Archive for category: Women’s Empowerment

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Girls’ Education in Kenya

Girls' Education in Kenya
In 2003, Kenya first introduced what is known as free primary education. Since then, primary school enrolment rates have increased as much as 84 percent in some regions; a great improvement for the country as a whole. However, the reality is that barriers remain in Kenya that reinforce male privilege. A lack of girls’ education in Kenya is one of these barriers.

Low School Enrollment for Girls

In regions that experience high poverty rates and low levels of gender equality, as little as 19 percent of the girls in the region are enrolled in local primary schools. In others, as few as one in 15 girls are enrolled in primary school. There is an obvious gender gap when it comes to girls’ education in Kenya.

Although primary education may now be free in Kenya, families are still responsible for providing the children with the necessary equipment to attend these primary schools. Often, families must prioritize the education costs of their children and make the difficult decision to send the child thought to have the best possibility of future success and keep the other, or others, home.

In rural Kenya, one in two girls is married by age 19. The legal marriage age is 16. The percentage of girls getting married below the age of 18 is 30.5 percent.

One father describes his decision not to enroll his daughter in primary school: he says he was “trying to be practical by keeping [her] home” he “never thought of education as a right” and instead focused on her future marriage. This belief and thought process is not uncommon in Kenya. Most often, the result is sending the boy to school and keeping the girl home.

A Need to Challenge the Traditions

The good news is, this thought process and belief can be changed. It is evident that laws and policy do not impact enrollment rates for girls in Kenya, so what is left? What is needed is an engagement and challenge of the traditions and culture in Kenya, specifically rural Kenya.

Traditions have a large influence on education barriers for young girls. Poverty, ignorance and male preference factor in to disadvantage young girls and their educational track.

While it is rare enough for girls to attend primary school, transitioning to secondary school or universities is almost unheard of. In Trans Mara West, 2.4 percent of the female population attends university. Even more shocking, just 1 percent of girls are enrolled in university in Narok North.

Girls’ education has been proven to be one of the most beneficial strategies to enhance development and economic growth. Educated mothers tend to have healthier children and that these children are also more likely to attend school, breaking the cycle of illiteracy and poverty.

Foreign aid and governmental efforts must now be allocated towards changing beliefs and traditions surrounding girls’ education in Kenya in an effort to increase primary school and university enrollment rates.

– Haley Hine
Photo: Flickr

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Women in South Sudan

South SudanSouth Sudan has been in conflict since 2013 and violent stories are ubiquitous for women as a civil war continues to ravage the country. Rape has become “just a normal thing,” according to one South Sudanese woman, and abuse from both rebel groups and government forces are the norm. The war has displaced two million people and the country is close to another famine. Fortunately, the urgent need of help for women in Sudan is apparent as several organizations have stepped in to assist.

Women for Women International

Through its year-long programs, Women for Women International has served more than 15,000 women in South Sudan. At least 80 percent of the country’s population lives on less than $1 a day, however, upon graduation of this program, these women report average personal earnings of $1.29, compared to just $0.12 at enrollment.

They also develop better health and well-being. One in seven women die during childbirth but, after the program, 98 percent of participants begin practicing family planning. Whereas only two percent reported family planning before enrollment. Planning also leads to a more equitable marriage. Ninety-six percent of participants begin participating in household financial decisions. That percentage sat at just five percent before the program.

The biggest hurdle they have overcome is that the women now connect. Eighty-three percent of women in the program report sharing information about their rights with others. These women “create and connect to networks for support and advocacy.” It was zero percent before the program.

The International Rescue Committee

Another major support organization for women in South Sudan is the International Rescue Committee (IRC). The IRC has been one of the largest providers of support in southern Sudan, sourcing aid for over 20 years and throughout decades of war. They have an action plan that strategizes and prioritizes its programs and focus areas through 2020.

The action plan includes:

  • Expanding the capacity of clinics and training health workers to provide better reproductive and basic health care.
  • Providing legal, medical and psychosocial support for sexual violence survivors.
  • Restoring wells and providing sanitation services to prevent disease.
  • Training community and governmental leaders on the importance of human rights.
  • Provide returning refugees with aid and job training.

