Experience has shown that they have a high success rate in repayment of loans, effective loan utilization and redistribution of surplus income to the family and community. Further, those most in need are usually more reliable than others in terms of ensuring that collective goals are met. Exclusive targeting of participants like this is often criticized for being expensive due to the labour-intensive fieldwork required. However, the authors argue that this need not be the case. Clear procedures and examples are provided for conducting needs assessments and evaluating assets and liabilities, that can be accomplished quickly in a cost-effective way.
Motivation is crucial to get people involved and committed to stay in the programmes.
Suggestions are provided for helping participants identify their own needs and potential benefits that can develop into an empowering process for them. Includes exercises to illustrate concepts and strategies described. A very practical guide to simulation exercises and games which can be used for female microentrepreneurs. Ten lessons include how to approach business problems, scoping the market and improving skills. Pictures and diagrams are ready to photocopy.