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Helen Todd - Women at the Center: Grameen Bank Borrowers After One Decade

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Helen Todd Women at the Center: Grameen Bank Borrowers After One Decade
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Women at the Center
Women at the Center
Grameen Bank Borrowers After One Decade
HelenTodd
First published 1996 by Westview Press Inc Published 2021 by Routledge 605 - photo 1
First published 1996 by Westview Press, Inc.
Published 2021 by Routledge 605 Third Avenue, New York, NY 10017 2 Park Square, Milton Park, Abingdon, Oxon OX14 4RN
Routledge is an imprint of the Taylor & Francis Group, an informa business
Copyright 1996 by Taylor & Francis, A Division of HarperCollins Publishers, Inc.
All rights reserved. No part of this book may be reprinted or reproduced or utilised in any form or by any electronic, mechanical, or other means, now known or hereafter invented, including photocopying and recording, or in any information storage or retrieval system, without permission in writing from the publishers.
Notice: Product or corporate names may be trademarks or registered trademarks, and are used only for identification and explanation without intent to infringe.
Library of Congress Cataloging-in-Publication Data Todd, Helen, 1943 Women at the center: Grameen Bank borrowers after one decade / by Helen Todd. p. cm. Includes bibliographical references and index. ISBN 0-8133-9000-1 1. Grameen Bank. 2. Bank loansBangladesh. 3. Rural women Bangladesh. 4. Poor womenBangladesh. I. Title. HG3290.6.A8G7385 1996 332.1L'095492dc20 96-12161 CIP
ISBN13: 978-0-367-21379-4 (hbk)
ISBN13: 978-0-367-21660-3 (pbk)
DOI: 10.4324/9780429267871
For David
Contents
  1. 2 What Credit Can Do: Women's Contribution
    1. Two Enterprising Women
    2. More Than Half
    3. Notes
  2. 3 Wives and Partners
    1. Women in Charge
    2. Partnerships
    3. Managing to Succeed
    4. Slightly Less Than Equal
    5. Entrepreneurs Without Capital
    6. Buttering the Networks
    7. Notes
  3. 4 Taka Talks: Centrality in the Household
    1. No Place of Her Own
    2. Pipelines for Credit
    3. Centrality
    4. Empowerment as a Process
    5. A Lokkhi Wife
    6. Note
  4. 5 Strategies for Survival
    1. Coping with Crisis: Benign and Destructive Strategies
    2. Poor and a Woman
    3. Work of Honor; Work of Shame
    4. Note
  5. 6 Still Poor: Disaster and Dependency
    1. The Drain of Illness
    2. No Safety Net
    3. Notes
  6. 7 Women on Their Own
    1. Driven from Her House
    2. Making It as a Widow
    3. A Frightened Grocer
    4. Widows in the Future
    5. Too Great a Risk?
    6. Notes
  7. 8 Group and Center: Solidarity and Self-Interest
    1. Owning the Bank
    2. From Just Credit to Credit Plus
    3. Group Myth and Reality
    4. Family Comes First
    5. Politics in the Center
    6. Credit Plus What?
    7. Termites in the House
    8. Notes
  8. 9 Centered on the Children
    1. Taller and Fatter
    2. A Question of Control
    3. The Health Environment
    4. Food Entitlements
    5. Schooling: Changing Outlooks
    6. The Curse of Dowry
    7. Notes
  9. Conclusion
    1. Nothing to Lose but His Poverty
    2. The Break-Down Position
    3. The Process of Moving out of Poverty
    4. The Double Day
    5. The Process of Empowerment
    6. The Limits of Grameen Bank
    7. The Strength of the Center
  10. Epilogue
    1. Note
  1. 2 What Credit Can Do: Women's Contribution
    1. Two Enterprising Women
    2. More Than Half
    3. Notes
  2. 3 Wives and Partners
    1. Women in Charge
    2. Partnerships
    3. Managing to Succeed
    4. Slightly Less Than Equal
    5. Entrepreneurs Without Capital
    6. Buttering the Networks
    7. Notes
  3. 4 Taka Talks: Centrality in the Household
    1. No Place of Her Own
    2. Pipelines for Credit
    3. Centrality
    4. Empowerment as a Process
    5. A Lokkhi Wife
    6. Note
  4. 5 Strategies for Survival
    1. Coping with Crisis: Benign and Destructive Strategies
    2. Poor and a Woman
    3. Work of Honor; Work of Shame
    4. Note
  5. 6 Still Poor: Disaster and Dependency
    1. The Drain of Illness
    2. No Safety Net
    3. Notes
  6. 7 Women on Their Own
    1. Driven from Her House
    2. Making It as a Widow
    3. A Frightened Grocer
    4. Widows in the Future
    5. Too Great a Risk?
    6. Notes
  7. 8 Group and Center: Solidarity and Self-Interest
    1. Owning the Bank
    2. From Just Credit to Credit Plus
    3. Group Myth and Reality
    4. Family Comes First
    5. Politics in the Center
    6. Credit Plus What?
    7. Termites in the House
    8. Notes
  8. 9 Centered on the Children
    1. Taller and Fatter
    2. A Question of Control
    3. The Health Environment
    4. Food Entitlements
    5. Schooling: Changing Outlooks
    6. The Curse of Dowry
    7. Notes
  9. Conclusion
    1. Nothing to Lose but His Poverty
    2. The Break-Down Position
    3. The Process of Moving out of Poverty
    4. The Double Day
    5. The Process of Empowerment
    6. The Limits of Grameen Bank
    7. The Strength of the Center
  10. Epilogue
    1. Note
Guide
Tables and Figures
Tables
2.1 Female Contribution to Net Household Income
5.1 Daily Food Needs of Barek's Family
5.2 Daria's Budget During Her Husband's Absence
9.1 Implementation of Health Related 16 Decisions
Figures
2.1 Household Poverty Status: Grameen Bank Sample
2.2 Household Poverty Status: Control Group Sample
2.3 Female Contribution to Net Household Income: Grameen Bank
2.4 Female Contribution to Net Household Income: Control Sample
2.5 Where GB Women's Income Comes From
4.1 Central or Marginal? Influence over Household Decision Making
8.1 Source of Borrowing to Pay Interest on General Loan
8.2 Distribution of Income Amongst Grameen Bank Sample
Photographs
Banu and Alia in the fields
Begum, Grameen Bank borrower
Habibah, unchallenged leader of the Bonopur center
Norjahan and Nurul, successful mustard oil traders
Parveen, a marginal Grameen Bank borrower
Daria, powerless to change her life
Rina
Parul, the struggling widow with three daughters
Faruq, close to death. Grameen Bank children.
Alia in the pond
Preface
I visited Grameen Bank in 1985 as a journalist, spending two weeks in Rangpur Zone going to the Bank's Centers in various villages and interviewing borrowers. Since then I have closely followed the replication of the Grameen Bank system in Malaysia so closely I married one of the replicators and lived for two years amongst the paddy fields where Project Ikhtiar began.
In the 15 years I have worked in Malaysia as a journalist I have become increasingly interested in what could be called development journalism, which meant, to me, getting below the surface of the official rhetoric and the glib statistics to find out who gets what from the spending of the development budget. This work brought two things home to me. One was that the planners and administrators always knew exactly what was best for the poor and always blamed the backwardness" of the poor when something went wrong with their programs. Second, from the viewpoint of the supposed beneficiaries, the processes of "modernizing" the economy are often not benign, particularly to the rural poor and to women, precisely because they have little power to influence the outcomes or to demand the benefits of development.
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