Five Talents

Perhaps the biggest impact for women in South Sudan is Five Talents. Since it started in 2007, Five Talents has become one of the few organizations that have developed a sustainable model for microfinance. For the past ten years, the program has created opportunity in “areas of desperate need” working with hundreds of communities across the country. The program’s unique approach has “provided a foundation for sustainable business development in even the most difficult contexts.” The program begins by gathering both men and women in South Sudan together in local churches and teaching them to read and right and then offers financial training. To date, over 16,000 women have learned to read and write, three banks have been established and roughly 30,000 have joined community savings groups.

The training program consists of:

  • Adult education and literacy
  • Social capital development
  • Business development training
  • Household budgeting and saving
  • Biblical values in the marketplace

Since the creation of Five Talents, “tens of thousands of lives have been transformed,” both men and women.

In December 2013, the United Nations Security Council, to further help the cause, authorized the deployment of approximately 6,000 security forces, in addition to the 7,600 peacekeepers already in the country to aid in nation-building efforts in South Sudan. However, as the nation’s women continue to face desperation, the Security Council voted to shift the mission’s mandate from nation-building to civilian protection in May 2014. The road to peace and civility may be a long one for women in South Sudan, but as they and the world refuse to sit idly by, these women will prevail.

– Aaron Stein

Photo: Flickr

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Girls’ Education in India Still Requires Significant Improvement

girls' education in India
Education is a necessary component for the growth of a nation and educating girls still continues to be a problem in most developing countries. India has made quite considerable progress with an overall increase in literacy rates from 64.8 percent in 2001 to 74.04 percent in 2011, but girls’ education in India still requires improvement in a number of ways.

The Current Situation in India

The literacy rate of women, according to 2011 census, is 64.46 percent while the male literacy rate is 82.14 percent. The top states that have the largest number of literate women in India are Kerala (92 percent), Mizoram (89.4 percent), Lakshadweep (88.2 percent), Tripura (83.1 percent) and Goa (82 percent). At the same time, Andhra Pradesh, Karnataka, Kerala, Tamil Nadu and West Bengal have the largest number of women entrepreneurs in the nation.

The states that include the lowest female literacy numbers are Rajasthan (52.66 percent), followed by Bihar (53.33 percent), Jharkhand (56.21 percent) and Jammu and Kashmir (58.01 percent). Though there has been a substantial increase in the number of literate women in the past few years, the number still falls low for the entire nation.

How This Situation Arose

One of the main reasons for the lack of girls’ education in India is the male-dominated society. Even though the country is making progress, the belief that women belong in the home is still widely held.

Gender inequality is a very serious issue in the Asian nation, which is why 10 million female babies have been aborted over the past 20 years. A son’s education is given more importance because it is thought that daughters will eventually get married and live with their husband, so many believe that a girl’s education is not of much help directly to her family.

Addressing Girls’ Education in India

The government has taken numerous strategies to improve girls’ education in India:

  1. Beti bachao, beti padhao (Save daughters, educate daughters) was conceived in 2015, which addresses the issue of the declining Child Sex Ratio (number of females per thousand males aged zero to six) across the country. It is a joint initiative by the Ministry of Women and Child Development, the Ministry of Health and Family Welfare and the Ministry of Human Resources. This strategy works to stop female foeticide, increase the number of girls attending schools, decrease school dropouts, implement rules regarding the right to education and increase the construction of toilets for girls.
  2. Progress has been made in the northwestern part of India, especially in Rajasthan. New literacy efforts have been made to boost the number of girls attending school and a summer coding camp aims to introduce computers to girls.Michael Daube, an American artist and founder of a New York-based nonprofit, is raising money for an all girls’ school. Furthermore, Manhattan Architect Diana Kellogg is building an exhibition hall where female artists can display and sell their products, thus increasing employment.
  3. Jharkhand has taken a big initiative toward female education upliftment. The Jharkhand School of Education has decided on distributing free textbooks, uniforms and notebooks to all girl students from grades nine through 12.
  4. Gurgaon, located in the Indian state of Haryana, aims to provide free education to girls in grades nine through 12.
  5. The Uttar Pradesh government plans to provide a monetary incentive of 30,000 rupees to female students who have an outstanding performance in intermediate or equivalent state examinations.
  6. UNICEF is also working with the Indian government to provide quality education for all girls. As a result, Bihar has now made girls’ education a priority. A new program has been initiated in Bihar which includes education for daughters and thousands of girls are now attending school.

