In what ways do norms and expectations about the actual processes of saving and borrowing create a disjuncture between the formal sector and indigenous experiences? Bridging this divide between... Show moreIn what ways do norms and expectations about the actual processes of saving and borrowing create a disjuncture between the formal sector and indigenous experiences? Bridging this divide between every day and formal financial concepts and practices is part of the key to being able to develop more appropriate products and services that will support financial inclusion. This insights brief brings together findings from two over-lapping research projects that address this question. Both studies examined indigenous practices of resource exchange through saving, lending and gifts. In the first, research examined the language used for the core financial concepts of savings and borrowing, and explored some of the social and cultural practices that these concepts involved. This was undertaken in Kitui and dealt specifically with Kikamba terminology. While this was a very focused study, it raised issues that resonated with the second study and which therefore have wider relevance. The second study delved in more depth into the nature of inter-personal transactions involved in financial and other resource transfers in a bid to understand their social dynamics and meaning for those involved. It was undertaken in three areas: Mathira, Kitui and Nyamira. Show less
This study examines in what ways and to what extent microfinance services facilitate the empowerment of married rural women in Nebbi district, northwestern Uganda. In particular, it examines the... Show moreThis study examines in what ways and to what extent microfinance services facilitate the empowerment of married rural women in Nebbi district, northwestern Uganda. In particular, it examines the gender relations inherent in the livelihood practices of the community, the changes in well-being (if any) of the recipients of microfinance, and the ways in which changes in well-being are translated into changes in gender relations at the household and community levels. Using the sustainable livelihood approach, empowerment was measured at two levels, viz. the livelihood endowment status, and the livelihood entitlement status. The analysis reveals that microfinance did not make any significant change in the well-being status of clients. However, microfinance significantly facilitated women's empowerment at the individual, intrahousehold, and community levels. In this way, women's agency has sparked their struggle to engender livelihood practices. [ASC Leiden abstract] Show less
