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Women’s Micro-business Creation for Women’s Empowerment orFamily’s Welfare? Case of Nepalese Rural Women
Sabrina REGMI

Micro-business creation in the less developed countries, particularly inSouth Asia, has been constantly promoted as a development strategy, mainly
through microcredit projects. Women have been targeted by these projects aspotential entrepreneurs who could contribute to household poverty reduction
through business creation. Additionally, women’s empowerment and genderequality is assumed to be an eventual outcome of women’s micro-business creation. This assumption is of serious concern to gender and development advocates, and needs to be examined and analyzed through a gender lens. Analysisof the case study conducted by the author on rural Nepalese women who havebeen targeted by a microcredit project shows that women’s micro-business creation and the income derived from it may not necessarily bring gender-equal
outcomes. The outcome of the case study shows that while families’ welfare has
improved with women’s income contribution, women’s choices remain constrained by patriarchal norms and values that have a direct impact on theirhealth and well-being. Moreover, women’s income is seen as supplementary
and their income-earner role, although appreciated, is often underestimated. It
was noticed that although in some cases women’s “agency” was enhanced asthey acquired bargaining power from their income contribution, in general
women’s burden has not decreased but instead has multiplied, affecting their
physical and mental well-being.

Keywords：Micro-business Creation, Microcredit Project, Well-being, Women's Empowerment, Nepal

Introduction
Micro-business creation in the less developed countries, particularly in South Asia, has been constantly advocated as a development strategy, mainly through microcredit-led projects. “Microcredit”
is a small loan provided to poor people often to start income-generating activities. “Micro-business” isan income-generating, anti-poverty strategy inspired by the microcredit-led programs where credit isgiven to the poor to create non-farm based businesses. In the early stage of microcredit history in Nepal, programs such as Small Credit for Farmers targeted only men due to their breadwinner status.
Male farmers were provided subsidized microcredit for agriculture-related enterprises. Although the99Sabrina REGMI Women’s Micro-business Creation for Women’s Empowerment or Family’s Welfare? Case of Nepalese Rural Womenmajority of agricultural farm workers were women, it was predominantly men who received thecredit due to a focus on the household heads, the majority of whom were men (Rankin 2002). These
programs were not very successful because of the unsustainability of the subsidized credit-led programs, low repayment rate, and low returns from agriculture-oriented businesses to the economy.
It did not take long for development programs to shift their focus from men to women as microcredit borrowers, by introducing microfinance programs for the creation of non-farm based microbusinesses. In this way, women’s inclusion in the market economy was initiated as a smart strategy
to achieve development outcomes. The reasons were, first, the growing evidence of women’s high repayment rate compared to that of men and, second, the tendency of women borrowers to spend heavily on family’s welfare (Kabeer 1994). While the former contribution of women ensures the financial
sustainability of the microfinance institutions and may give them a sense of being successful, the latter ensures household poverty reduction, a primary goal of microfinance projects in rural areas.
As the focus of microfinance programs shifted from men to women as entrepreneurs, it became aserious concern for gender and development (GAD) advocates, as this shift, which in theory would
empower women, may not necessarily do so. The development strategy aiming at women’s empowerment and gender equality as eventual outcomes of women’s micro-business creation needs to be examined and tested in practice. In fact, several studies which analyze the impact of microcredit on
women through a gender lens found that the mere economic gains do not necessarily translate into
women’s empowerment and gender equality, and that the unequal power relations based on the patriarchal social system remain unchanged (Mayoux, 1995; Kabeer, 1994; Kantor, 2002).
The case study conducted by the author in rural Nepal, where women were targeted as microcredit borrowers to start micro-businesses, shows that women’s micro-business creation and the income derived from it may not necessarily empower women, nor does it achieve gender-equal outcomes. Using the findings from the case study, this paper analyzes the changes in women’s lives after
the start up of the micro-business within the socio-cultural context of rural Nepal. It sheds light on
the weak points of development strategies such as microcredit projects that tend to use women’s empowerment and gender equality as a promotional tool rather than an important goal to be met. In doing so, the paper explores the un-assumed impacts of micro-business creation on women’s lives thatcan either facilitate or impede gender equality and which have been left largely ignored by the mainstream development. The paper concludes by highlighting critical areas of concern that need the attention of development programs and in policies toward gender equality.