The situation in India may seem daunting but it is steadily progressing with time. With hope, in the coming years, girls’ education in India will achieve new heights.

 – Shweta Roy
Photo: Flickr

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Girls’ Education in Sri Lanka Part of the Country’s Gender Equality Goals

Girls' Education in Sri LankaGirls’ education in Sri Lanka has significantly improved over the last two decades. Boys and girls have equal enrollment in primary schools, and girls outnumber boys in secondary schools. Additionally, in 2011 girls consistently scored higher than boys in key subjects in the National Assessments of Learning Outcomes.

The Successes of Girls’ Education in Sri Lanka

Sri Lanka is the only South Asian country that has already achieved the United Nations’ Millennium Development Goal for gender equality at all levels of education. This is a great achievement for the small island nation, and it can be used as a model for other countries.

These achievements have been possible because the government has been committed to ensuring gender equality and improving girls’ education in Sri Lanka. In 1945, the government introduced free primary, secondary and university education for all children, regardless of gender. Additionally, the constitution provides for equal rights irrespective of sex and forms of affirmative action to ensure equality for women.

Continued Work Towards Complete Gender Equality

However, Sri Lanka does still have things to work on. While girls in the nation have access to the same education as boys and tend to do better than them in school, the statistics for adults do not quite mirror these trends. Women’s adult literacy is lower than that of men and the unemployment rate for women is two times higher than the rate for men.

This has been the case for the last three decades, indicating that while women have been given the same access to education, that education is not translating into equal employment later on in life. This is an issue that needs to be addressed by the government to ensure that girls’ access to education is really benefiting them in the long run.

NGOs Focus on Education

Of course, the Sri Lankan government does not have to face these challenges alone. There are numerous nonprofit organizations, such as the World Bank Group and the Asian Development Bank, that have partnered with the government to implement projects regarding gender equality and education. Additionally, there are a variety of independent organizations that focus on education in the nation.

Room to Read is one such organization that runs literacy and girls’ education programs in Sri Lanka, but there are also many others. The Sri Lankan government can utilize these resources and work with them to create equal opportunities for men and women both during and after their attendance at educational institutions.

Ultimately, girls’ education in Sri Lanka has been on the right track for many years. The country has shown a commitment to providing equal access to education regardless of gender, and this is a very commendable effort. While these accomplishments should not be forgotten, the government also needs to be aware of other issues of gender inequality, such as unequal employment and disparities in adult literacy. These are concerns that should be addressed through the development of new policies and collaboration with NGOs that work in the region.

– Liyanga De Silva
Photo: Flickr

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Girls’ Education in China More Accessible Than Ever

Girls' Education in ChinaChina, the world’s most populous nation, has made great strides and significant progress towards improving girls’ education. Since Deng Xiaoping’s societal reform and opening up, the country has not only made great economic improvements but has ensured growth and development in its education system. Although the country continues to take steps to improve girls’ education, there are still challenges that need to be further addressed.

Laws Mandate Girls’ Education in China

In 1986, the “Compulsory Education Law of the People’s Republic of China” Law took effect. This law required that all citizens obtain at least nine years of education, funded by the government. Before this, the greater value of males in society gave boys priority over girls to the right to an education. According to the journal Gender Inequality in Education in China, “Thanks to the compulsory education system and gender equity promotion, the gender gap in educational attainment has been greatly eliminated in the past decades.”

Rural Girls Still Struggle to Obtain an Education

As mentioned before, there are still many challenges in terms of girls’ education in China, including:

  • The priority of boys over girls to the right to education in poverty-stricken areas
  • Gender segregation between higher and vocational education
  • The education gap between urban and rural areas
  • Barriers for female educators and researchers in the workplace

A further challenge is the population of left-behind girls in China, a population of girls whose parents have moved from their village to the city to find better-paying jobs. Often times, parents are more inclined to take their sons to the city and leave their daughters behind. According to China Daily, 96.1 percent of girls in rural areas attend school from ages six to 11. However, only 79.3 percent have access to high school education. Additionally, these left-behind girls are often put in a position where they have to drop out of school and find work to provide for their aging grandparents.

