A study of barriers to the uptake of microfinance for improving sanitation facilities for poor women

Suneeta SATHYE, Dhanmanjiri Sathe, Milind SATHYE, Sunil Agarwal

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    Abstract

    The study aims to identify barriers to the uptake of microfinance for the improvement of sanitation for poor women in India. A qualitative approach is used. It involved conducting in-depth interviews with 27 slum-dwelling women, and ten bank officials, NGOs, and municipal corporations. The main demand-sidebarriers to uptake were lack of knowledge about financing availability, no perceived need for microfinance, and general inertia towards safe sanitation. The supply-side barriers were high risk, lack of funds for urban household toilet construction, and low return on loans for such purposes to financial institutions. In conclusion, because the municipal corporation uses public funds to meet the costs of construction, the community expects the corporation to provide toilets for the slums, thereby obscuring the perceived need for microfinance. Other developing countries facing similar issues may like to consider restricting public funding for sanitation and put the responsibility on the households to build such facilities out of microfinance.
    Original languageEnglish
    Pages (from-to)317-329
    Number of pages13
    JournalIndian Journal of Economics and Business
    Volume13
    Issue number3
    Publication statusPublished - 2014

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    Microfinance
    Sanitation
    Slums
    Household
    Public funding
    Developing countries
    Financial institutions
    In-depth interviews
    Costs
    Loans
    Responsibility
    Supply side
    India
    Financing
    Qualitative approaches
    Inertia
    Non-governmental organizations

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    abstract = "The study aims to identify barriers to the uptake of microfinance for the improvement of sanitation for poor women in India. A qualitative approach is used. It involved conducting in-depth interviews with 27 slum-dwelling women, and ten bank officials, NGOs, and municipal corporations. The main demand-sidebarriers to uptake were lack of knowledge about financing availability, no perceived need for microfinance, and general inertia towards safe sanitation. The supply-side barriers were high risk, lack of funds for urban household toilet construction, and low return on loans for such purposes to financial institutions. In conclusion, because the municipal corporation uses public funds to meet the costs of construction, the community expects the corporation to provide toilets for the slums, thereby obscuring the perceived need for microfinance. Other developing countries facing similar issues may like to consider restricting public funding for sanitation and put the responsibility on the households to build such facilities out of microfinance.",
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    A study of barriers to the uptake of microfinance for improving sanitation facilities for poor women. / SATHYE, Suneeta; Sathe, Dhanmanjiri; SATHYE, Milind; Agarwal, Sunil.

    In: Indian Journal of Economics and Business, Vol. 13, No. 3, 2014, p. 317-329.

    Research output: Contribution to journalArticle

    TY - JOUR

    T1 - A study of barriers to the uptake of microfinance for improving sanitation facilities for poor women

    AU - SATHYE, Suneeta

    AU - Sathe, Dhanmanjiri

    AU - SATHYE, Milind

    AU - Agarwal, Sunil

    PY - 2014

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    AB - The study aims to identify barriers to the uptake of microfinance for the improvement of sanitation for poor women in India. A qualitative approach is used. It involved conducting in-depth interviews with 27 slum-dwelling women, and ten bank officials, NGOs, and municipal corporations. The main demand-sidebarriers to uptake were lack of knowledge about financing availability, no perceived need for microfinance, and general inertia towards safe sanitation. The supply-side barriers were high risk, lack of funds for urban household toilet construction, and low return on loans for such purposes to financial institutions. In conclusion, because the municipal corporation uses public funds to meet the costs of construction, the community expects the corporation to provide toilets for the slums, thereby obscuring the perceived need for microfinance. Other developing countries facing similar issues may like to consider restricting public funding for sanitation and put the responsibility on the households to build such facilities out of microfinance.

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    KW - poor women

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