The Case Study
The study depicts the life stories of women members of the Microcredit Project for Women(MCPW) in Lalitpur 1 District after their membership to the project. The objective of the MCPW was
to alleviate rural household poverty as well as to empower women and facilitate the achievement ofgender equality. The target group of the project was women coming from low income families. Most100

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of the women belonged to the Brahmin and Kshatri castes 2 (high castes) and were involved in household and farm work prior to their membership of MCPW.
In Nepal, caste and class differ in significance. While “caste” refers to stratification of socialgroups according to Hindu religion based on their social and occupational backgrounds, “class” represents stratification of certain groups based on economic backgrounds and is not related to religious
views. In fact, in the village where the present study was conducted, the majority of the high caste
people such as Brahmins and Kshatris were found economically deprived as compared to Vaisyas,
most of whom are merchants and traders. Hence, the target group of the project was composed ofpoor women farmers who belong to rather high castes. 3 The study is limited to the inclusion only of
women members of the project in general and does not go deeply into studying the case of womenbelonging to different castes.
The study intends to present a case study, hence it is limited to examining a few but informativeand representative cases. It is also limited in scope, focusing only on married women members of the
MCPW in one of the villages of Lalitpur District where the MCPW was implemented. The study,
therefore, is not based on large-scale statistical data using a quantitative survey method; rather, it
uses qualitative methods based on the data of a few selected cases. The study aims to qualify women’s experiences and present their voices and concerns in the mainstream development discussions.
Hence the present case study is considered to be exploratory in nature.
The in-depth interviews, focus group discussions and personal observations are among the qualitative methods used in this study. Information was collected in a participatory manner with twentytwo women in two focus group discussions. Discussions were coordinated by the author with the helpof a local facilitator. Moreover, in-depth interviews with twelve women were conducted by the author
to discover changes in their lives after the creation of their micro-business. In addition, the author
made personal observations of village community life.

Conceptual Framework
Gender and development theorists often explain empowerment as a process whereby women’s
agency is enhanced and they acquire the ability to challenge and alter unequal relations, views andpractices.
Keller and Mbwewe (1991) view empowerment as a process whereby women develop the ability
to organize themselves in retaining their rights to make choices and control resources in order tochallenge their subordinate position. For Batliwala (1995), empowerment is the process that “tackles
both the condition and position of women”; that is, although attainment of women’s practical needs(improving women’s concrete conditions) is necessary, more critical is the alteration of women’s inferior position that is entangled in power relations. Batliwala argues that the process of empowerment
lies within the attainment of women’s strategic needs (to achieve gender equality). While “strategicneeds” refers to women’s enhanced agency, through which women gain equal access to and control

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over resources, equal decision-making power, and equal position, “practical needs” refers to the fulfillment of basic needs such as food, shelter, water, credit, income, health care and physical/mental wellbeing (Moser 1989). Meeting women’s practical needs means improving women’s immediate conditions
while meeting strategic need means improvement in women’s position whereby the unequal genderdivision of labor is challenged and equal transformation takes place. For Mayoux (2001), access to microcredit and income from women’s micro-business creation plays an important role in the process of
women’s empowerment. However, Mayoux is skeptical about whether women can gain both theirstrategic needs, such as equal decision-making power to men and control over their credit/income
through micro-business experiences, and their practical needs, such as proper diet and nutritious foodfor their own health and well-being.
In patriarchal societies, where men hold supreme power and control over resources, women’s
practical needs such as well-being are often at risk. Hence it would be difficult for the empowerment
process to be facilitated when even women’s practical needs remain unattained. Kabeer (2003) considers women’s access to income to be critical in enhancing women’s agency towards improving not only
the family’s well-being but also women’s own well-being. For Kabeer, women’s agency not only encompasses the family’s interest but also women’s “self-interest,” which she considers to be critical in
the empowerment process (Kabeer 2003). According to Sen (1990), for women living in patriarchal societies, self-interest and agency are shaped by the notion of obligation, which affects the choices they
make. Thus, it is considered that the agency itself is not enough to attain women’s own well-being
since it is decided by what society considers to be “good” (Beutelspacher, Martelo and Garcia, 2005).