Government and Nonprofit Programs Address Remaining Education Gaps

Nevertheless, the country’s government and international NGOs are working to improve such challenges to girls’ education in China. For instance, the State Council publicized its National Program for Women’s Development that worked towards development dealing with China’s women, making women’s education one of the six areas of priority.

In 2006, China’s new five-year plan incorporated more investments in education. In the same year, the state revised its compulsory education law that takes steps to improve rural students’ quality of education by “abolish[ing] tuition and miscellaneous fees for all rural students and guarantees free textbooks and subsidies for room and board.” Meanwhile, UNICEF has proceeded with its efforts in western China to improve the quality of education in poor areas, focusing on gender equality.

Furthermore, China has made significant progress in girls’ education in China in the last three decades. Female enrollment in higher education is on the rise. In 2012, female college students made up 51.4 percent of the total university student population. Women are beginning to take on more roles in science and technology. More and more programs are beginning to subsidize girls’ college tuitions. Although numerous programs have been put in place to further girls’ education in China, it is important to continue this work to improve gender equality awareness throughout the country.

– Emma Martin
Photo: Flickr

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Girls’ Education in North Korea a Modernized Aspect of Its Society

Girls' Education in North KoreaIn 2015, the tale of Yeonmi Park, a North Korean defector whose story shed light the repressive and backward nature of North Korea’s government and society, took the international media by storm. However, contrary to the usual negative depiction, girls’ education in North Korea is actually more modernized and progressive than many other aspects of its society. The statement “women hold equal social status and rights with men” was promulgated in the 1972 North Korean constitution, and to a large extent, this statement is accurate in regards to girls’ education in North Korea.

Public Education in North Korea

Only after the opening of Korea to foreign countries in the late 19th century could more Korean females gain access to modern education, with Christian missionaries establishing girls’ schools. In North Korea, education is universal and state-operated, offering free compulsory education to the secondary level, which consists of 11 years of schooling at the minimum. North Korea’s “people’s school” (primary school) and “middle-high” (secondary school) curriculum encompasses Korean language, mathematics, literature and “socialist ethics”, which refers to political and ideological subject matter.

The reported literacy rate of North Koreans is 100 percent for both men and women over age 15. This number is self-reported by the North Korean government, making its reliability questionable, but if accurate, it makes North Korea one of the most literate countries in the world. There is no doubt that the secondary education is equally accessible to men and women.

Some Obstacles to Girls’ Education in North Korea Remain

Nonetheless, some differences do exist among the varied educational programs directed at boys and girls, and there are some restrictions on higher education for women, obstructing the potential greater progress for girls’ education in North Korea.

Traditional gender roles influence the educational system in North Korea. In this patriarchal society, this is seen in the practice of separating boys and girls into single-gender schools in both the elementary and middle school levels, preventing the two sexes from receiving a uniform educational instruction. Meanwhile, there are different curriculums for boys and girls, with more emphasis on “physical education for boys and home economics for girls”.

On top of that, at the university level of education, the limitation on girls’ education in North Korea is showcased more obviously. In contrast with the high accessibility of basic education for women and men, one of the top universities in North Korea, Pyongyang University for Science and Technology, has previously only had male students. However, recent reports have indicated increasing numbers of female students at this university.

North Korean Women Work for Educational Equality

Despite the prescribed gender roles and attendant images, there are many women majoring in medicine, biology, foreign languages and literature. These North Korean women are encouraging the breakdown of certain obstinate social norms and expectations imposed on not only women, but on men as well, that may discourage students from studying the subject of their choice.

North Korea is notoriously restrictive of its people’s freedoms, and the limits placed on girls’ education are but a mild example of the government’s repression. However, the fact that North Korean girls have the educational opportunities that they do is a heartening sign of progress, and can be of great benefit to girls and women now and in the future.

– Heulwen Leung
Photo: Google

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Microentrepreneurship and Women Entrepreneurs Are Alleviating Poverty in India


Small-scale enterprises have been a large part of industrialization as well as job creation in India. As defined by the Micro, Small and Medium Enterprises Development (MSMED) Act of 2006, a microenterprise in India is a small business in which the investment in plant and machinery is no more than $ 40,000. Microentrepreneurship and women entrepreneurs are alleviating poverty in India, particularly because up until the past couple of decades women were a largely untapped source of economic potential.

