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The Role of Saving and Credit Co-operatives in Rural Women Empowerment in Dang, Nepal

Author

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  • Bhup KC

    (Nepalaya College, Nepal)

Abstract

Access and control over financial resources is necessary for long-term sustainability of women’s empowerment and their economic progress. This study investigates the role of savings and credit co-operative (SCC) in rural women empowerment in Dang, Nepal. Fifty members of Sirjana Women Saving and Credit Co-operative (SWSCC), Dang, Nepal were considered for the study. The results show that the members of the SWSCC have benefited from SCC with improved savings and access to credit/loans. The members have increased capital investment and started small scale businesses, which contributed to reducing their poverty levels. Only 20% of the households had annual income of more than NRs 100 thousand before joining the cooperative but this number increased to 54% after joining the cooperative. In addition, SWSCC was observed to be providing adult literacy classes to its members resulting in literate adults which helped in empowering the women. In addition, instances that women made decisions on health check-ups of the family members and participation on social meetings increased. The positive outcomes of the study suggest that the Nepalese women should increase their savings and eventually ensure their socioeconomic empowerment as well as contribute to the economic development of rural areas in Nepal.

Suggested Citation

  • Bhup KC, 2018. "The Role of Saving and Credit Co-operatives in Rural Women Empowerment in Dang, Nepal," Journal of Development Innovations, KarmaQuest International, vol. 2(2), pages 26-33, November.
    • Handle: RePEc:kqi:journl:2019-2-2-3
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    File URL: https://www.karmaquest.org/journal/index.php/ILGDI/article/view/38/28
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    References listed on IDEAS

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    1. repec:kqi:journl:2017-1-2 is not listed on IDEAS
    2. Punita Bhatt Datta & Robert Gailey, 2012. "Empowering Women through Social Entrepreneurship: Case Study of a Women's Cooperative in India," Entrepreneurship Theory and Practice, , vol. 36(3), pages 569-587, May.
    3. Shankar Ghimire & Taylor Rigatti & Nicholas Sexton, 2017. "Effect of Credit Cooperatives in Employment Generation: Evidence from Rural Nepal," Journal of Development Innovations, KarmaQuest International, vol. 1(1), pages 29-44, February.
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    More about this item

    Keywords

    Microcredit; Women Empowerment; Saving and Credit Co-operatives;
    All these keywords.

    JEL classification:

    • O12 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Microeconomic Analyses of Economic Development
    • I38 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Government Programs; Provision and Effects of Welfare Programs

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