Gender Roles and Relations in Rural Nepalese Society
Nepal is one of the least developed countries in the South Asian region, where gender inequality
prevails particularly in rural areas, which constitute the major part of the country. The United Nations Development Programme (2009) shows Nepal’s Human Development Index in rural areas to belower (0.482) than in urban areas (0.630). It also shows the rural Gender-related Development Index(0.471) and Gender Empowerment Measure (0.474) to be lower than for urban areas (0.618 and 0.527,
respectively). Nepal is a Hindu country where governing religious ideology supports the patriarchy. In
Hinduism, although people worship female Goddesses, in practice females are deemed powerless, arediscriminated against, and deprived of their basic needs; and their work is undervalued. In rural Nepalese society, the predominant type of family is the extended family, which is quite patriarchal in nature. The extended family consists of senior and junior male members of the family with their spouses and children, having the eldest male as the head of the family, who possesses the highest decisionmaking power and authoritative position in the hierarchy. In such a family, the youngest female,
mostly the daughter-in-law, who is basically considered an outsider, comes at the bottom of the hierarchy. Gender-based division of labor designates women to play a role in the domestic/ private
sphere, while men play a role in the outside or public sphere. Women’s mobility is thus restricted and102ジェンダー研究

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their opportunity for economic/market as well as political activities rather limited. Even in the everyday family practices, for example, during lunch and dinner time, women do not join in, and eat last
and the least, after serving food to all the other family members and guests, if any (Paneru, 1981). In
addition to this, in poor rural households, the nutritious foods are mainly served to men (father-in-law,husband, and son). Desirability of a son as well as male superiority and female inferiority are manifested in many aspects including household resource allocation where gender bias is evident.
Although female children survive more than male children during childbirth and immediately after birth, in low-income households of South Asian countries, health and survival trends reverse as
they grow up. This is due to discrimination in the family, namely where nutritious and adequate foodand proper and costly health care and services are prioritized for the son (Sen 1990/2001). Thus women’s health and well-being especially in low income households are often jeopardized from birththroughout life. As a result, a large number of Nepalese women (67%) suffer the symptoms of nutrition (iron) deficiency such as anemia (ADB 1997). There is further deprivation in equal opportunity to
education as sons are sent to schools while daughters are kept home to learn and actually carry out
the household chores. Girls are expected to master all the household work before marriage andobliged to take care of their younger siblings. Daughters are used as service providers and caretakers
firstly in their families of origin, and then are transferred to their husband’s household to carry on
further work, in both productive and reproductive spheres. A study by Baidya et al. (2002) shows that
Nepalese girls’ and women’s access to resources such as food, health, and education is severely limited
as compared to their male counterparts, and that their share of the workload is higher than that ofboys and men.
Due to patriarchal Hindu ideology that regards the son, a financial asset to parents in their oldage, to be the only way to heaven, investing on sons is seen as a security, while spending on daughters is seen as a waste. Thus, the women’s role is restricted inside the household from their childhood,
while the men’s role is open to the world outside the home (at school, college, office, market, etc).
Moreover, while the men’s role in the household is only that of the primary income earner (breadwinner), women are expected to perform multiple roles not only inside the household but also at times
outside the household (casual paid work), which remains largely invisible and undervalued as compared to men’s breadwinner role. Nonetheless, despite their multiple contributions to the household
and family’s survival, due to their socio-economic vulnerability, it becomes a question of their own
survival when they are denied even basic human needs.