Women Entrepreneurs in India

The Government of India has defined women entrepreneurs as those whose enterprise has a minimum financial interest of 51 percent of the capital and is made up of at least 51 percent female workers. Although rural women in India are mainly responsible for agricultural production, domestic duties and childcare, their economic status is low in a male-dominated society. Women in India have been able to raise their economic status and fight poverty in their country by taking charge of microenterprises.

Increasing the participation of women in micro, small and medium enterprises is an important stepping stone to alleviating poverty in India because not only does it engage women in productive work outside their homes, but it also empowers them and improves family health. In addition, women entrepreneurs can provide society with different management, organization and business solutions because of their different perspectives and skills.

Self-Help Groups (SHGs)

One major resource for women entrepreneurs in India are the Self-Help groups (SHGs) provided by the Government of Bihar and supported by the World Bank. These groups are part of what is known as “Jeevika”, the Bihar Rural Livelihoods Project. (“Jeevika” means “livelihood” in Hindi.)

SHGs provide skills training, access to markets and finance as well as business development services. There are 45 million rural women in India who have been empowered by these SHGs under the National Rural Livelihoods Mission (NRLM) in 2011. The NRLM has saved $ 1.4 billion, leveraged $ 20 billion from commercial banks and is helping nearly 3.3 million women farmers increase agriculture and livestock productivity. Here are some success stories that, with the help of such programs, show how women entrepreneurs are alleviating poverty:

  • Nearly 800 rural homes in Gujarat have partnered with Airbnb to generate incomes averaging $ 500 a month. This service enterprise was made possible by the Self Employed Women’s Association (SEWA) that helped the homes to make official connections. In addition, tourism operators plus culinary and transportation services have been benefiting from local Airbnb homes.
  • Kiran Devi, due to resources from a self-help group in Bihar, went from stitching two to three pieces of clothing every day, ending up with blisters on her hands to directing the Aranyak Producer Company. Her farmer’s production company has adopted technological solutions to aggregate maize from small farmers and deliver better prices to over 6,000 maize farmers in the Purnia district of Bihar. Her company enhances agriculture and livestock productivity for small-scale women producers by helping them form producer groups in each village to aggregate produce, train and control quality. They even directly connect the market to these women farmers who would have sold their produce to local middlemen.
  • Technical assistance partners have increased the success of artisan groups in Madhubani, Bihar through design upgradation and implementation of e-commerce platforms.
  • Women Entrepreneurs India (WEI), an independent initiative, helps women entrepreneurs develop skills by providing training programs, financial education, motivation, mentorship and support with product and services marketing. Some of the home-based business options they suggest include retail consulting; home-based food services and delivery; event planning; writing; marketing; online translating; fitness; and fashion and jewelry design.

Future of Microenterprises

Women have, therefore, been able to use household skills to knit, stitch, weave and embroider for developing their microenterprises. They have also been able to use their technical skills and raw farm materials to earn substantial incomes and small agricultural units.

In conclusion, one reason the future of economic growth in India looks bright is that women entrepreneurs are alleviating poverty with their growing microenterprises. That is to say, the empowerment of women in India goes hand-in-hand with the auspicious development of microenterprises.

– Connie Loo
Photo: Flickr

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Gogo Olive Changing the Lives of Zimbabwean Women

Gogo OliveSeventy-two percent of Zimbabweans live under the national poverty line, making it the 22nd poorest country in the world. Gogo Olive is a charity whose focus is to mitigate some of the problems faced by Zimbabweans, specifically women. Here is how one charity is changing the lives of Zimbabwean women.

The Problem: Difficulty Making a Living

One hardship faced by many women is HIV/AIDS, a disease that affected 1.3 million Zimbabweans in 2016. This results in many widowed parents who have to provide for their families by themselves. Providing for their households, however, is a difficult task when job opportunities are so limited. The unemployment rate in Zimbabwe is currently at 11.3 percent, and increases when excluding the large numbers of subsistence farmers and those working in the informal economy. This, however, is not the main problem for Zimbabweans.

