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21
Yallingup, Western Australia
Email:
viti@bearfruit.com.au
Website:
http://www.bearfruit.com.au
3
My husband and father go out daily wages and pay. Afterwards we pay loan from
profits. Yes my father helps me to pay back loans. We have fixed time to pay back
loan so my husband wants to help from his earnings.
4
Yes by my husband making dugwells.
6
Yes husband works in [her] business. Not wage income. Purchased new cupboard
to house drink products, electricity put in. Now local wine maker. This is made
from wheat based products.
7
Yes.
8
Yes.
9
No.
There was clear evidence of partnerships in operation with this small group study. Early micro
loans in village areas in Bangladesh — where the institution of microfinance was developed for
women — indicated that the support of husbands and family was not necessarily evident due to
cultural practices. There are clear contrasts in the developing world when consideration is given
to the question on social impacts of micro credit. Each cultural context has its own cultural belief
systems to navigate around which brings into view the importance of cooperative group loans to
rural women.
In Bangladesh, “Men have a significant interest in ensuring the appropriate behaviour of women,
since “inappropriate” behaviour is often perceived as a man’s failure to provide for his family”
and such cultural beliefs “…effect how women’s earning are regard.” For a rural woman in
Bangladesh these cultural beliefs mean, “…that women often must violate the norms of
appropriate behaviour to ensure the survival of their families.”
27
On the other hand, the
experiences of women accessing microcredit in a Nepalese context are assisted in their
endeavours by family members.
Q 2.6 Did your husband assists you to take out the loan?
Participant
Number
Fieldwork data
1
Discuss with each other about loan phases. We have always paid loans on time
and never defaulted.
2
All family discuss about loan. Not just taking, taking but about how to repay the
loan. All family members responsible for loan repayments.
3
Without permission from my husband I would not take out the loan as he has the
means to repay the loan.
27
Bernasek, (2003), p. 270-271.