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dc.contributor.advisor임은미-
dc.contributor.authorABAGODU, Amina Mohammed-
dc.creatorABAGODU, Amina Mohammed-
dc.date.accessioned2016-08-26T03:08:17Z-
dc.date.available2016-08-26T03:08:17Z-
dc.date.issued2013-
dc.identifier.otherOAK-000000077911-
dc.identifier.urihttps://dspace.ewha.ac.kr/handle/2015.oak/205406-
dc.identifier.urihttp://dcollection.ewha.ac.kr/jsp/common/DcLoOrgPer.jsp?sItemId=000000077911-
dc.description.abstractEthiopia is among the poorest Sub-Saharan African countries with substantial number of Muslim populations, comprising 33.8% of the country’s population. In Muslim dominated regions of Ethiopia, such as Afar, Somali, Oromia and Dire Dawa, the majorities of women live at the economic margin and experience among the highest levels of poverty in the country. Despite the high rate of poverty and unemployment, women’s access and participation in microfinance in Muslim regions is the lowest as compared to other non Muslim regions in the country. Generalizations are oftentimes made about Muslim women that religion limits their access to resources, such as microfinance. Thus, the paper sought to find out whether religion is really the main factor for Muslim women’s low access to microfinance or it is other institutional factors in the micro finance sector that are limiting women’s access to microfinance and their empowerment. The findings of the study revealed that, it is not so much religion which is prohibiting women from getting access to resources such as microfinance and participating in economic activities. Rather it is institutional factors in the microfinance sector mainly, territorial prejudice in microfinance distribution, non inclusive microfinance policy, uniform application of microfinance lending methodology, which doesn’t consider the specific contextual situation and Islamic culture within which the women live, and it is due to lack of availability of alternative microfinance service, like an interest-free financial products, to cater the needs of sizable Muslim population in the country. Muslim women are also victims of financial exclusions of microfinance lending methodology which predominantly focus on supporting farming activities by excluding informal sectors such as cross border and petty trade, which are the dominant economic activities of women in Muslim regions. The high government monopoly over microfinance sector and the political influence over distribution of the service as well as the unbalanced regional development, which left most Muslim regions without the basic infrastructure and resources including banks and microfinance institutions, are also part of the problems that significantly affected women’s access to microfinance and their economic empowerment.;사하라 이남의 가장 가난한 국가 중의 하나인 에티오피아는 상당수 인구가 무슬림이며 전체 인구의 33.8%에 해당한다. 에티오피아에서 무슬림이 지배적인 아파르, 소말리, 오로미아 그리고 디레다와 같은 지역에서는 대다수의 여성들이 가장 심각한 가난을 겪으며 살고 있다. 높은 빈곤율과 실업률에도 불구하고 무슬림 지역의 소액금융대출에 대한 여성의 접근 기회와 참여는 에티오피아의 다른 비무슬림 지역과 비교해서 가장 낮다. 종종 무슬림 여성들에게 있어 종교는 소액금융대출과 같은 자원에 접근하는 기회를 제한한다고 여기는 것이 일반적이다. 따라서, 이 논문은 종교가 정말 소액금융대출에 대한 무슬림 여성의 낮은 접근 기회의 주요 요인인지, 혹은 소액금융 부문의 다른 제도적 요인이 여성의 소액금융대출의 접근 기회와 자율권을 제한하는 것인지를 알아보고자 한다. 연구 결과는 종교가 여성을 소액금융대출과 경제 활동 참여와 같은 자원에 접근하는 기회로부터 제한하는 것이 아니라는 것을 보여준다. 오히려 소액금융대출 분배의 지역적 편견, 폭넓지 못한 소액금융대출 정책, 획일적으로 적용된 소액금융대출 방법론 등 주로 소액금융대출 부문의 제도적 요인에 있다. 이는 구체적인 전후 사정과 여성이 살고 있는 이슬람 문화를 고려하지 않았고, 상당수 무슬림 인구의 필요에 부응하는 무이자 금융 상품과 같은 대체 소액금융대출 서비스의 가능성이 없기 때문이다. 무슬림 여성들은 또한, 무슬림 지역에서 여성들의 지배적 경제 활동인 국경 거래와 소액 거래와 같은 비형식적 부문을 제외함으로써 농장 활동 지원에 대부분 집중된 소액금융대출 방법에서 재정적으로 제외된 피해자이다. 소액금융대출 부문에 대한 높은 정부 독점과 금융서비스 분배에 대한 정치적 영향력, 게다가 대부분 무슬림 지역이 은행과 소액금융대출 기관을 포함한 기본적인 사회기반 시설과 자원 없이 남겨진 지역 발전의 불균형은 여성의 소액금융대출의 접근 기회와 경제적 자율권에 중대한 영향을 끼치는 문제의 일부이다.-
dc.description.tableofcontentsI. Introduction 1 A. Conceptual Framework 11 II. Literature Review 13 A. Poverty and its women’s face 13 B. Poverty among Muslim societies 15 C. Microfinance for the poor 16 D. Global outreach of Islamic microfinance 19 E. Microfinance and women’s Empowerment 23 F. Access to microfinance 25 G. Women’s empowerment in Muslim context 28 H. Conflicting approaches on micro finance and its role for women’s empowerment 33 I. How important is cultural context in microfinance programming? 39 III. Country Background 42 A. Geography, History, Ethnicity, Religion and Demography of Ethiopia 42 B. Poverty 47 C. Education 49 D. Unemployment 50 E. Microfinance in Ethiopia 53 1. Low women’s microfinance participation in Muslim dominated regions 55 IV. Factors affecting women’s microfinance participation in Muslim regions 60 A. Government monopoly and unbalanced regional development 60 B. Territorial prejudice in microfinance distribution across regions 62 1. Distance as a barrier for women’s access to microfinance service 65 C. Non inclusive microfinance policy and regulatory Frameworks 66 1. Prohibition of an Interest- free financial products and restrictions on the type of service provided by MFI 69 D. Other issues in microfinance lending methodology 73 1. Financial exclusion of the poorest of the poor 74 2. Marginalization of non- farm activities of women in Muslim region 75 E. Low microfinance participation and its impact on the state of women’s empowerment: comparison between Muslim and non Muslim regions 79 1. Employment 80 2. Women’s control over household cash earnings 82 V. Conclusion 88 REFERENCES 92 Abstract in Korean (초록) 98-
dc.formatapplication/pdf-
dc.format.extent1215483 bytes-
dc.languageeng-
dc.publisher이화여자대학교 국제대학원-
dc.subject.ddc300-
dc.titleLinking Credit to Context-
dc.typeMaster's Thesis-
dc.title.subtitleMicrofinance and Women’s Empowerment A Case of Muslim Dominated Regions of Ethiopia-
dc.format.pageix, 99 p.-
dc.identifier.thesisdegreeMaster-
dc.identifier.major국제대학원 국제학과-
dc.date.awarded2013. 8-
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