The real problem, according to the International Labour Organization, is the poor quality of employment, characterized by low wages, no sick leave for employees and poor working conditions. In this way, the great need in Zimbabwe is decent jobs. Gogo Olive has met this need by employing women to knit goods, primarily in the form of knitted animals.

The Solution: Gogo Olive

Gogo Olive was founded by Julie Hagan as a way to create jobs for six women through knitting. Since its inception in 2008, the charity has grown to include about 80 knitters who produce hundreds of these knitted animals each month. According to the website, “Knitting was chosen as it only requires basic materials and can be done anywhere and at anytime, which suits the lifestyle of a Zimbabwean woman.”

The charity operates on two levels. Gogo Olive Knits creates jobs and generates income for women by selling their knitted products. Gogo Olive Cares focuses on meeting the other needs of the women. This includes establishing savings plans, running educational workshops, distributing care packages, and setting up an emergency fund to help with health costs and school fees. This is how one charity is changing the lives of Zimbabwean women: they not only provide an income, they also include additional benefits that have no doubt helped the poor greatly.

Gogo Olive Knits presents a flexible way to earn income. The knitters are paid monthly for each product they produce. According to Ruth Hagan, they can earn up to $250 monthly.

An additional benefit of working for Gogo Olive is the educational workshops. The majority of the knitters have had little education, a problem which keeps them in the poverty trap. Some of the topics covered are budgeting, HIV/AIDS awareness, healthcare, single parenting and farming techniques.

Beyond Income: Gogo Olive Cares

Gogo Olive Cares also provides an emergency fund for people in special circumstances. This includes school fees for their children and medical fees for medication or treatment that the women would otherwise be unable to afford. Ruth Hagan shared a story about one of the knitters who received a payment from the emergency fund. “In January, one of our knitters accessed the fund which allowed her to have a hip replacement following living in considerable pain for a number of years.” The knitter, Florence, is now back at work and able to walk with a crutch.

The benefits extend far beyond simply meeting physical needs. Ruth explains, “We love that we are able to teach a skill and offer employment to many ladies. Not only does this allow them to make enough money to feed their children and pay for school fees but it also gives them each a sense of value and worth as they have meaningful occupation.”

Ruth Hagan said of the experience, “It is great to be a part of positively impacting lives of so many in Zimbabwe.” Seeing how one charity is changing the lives of Zimbabwean women goes to show that any good deed, big or small, can have an immense impact.

– Olivia Booth
Photo: Flickr

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20,000 Women March for Women’s Rights in Belize City

Women’s Rights in BelizeCountries around the world celebrate March as International Women’s Month, and Belize is no different. On March 16, 2018, the country hosted its annual 20,000 Strong rally for women’s rights in Belize. Women traveled from all over the country to Belize City to add their voices to the thousands of empowered women making a statement about gender equality. Wearing orange and supporting the businesses of other women, attendees made a public statement that they refuse to live in fear.

The 20,000 Strong Rally

The 20,000 Strong march began in 2014, boasting the slogan “Imagine a Belize Without Women.” Women were encouraged to take the day off from work in order to demonstrate how Belize is dependent on its women. Attendees were asked to wear orange clothes to show support for the UNITE Campaign, a U.N. campaign focused on ending violence against women around the globe.

The National Women’s Commission planned the event and executed it with the help of several other government departments. Speakers came to empower the women in attendance and encourage conversations about solutions for gender-based violence and women’s rights in Belize.

Initiatives like the 20,000 Strong march are critical for ending violence against women in Belize. The country has historically been a dangerous place for women to live. Abuse, rape and trafficking are real threats to women and children in Belize. While the 20,000 Strong march has always had special significance for women’s rights in Belize, the 2018 march could not have come at a more appropriate time.

Coming Together for Justice

On March 1, Belizeans awoke to the news that a 17-month old had been violently raped by her stepfather. She died on March 4, and Belize took to the streets on March 5 to call for justice. Belizeans gathered outside the courthouse in Belize City during the stepfather’s trial, demanding that justice be served and action be taken to protect children from heinous abuse.

