From Exclusion To Empowerment: Assessing Microcredit Impact On Women’s Economic Life Improvement De la exclusión al empoderamiento: evaluación del impacto del microcrédito en la mejora de la vida económica de las mujeres

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Khan A. J., Fayyaz S., Qiqauri İ., Khan S., Popescu F.

Revista de Economia Mundial, vol.71, pp.113-133, 2025 (SSCI, Scopus) identifier

  • Publication Type: Article / Article
  • Volume: 71
  • Publication Date: 2025
  • Doi Number: 10.33776/euhu/rem.v71i.8612
  • Journal Name: Revista de Economia Mundial
  • Journal Indexes: Social Sciences Citation Index (SSCI), Scopus, Fuente Academica Plus, ABI/INFORM, EconLit, Public Affairs Index, Directory of Open Access Journals, DIALNET
  • Page Numbers: pp.113-133
  • Keywords: Economic Life Improvement, Empowerment, Inequality, Microcredit, Small Medium Enterprise, Sustainability
  • Open Archive Collection: Digital Heritage Collection
  • Azerbaijan State University of Economics (UNEC) Affiliated: Yes

Abstract

This research investigates the economic lives of women, in Bahawalpur, the southern Punjab region of Pakistan, with a particular emphasis on personal empowerment. It examines the key features of microcredit, including loan duration, loan size, loan-related training, loan purpose, and loan type. Data is obtained through a survey and analyzed using multinomial logit and probit models. Worsen, same, and improved were the three categories of economic status used in the study. The findings suggest that the likelihood of a deterioration in the economic circumstances of women decreases as the loan duration increases. Indeed, the impact of loan purpose and loan size is not entirely evident; in certain instances, their impact has been determined to be somewhat weak or ambiguous. The findings indicate that the success of microcredit is contingent upon the loan’s structure, as well as the attendant support and availability of funds.