area of policy,findings,channels,studies direct transfers,evidence for increasing gender equality,lifted credit constraints and debt dependency increases employment probability,Emigh2018;Shin2006;Standing2015;Clark2019;Hojman2019 ,,requires effective targeting to disadvantaged women ,,can counter negative rtw effects of childbirth ,evidence for reduction of absolute poverty,positive short-term effects but mixed evidence long-term,Emigh2018;Bartha2020 individual microfinance,evidence for increased gender equality,increased personal economic security and household decision-making long-term,Al-Mamun2014;Field2019 ,,can decrease local discriminatory gender norms ,,constrained by loan obtainment abilities through individual focus