Overview of Women’s Micro-business Creation
Business opportunities for women in rural Nepal are mostly at the micro level consisting of traditional family enterprises, both farm and non-farm based. These enterprises have mostly been undertaken as a livelihood strategy, where subsistence agricultural products are limited for consumption tostrengthen the household economy within the growing market based economy (ADB 1997). Against

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this background, with the aim of poverty reduction in rural subsistence households, microcredit programs are being implemented to include poor rural people in the market economy and thus raise therural household’s standard of living through small business creation. Considering the fact that poverty
has the woman's face, these programs often target women as future entrepreneurs who will not only
get their families out of poverty, but also empower themselves with economic power (ADB 2003).
MCPW is one such strategy that was implemented in Lalitpur, Nepal. The project targeted only
women as its members and encouraged them to start their own non-farm based micro-businesses.
With the loan and micro-business skills training from the MCPW, most of the rural women initiatedmicro-businesses such as vegetable, livestock, and poultry farming. A few opened a retail shop, or engaged in metalwork, handicrafts, dressmaking, or other cottage industries.

Views on Women’s Micro-business Creation
Aside from economic factors, socio-cultural factors play a crucial role in facilitating or impeding
gender equality. It is, therefore, imperative to understand how the society, family and community
views, and accepts or rejects, changes in gender roles and relations, as this may lead to importantchanges in gender power relations in society (Kantor 2002).
In the present case study, the elders in extended families, either father-in-law, being the head of
the family, or mother-in-law, being the elder female of the family, were fond of controlling theirdaughters-in-law, outsiders who were brought in to the house mainly for reproduction and caregiving
tasks important to run the family. During the focused group discussions (FGDs), women living in extended families explained, “We have to obey what our father-in-law and mother-in-law order us to do…even in making small decisions we have to ask for their permission, such as when we want to visit
our own parents’ house, we can only visit with their permission.” On the other hand, their relationshipwith their neighbors was good, but after the start up of the micro-business, seeing their freedom ofmobility, the neighbors couldn’t stop gossiping about them. The women from the FGDs reported theirneighbors (mostly elder females and males) made remarks such as, “Look at that lady, she is wearinga sari (modern female Nepali dress) and going out of the house, what a shame!”

Poverty Alleviation—Whose Well-being?
Prior tothe start of the women’s micro-businesses, their families were facing dismal conditions.

The only source of income came from men’s earnings from agricultural production, which was notenough to live a decent life, considering the increase in family members (children) and their growth.
With the start up of their micro-businesses, the women were able to augment family income withincome of their own. In general, most of the family members in the households have benefited fromthe profit from the women’s businesses, which is invested in meeting family/household’s needs, children’s education and nutrition, and husband’s needs among others. For instance, being interested in104ジェンダー研究

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pig raising, one of the women received microcredit and started a business. She earned a good profit
and not only repaid the loan on time, but also was able to contribute more than 50 % of the total
household income. She spent all her income on the family and household needs, which resulted in thepoverty reduction of her household. Women can, indeed, play an important role in the household economy as a co-earner in their family. A woman whose business has been profitable says, “Before, ourchildren couldn’t go to school… even the food was not enough… my husband used to complain that
he is facing hardship… now most of these problems are solved…our children go to the boarding
school…we have enough food in the kitchen…my husband is quite relived as he does not have to facehardship like before.” 4Additionally, whereas some families’ well-being has been ensured with women spending more on
children and family’s needs, negative impacts on women’s well-being are also evident. One woman,echoing other women interviewees, says, “Before, our family was unable to afford enough food or nutritious food for everyone…and with women being the last to eat, sometimes there was no food left
for me…now because of my business income, we have enough nutritious food…but I still eat last, andthe food is the leftovers (most of the time stale).” 5
Table 1 shows the impact of women’s micro-business income on family’s well- being as compared
to women’s own well-being. While the family’s nutrition has increased, women still eat last and often
stale food, which has negative effects on women’s health. At the focus group discussions, women fromextended families reported that the food allocation in the household is still under control of malemembers such as the father-in-law and husband. Moreover, in some cases even women’s loans and/or
income goes into the hands of either father-in-law or husband. Hence women lack the freedom tospend their earnings as they choose. Despite their income contribution, they still cannot exercise decision-making power and control over the resources.
In addition to this, women’s work has multiplied with the micro-business creation. Women now
have to juggle work at home, in the farm as well as in the business. Women from both nuclear andextended families echoed each other, “Now our head aches more and our body pains more… it wasless painful when we were not involved in business activities…whereas we used to work for twelve
hours a day with at least two hours of rest, now we work day and night…it is quite intolerable when
we not only have to manage our business, but we also have to take care of our children, husbands, elders and complete all the household and farm work.” Most of the women reported that they had towake up early and sometimes have no sleep in order to carry out both family and business activities.
Their working hours have stretched from twelve hours to fifteen to eighteen hours a day without
time for relaxation. Most of the women were suffering from one type of sickness or other, such as
anemia, joint pain, severe headaches and stresses.
Consequently while juggling with multiple works, women are now performing dual roles of both
caretaker/homemaker and income earner. Hence, although household poverty has reduced and family’s well-being improved, women’s hardships and ill-health have increased. Indeed, “poverty has awoman’s face” (UNDP 1995).