The horrifying events of the month added fuel to the flame of the 20,000. On March 16, thousands of children joined the marchers, adding their voices to the conversation about women’s rights and violence against women. The coast guard, the Belize Defense force, the police and the First Lady of Belize joined the march, a crucial demonstration of the government’s support of women’s rights in Belize. Along with hosting speakers, some of whom are in high school, the event also supported Belizean small businesses operated by women.

The State of Women’s Rights in Belize

Women’s rights have been a point of concern for Belize. While rape is illegal, the justice system rarely convicts rapists, typically because the accuser cannot testify for fear of physical retaliation. Domestic violence records contain similar patterns. Belize has laws designed to combat sexual harassment, but they are not incredibly effective in practice. Employers are also mandated to pay men and women the same, but the pay gap and unemployment gap remains substantial. Furthermore, female representation in the government is low, with only 3 percent of Parliament members being women.

Female empowerment initiatives speak strongly to the direction Belize is headed. These women (and men!) are coming together and brainstorming ways to inspire change. With the support of the government, legislation is sure to follow that will improve conditions for women. The high attendance from schoolchildren also provides substantial hope for the future. More than 50 percent of Belizeans are under the age of 25, so they will set the direction for the country in the next few decades. With empowered women and children, Belize can look forward to better equality in the future.

– Julia McCartney

Photo: Flickr

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Digital Finance is Empowering Women in Bangladesh

Digital Finance is Empowering Women in Bangladesh

Recent innovation in digital finance is empowering women in Bangladesh by meeting their unique financial needs and capabilities. While 90 percent of Monetary Financial Institutions’ 21 million clients are women and 35 percent of Bangladesh women hold a bank account, women make up only 18 percent of digital finance users in Bangladesh.

Some of the barriers that hinder the inclusion of women in digital finance are low mobility, cultural barriers in male-dominated markets and English illiteracy incompatible with English-language phone menus. Women in Bangladesh also face low financial literacy, so they require guidance and training in order to benefit from increasingly more prevalent mobile-based platforms.

In addition, members of a typical household in low-income countries share one mobile phone. So, it makes sense that more than just having a registered mobile money account in her name is necessary in order for a woman to be financially included in Bangladesh.

Most low-income women in Bangladesh currently turn to insecure and informal saving mechanisms like keeping emergency funds stashed at home, buying excess stock for their business, using clay money boxes  or working with neighborhood savings groups. This puts their savings at risk of loss due to natural disasters or theft. It is no wonder, then, that it is difficult for women to save money for their futures, to pay school fees, to attain loans and to afford healthcare and insurance.

Saving money is particularly important to women. In Bangladesh, since women are dependent on their male spouses to provide for their families, they lack a safety net if their husband dies or abandons them. This makes women more vulnerable to health risks and death than men.

One innovation through which digital finance is empowering women is the human-centered designs financial service providers have been developing that are more intuitive, easy-to-use and affordable. The Bangladesh Rural Advancement Committee, an organization devoted to alleviating poverty by empowering the poor, started a training program for women in remote areas to learn how to handle mobile money.

Some other efforts that address the digital inclusion gap are:

  • Dutch-Bangla Bank Limited’s signing with 245 garment factories to distribute salaries to garment workers (mostly women) with accounts through agents, ATMs and client-initiated mobile transactions.
  • The Asia Foundation’s new program that will assist women entrepreneurs in using digital financial services and in using e-commerce to reach new markets.
  • Swosti’s new “mobile credit card” for depositing money and withdrawing emergency loans.
  • Grameen Bank’s creation of the concept of microcredit to be used by low-income women.

Some potential improvements that have been suggested further demonstrate how digital finance is empowering women. Some of the propositions include promoting government transfers and increasing the access women have to registered accounts by changing identity requirements and allowing for one-to-one interactions with women agents and sales representatives to improve communication and prevent harassment.

Other suggestions include making additional banking services that improve financial security for women available such as loan payments, insurance and long-term savings. Digital savings accounts would enable women to save small amounts of money as frequently as they want. It has also been suggested to make use of various channels of accessing finances to simplify the interface of mobile finance platforms.

There are so many financial possibilities that digital finance can make possible for women in Bangladesh. By considering the barriers to financial inclusion, the country is well on its way to improving the lives of its women and their families.

– Connie Loo

Photo: Flickr