An exploration of the social benefits and consequences for women who receive microloans through the group lending model


Cara Durr

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The proposed research will examine the experiences of women in Java, Indonesia who have received microloans, focusing particularly upon their perceptions of the changes to their social capital. My research will explore how a woman’s sense of self and sense of community changes as a result of obtaining such a loan. Social capital, defined as the norms and networks that enable people to act collectively, has been described as “women’s capital,” which acknowledges the importance of social networks to women in particular, due to their historical lack of equal access to credit and other resources. A solid understanding of the ways that social capital is utilized and affected by microcredit is necessary to understand the broader implications of microcredit for women.

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