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Disadvantages Of Women Empowerment

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The very notion of development has been associated with various ideologies, policy goals, empirical trends and has followed different approaches, overtime permeating the imagination of the masses, especially in the developing countries. Intrinsic to the idea of development, in all its forms and manifestations, is the idea of women empowerment. This view is echoed by UN Secretary-General Ban Ki-Moon when he says – “Global Goals cannot be achieved without ensuring gender equality and women’s empowerment” .Women empowerment is a multidimensional process which involves empowering women in different spheres of life be it social, political or economic and at various levels. Women should be able to pursue their own aspirations and develop the requisite …show more content…

Financial inclusion, which can be defined as the availability of banking services at low costs to the downtrodden and neglected section of the society mainly the low income groups, is central to the economic development and well-being of the other half population which currently, at a global level, has 1.1 billion or 55% of the total unbanked population according to Findex. This gender gap in the means of financial services and its exclusion is even more pronounced in the developing countries. This puts them at a disadvantage vis-à-vis power relations in the household as well at the societal level too. Even though its actual outcome that whether it empowers women or not is widely contested, micro-finance programs are widely used under policies promoting gender equality and poverty …show more content…

The state initiatives should focus on ameliorating the condition of financial services and on getting rid of the social and cultural barriers to accessing these services. Despite the progress in the last two decades in the field of microfinance through various organizations, credit unions and savings cooperatives, still a majority of the underprivileged strata doesn’t have access to the financial services of the formal institutions and have to resort to informal sources which charge exorbitantly high rate of interest on the loan. According to the Consultative Group to Assist the Poor (CGAP), half of the world’s adult population—2.5 billion people—does not have access to savings accounts and other formal financial services. The financial sector policies have evolved over time in the developing countries to also incorporate the goals of poverty alleviation and inclusive growth.

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