1. Myths and Realities
 Micro-finance  Women need
empowers women signatures from their
 Women access loans husbands to access a
for their own use. loan
 Group –lending builds  80 per cent of women
social capital borrowers pass loans
on to their male
 Interest may be high but
relatives
transaction costs are
low.  Women dislike
borrowing in groups
 The transaction costs of
borrowing in groups are
low for MFIs but high for
clients