary, when women are seen merely as beneficiaries or clients, no relationships are formed and there is no possibility of empowerment. (Elaben Bhatt)
About the Author
Smita Premchander is the founder and secretary of Sampark and has 25 years of experience in development work. She has been a trainer and consultant for gender, microfi nance and microenterprise--both in India and internationally. Her expertise relates to evaluation and design of effective and pro-poor development projects, spanning grassroots development, organisational and programme issues and policy change. She completed a short term assignment with the International Labor Offi ce (ILO), Geneva, as a specialist in Impact Evaluation for Job Creation and Enterprise Development. She has completed about 19 impact and evaluation studies combining both quantitative and qualitative methodologies, for different agencies such as United Nations Development Programme (UNDP), Delhi; Enterplan, UK; ILO, Delhi and Geneva; Centre for Development and Environment (CDE), University of Berne, Switzerland; FAO of the United Nations, Bangkok; United Nations Development Fund for Women (UNIFEM), Bangkok; United Nations Offi ce for Project Services (UNOPS), Malaysia, Traidcraft, UK; Department for International Development (DFID), Bangladesh and Delhi; Swiss Development Corporation, Delhi; CARE India, New Delhi; Novib, Netherlands; National Dairy Development Board (NDDB), Bangalore and Anand; World Bank, Washington and Universities of Sterling, Durham and Swansea, UK. She has worked in most states in India, including Karnataka, Madhya Pradesh, Andhra Pradesh, Jharkhand, Orissa, Chhattisgarh, Rajasthan, Assam, Meghalaya and Mizoram.
V Prameela is a micro enterprise and livelihood specialist with 15 years of experience and has conducted various impact and evaluation studies. She has worked as a livelihood and micro-enterprise consultant for national and international clients of International Labor Organization such as (ILO), CARE-India (Gujarat, Andhra Pradesh); FAO of the United Nations, Bangkok; Christian Aid, New Delhi; World Bank and NDDB, Bangalore and UNOPS, Malaysia. She also works as a trainer and counsellor in enterprise development and conducted several enterprise development-training programmes for both front line staff and directly for women at the grassroots level. She is working with Sampark, an NGO based in Bangalore and coordinates projects on rural livelihood; running day care non-formal education centres for children of migrant families and community-based mental health programmes. She is also involved in developing proposals and fund-raising.
M Chidambaranathan is a development professional engaged in consultancy and grassroots- based projects through an NGO based in Bangalore. His areas of expertise include sustainable rural livelihood systems, microfi nance, people's organisations, gender and leadership, natural resource management and social learning process. The nature of assignments he has conducted over 15 years for both national and international agencies span research, participatory impact and evaluation studies, designing impact monitoring systems, training NGO staff, strategy planning for development projects, fund-raising and coordination of fi eld-based poverty reduction and women's empowerment projects. He is author/co-author for more than 15 articles published in national and international journals.
L Jeyaseelan has Masters' degree in Social Work and has been engaged with development projects for over 15 years. His areas of expertise include children's education, microfi nance, enterprise development and capacity building of people's organisations. Currently he is working with Sampark, an NGO based in Bangalore as a programme manager for its rural development project in Koppal. Here he has been involved in managing programmes such as microfi nance, micro-enterprise, health, children's education, vocational training and development of people's institutions. He was involved in several participatory research and impact evaluation studies conducted for both national and international agencies. He also writes which have been articles, published in journals and reports.