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Table 1. Women’s Income Contribution toward Household Poverty Alleviation

Prior to Women’s Micro-business Creation

After Women’s Micro-business Creation

Family living in poverty

Poverty reduced in the family

Women’s non-monetary contribution (unpaid caregiving and household work) undervalued as compared to men’s monetary contribution

Women’s earnings from micro-business fulfilledfamily’s needs, husband relieved from being thesole income contributor, husband relaxed and ingood healthFamily surviving on poor, unhealthy food; women
eat last and the least

Family members’ (the elders, male members, children) health improved with enough food andproper nutrition, but women still eat last and theleftovers (stale food)Unable to afford children’s education with only
the husband’s income

Children can even go to private boarding schools

Women working mainly in the domestic sphere(household chores, agricultural farm)

Women multi-burdened with domestic, caregiving, farm, and business-related work

Nuclear Versus Extended Family
In rural Nepal, women’s lives depend upon their family type. The most prevalent type of familyis the extended family, which consists of different generations, namely senior and junior members including their children. The nuclear family, consisting of husband, wife and their unmarried children, isslowly emerging in Nepal.
In general, most of the women did not face a problem in setting up their microenterprises. However, in the extended family, not only did women lose their loans to their father-in-law or husband,
but also their earnings and profits were most of the time used by men. Business performance as wellas its success or failure depends on how much time one can afford for business-related activities. The
study shows that women who were already overworking in the reproductive sphere, are now multiburdened with extra work in the productive sphere without any changes in the gender-based divisionof labor. Women are still compelled to complete household work beside other reproductive activities
as expected and ordered by their family members, burdening them physically and psychologically.
One of the interviewees living in the extended family, echoing many other women, says, “Now I am
able to contribute to the household income… sometimes I earn more than my husband, but there is
no change in my household status… my father-in-law and mother-in-law are still dominant…the elders
including my husband expect me to finish all the housework before I leave the house.” 6 With little
chance to take advantage of their newfound income earning roles outside the home, the empowerment process for women has been rather slow. 7 With the taken-for-granted attitude of the household
members, women’s contribution is appreciated but at the same time underestimated. Hence women’s
position in the household has not changed: women still belong on the periphery of the hierarchy.
In the nuclear family, by contrast, women somehow kept their rights over their business and its

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income. With the bargaining power gained from their earned income, women were able to spend theincome as they chose. Since the nuclear family consists of a few core family members, women caneasily negotiate with their husband in the absence of authoritative elders. Women are second to theirhusband in the hierarchy of household position, which gives them a space to negotiate and bargain forequal decision-making power and control of resources. Thus, the household resource allocation in the
nuclear family was more equal than in the extended family. Additionally, husbands started seeing
their wives’ income being a big help in reducing their burden, and together they are slowly overcoming the patriarchal norms (such as women cannot do masculine work, women should eat last andleast, only males should eat nutritious food).
The positive gains of women living in nuclear families are somehow influencing equal outcomes
and weakening the existing power relations. However, they have failed to challenge the unequal gender-based division of labor, or their symmetrical gender relations. The women from nuclear families
at the time of this study were still multi-burdened, performing multiple tasks similar to their fellow
women in the extended family.

