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Topsy turvy Microfinance

Topsy turvy Microfinance

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Topsy turvy Microfinance

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  1. Topsy turvy Microfinance In Downtown Kingston Caroline Hossein University of Toronto/ US Fulbright Research Associate CAPRI 26thOctober 2009, Jamaica

  2. Mina, 48, Arnett Gardens Why can’t you get a small small loan? “Area where yuh live–eyebrow go up, deyluk at yuh, den dibady language start and a long story wida ‘hole heep a paper ting to break yuh spirit. Yuh know yuhnoh get demmoney.”

  3. Sample Size

  4. Criteria for micro business person in this study (1) full-time & legal activities (2) gross monthly sales from J$20,000 to J$300,000 (3) micro loan and/or throw partner

  5. Access to MF, N=233

  6. Type of micro businesses in sample, N=233

  7. Type of MF retailers in study, N=28

  8. Highlights from findings, n=233 • 61% can’t get a micro loan • retail sector dominates MF • missing men • 89% business full time • 45% on “capture” land • 83% not registered

  9. More Highlights • 76%, N=233 are hopeful about MF • kick-start business thru personal efforts • mi luv mi partna • 62%, N=233 feel discriminated against

  10. What Are MF practitioners saying? N=28

  11. Did you have a hard time getting a small loan? N=233 76%, N=233 of business persons believe that micro loans can help their business prosper.

  12. It’s woman time now 52% of retailers say: Women get the edge Client base: 60-83% women

  13. Women dominate MF

  14. More women, more balance? • bias and unresponsive HR • potential for home-based conflict • ‘push oomanfi get mi loan’

  15. Perspectives About Access • location, location, location • discrimination • missing men • 41% said rates too high

  16. more on Access issues • less rigmarole, more loan • 96% believe links run tings • mi nah bright • useful loans

  17. Wrap up • context matters • three-way conversations • branding microfinance

  18. Wrap up • build trust • people centered • accountability

  19. Thanks for your attention carolinehossein@yahoo.com