abstract: 'This study examines the impact of microcredit on male and female time

  use, and draws on this analysis to explore the linkages between credit

  and women''s empowerment. A study of time use can help understand these

  linkages, because if credit is intended to improve women''s livelihoods,

  it can also be expected to influence the way women allocate their time.

  Its other advantages are that it does not suffer from much time lag and

  can be objectively measured. Using household survey data from rural

  India, the findings show that while microcredit has little impact on

  women''s time use, it helps their husbands move away from wage work

  (associated with bad pay and low status) to self-employment. This is

  because women''s loans are typically used to enhance male ownership of

  the household''s productive assets. Further, it is found that it is only

  women who use loans in self-managed enterprises who are able to allocate

  more time to self-employment. If credit is intended to increase the

  value of women''s work time, it follows that it is not access to loans

  but use of loans that matters. Ensuring women''s control over

  loan-created assets must therefore be a critical policy objective.'
affiliation: 'Garikipati, S (Corresponding Author), Univ Liverpool, Sch Management,
  Liverpool L69 3BX, Merseyside, England.

  Univ Liverpool, Sch Management, Liverpool L69 3BX, Merseyside, England.'
author: Garikipati, Supriya
author-email: S.Garikipati@liv.ac.uk
author_list:
- family: Garikipati
  given: Supriya
da: '2023-09-28'
doi: 10.1111/j.1467-7660.2012.01780.x
files: []
issn: 0012-155X
journal: DEVELOPMENT AND CHANGE
keywords-plus: 'ALLOCATION; CREDIT; IMPACT; LABOR; BANGLADESH; MICROFINANCE; GENDER;

  RIGHTS; NEPAL; LAND'
language: English
month: MAY
number: '3'
number-of-cited-references: '55'
orcid-numbers: Garikipati, Supriya/0000-0001-8576-8227
pages: 719-750
papis_id: 70ad45a763b5543c00591be50b51bf63
ref: Garikipati2012microcreditwomens
times-cited: '46'
title: 'Microcredit and Women''s Empowerment: Through the Lens of Time-Use Data from
  Rural India'
type: article
unique-id: WOS:000304149300005
usage-count-last-180-days: '0'
usage-count-since-2013: '62'
volume: '43'
web-of-science-categories: Development Studies
year: '2012'