Business and Its Impact on Gender Equality
The study found both positive and negative impacts on women after the start up of their microbusinesses. In the extended family, although the family’s status changed from poor to decent, women’sbasic human needs such as food and health are still at stake. Moreover, it was also noticed that theattainment of strategic needs such as enhanced agency to influence household decisions and control
over resources (such as food allocation) is critical in meeting women’s practical needs (well-being).
Moser, in her study on the gender-based division of labor in South Asia, found women’s work inmost of the low-income households to be not only in the domestic (private) sphere but also in the productive (public) sphere, where women work as “secondary income earners” to men (Moser, 1989).
Quite similar to Moser’s findings, the present case study also shows that women who became self-employed and earned income work in both the private and public spheres. There are cases where theyearn more than their husbands and contribute more to their families. Nonetheless, their income isconsidered supplementary and their new income earner’srole, although appreciated, is often under-

estimated. The present study sheds more light on the changing gender-based division of labor in Nepal. It shows that as women’s work extended to the public sphere, certain alterations occurred in thegender-based

division of labor. However, these were rather unequal changes which only had further

negative impacts on women’s physical and mental well-being.
Similarly, according to the study conducted by Murthy in India, where practices of gender roles
and relations are similar to those in Nepal, female members of the microcredit project, as compared
to non-members, had more chances to eat together with male members of the family and with lessdisparity in food distribution (Murthy et al., 2002). However, Murthy’s study does not distinguish between nuclear and extended families, both of which are also prevalent in India. In relation to this, the107Sabrina REGMI Women’s Micro-business Creation for Women’s Empowerment or Family’s Welfare? Case of Nepalese Rural Women

present case study distinguishes the outcomes based on the two types of family existing in rural Nepal. While there was no disparity in food allocation among family members in the nuclear family after
women’s micro-business creation, in the extended family, women still eat last and the leftovers,
whereas fresh and nutritious foods are still served to males.
Hence in the extended family, despite women’s income contribution from their business towards
the family’s well-being, their own well-being is at risk due to the stagnant patriarchal ideology downplaying women’s agency to attain their own well-being. Women are still denied their freedom of
choice to attain their own well-being, though their agency is enhanced through their income contribution. In fact, the outcome of this case study in Nepal rather supports Sen’s (1990) analysis that inSouth Asia, the society’s norms and values influence women’s choices. Consequently their agency is
directed towards goals that patriarchal society considers “good,” giving priority to the family’s welfare, rather than their own.
While the above case was more evident in the extended family than in the nuclear family, in thelatter, husbands seem to be slowly overcoming the gender biased ideology, and to some extent women are exercising their agency through their income contribution. Nevertheless, minimal change has
been noticed on women’s roles inside the home, and their well-being, as they are still overworked, andtheir health is still at risk. Although fair household resource allocation and the recognition of their income contribution represent a few gains in the retention of a co-earner position in the household,women are still not relieved from their household work. Similar to the women in extended families,
women in nuclear families are suffering from multiple burdens and long working hours. Therefore, it
can be said that in general women’s business creation has rather hampered women’s well-being andagency, and has failed to influence the prospect for overall gender equality.
In Nepal’s patriarchal society, where even women’s basic needs such as food are under the control of men, women’s capability to earn income from micro-businesses does not necessarily ensure
their practical needs. Unless their strategic needs such as equal decision-making power, fair divisionof labor, and equal position in the household are met, gender inequality in terms of unequal power relations and unfair division of labor will continue to hinder women’s empowerment.

Conclusion
Programs on microcredit and micro-business creation are often geared towards improving women’s condition or meeting practical gender needs more than towards gender equality or strategic gender needs. The present case study, though exploratory in nature, shows that in Nepalese society, it is
crucial to attain strategic gender needs even in order to attain women’s practical needs. Pertaining to
the present case study, although the women in the nuclear family have been able to use their agency
towards decision-making and negotiation, they have not been able to challenge the gender-based division of labor that is rooted in the Hindu patriarchal ideology. While in general, women may be able toexercise their agency by contributing to the household income and family’s well-being, this may not108

