This paper explores the use of informal credit as a strategy for managing risks by market women in northern Ghana. A broad concept of the costs of risk management strategies is introduced and encompasses both a time and monetary dimension. Based on qualitative data, the analysis reveals that...

This paper aims to compare the changes in different socio-economic factors SHGs Women and Non- SHGs Women. Three main dimensions had been assessed in this paper i.e. loan analysis, savings pattern and empowerment. We found that SHGs women have higher score in Average Women Empowerment Index than...

In a recent randomized experiment we found mean returns to capital of between 5 and 6 percent per month in Sri Lankan microenterprises, much higher than market interest rates. But returns were found to be much higher among men than among women, and indeed were not different from zero for women....