Credit to Capabilities focuses on the controversial topic of
microcredit's impact on women's empowerment and, especially, on the
neglected question of how microcredit transforms women's agency.
Based on interviews with hundreds of economically and socially
vulnerable women from peasant households, this book highlights the
role of the associational mechanism - forming women into groups
that are embedded in a vast network and providing the opportunity
for face-to-face participation in group meetings - in improving
women's capabilities. This book reveals the role of microcredit
groups in fostering women's social capital, particularly their
capacity of organizing collective action for public goods and for
protecting women's welfare. It argues that, in the Indian context,
microcredit groups are becoming increasingly important in rural
civil societies. Throughout, the book maintains an analytical
distinction between married women in male-headed households and
women in female-headed households in discussing the potentials and
the limitations of microcredit's social and economic impacts.
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