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necessarily bring positive impacts in their own well-being, as the socio-cultural norms and expectations become constraints to women’s choices. The ingrained power structure in rural Nepalese society
which is shaped by the traditional patriarchal norms and values 8 has implications for women’s capability to make choices as per their need that is strategic enough to influence gender equality.
Aside from this, running a business not only requires women to have skills training and seedmoney, but it also demands enough time and mental preparation for taking up the overall management role and responsibility. As for the rural Nepalese women in this study, while they have to physically and mentally get involved in the business activities, they are not exempted from completing thedaily back-breaking work, inside the house and on the farm, that has a direct impact on their healthcondition. Self-employment has been regarded as women’s breakthrough from the “glass ceiling” to amore meaningful, autonomous, flexible and satisfactory life (ILO2004). However, looking at the cases ofrural women in this study, self-employment has in fact been unable to contribute toward breaking
the glass ceiling. Moreover, with the goals set by the development programs to reduce women’s
drudgery and increase their empowerment, it is quite ironic to find that with micro-business creation,
women’s physical burden has in fact increased. At the cost of women’s multiplied work and increased
burden, which affects severely their physical and mental condition, the well-being of their families has
been improved and the husband’s workload lessened.
Women’s role as a caregiver in the family is taken for granted, at the same time women’s income-earning role has been overly promoted in order to achieve the overall poverty alleviation objective. This leaves no room to look into how women perform the dual role of family caregiver and income earner and at the same time attain their own needs. Leaving these questions unexplored,household poverty reduction alone will not bring about equal outcomes while the structural constraints remain.
The World Bank reports that societies with a high level of gender inequality experience a higher
level of poverty, slower economic growth, weak systems of governance, and a lower standard of living(World Bank 2001). Nevertheless, as described in the present study in Nepal, although poverty reduction in the household improves and the standard of living rises, gender inequality does not necessarily
decrease. Although the microfinance project may benefit from women’s enhanced economic gains,
women themselves may not benefit from the project’s attainment or outcomes. Therefore, development projects such as this one using microcredit should be critical about using the short-term strategy to empower women only through increasing economic gains. It should pay due attention and attach great importance to the structural inequalities or long-term strategic gender needs. Genderanalysis needs to be incorporated in a project’s activities at all its stages, not only when examining
gender roles and relational and household power dynamics, but also when assessing the structural
factors that impede the process of women’s empowerment. In order to achieve the ultimate goal ofgender equality, development projects need to formulate strategies that would help tackle the structural factors that have a negative impact on women’s well-being.

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Approved on December 10, 2010

Notes
1

Lalitpur is situated on a small plateau across the Bagmati River in Kathmandu valley. It is seven kilometers from thecapital Kathmandu with around 150,000 inhabitants. This paper presents a study in one of the villages (approximate
population of 2,510) of Lalitpur District where the MCPW was implemented.

2

In Nepal, the caste system applies to social stratification that is influenced by Hindu religious views. The caste system ishierarchical in nature, placing Brahmin (Priests) in the highest position, Kshatri (Warriors) in the second position, Vaisya(Merchants and Traders) in the third position, and Sudhra or Dalit (Untouchables, Artisans) in the lowest position. There areoften differences created based on the caste system whereby the lowest caste receives extreme discrimination anddisadvantage compared to higher castes.

3

In rural Nepal, there are still certain areas occupied mainly by certain group of people. The village where the present
study was conducted was occupied mainly by Brahmin and Kshatri who were the poorest in Lalitpur district. Hence,
majority of the project beneficiaries were high caste poor women.

4This was evident among women living in both nuclear and extended families.

5This was evident among women living in extended families.

6

In some cases both mother-in-law and daughter-in-law from extended families have been involved in MCPW. In such cases
daughter-in-laws were found to be less attending the social gatherings, business trainings, group meetings and so on due totheir multiple works while mother-in-laws were present for themselves as well as on behalf of their daughter-in-laws. On theother hand, in the nuclear family sometimes husbands would attend the meeting on behalf of their wives, while wives werebusy doing household plus business work.

7

This was more common among younger women beneficiaries (daughter-in-laws) and less common among older women
beneficiaries who were mostly mothers-in-law.

8

Such as, a man becomes unmanly if he does women's work; a woman is born to serve her husband and his family; husband
is God; women should eat last and least.

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