Browsing by Author "Karki,Binu"

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    Women’s participation in microfinance and its impact on household decision making and asset accessibility in Nepal
    (2025) Karki,Binu; Tika Ram Gautam
    This study investigates the engagement of women in microfinance and its impact on livelihood enhancement in Budhanilkantha Municipality, Kathmandu. Microfinance has emerged as a critical tool for financial inclusion, particularly for women in developing economies. The research employs a qualitative approach, qualitative interviews to explore the socioeconomic, sociological factors influencing women's participation in microfinance. 15 women from 3 Microfinances were selected conveniently to collect the information from semi structured and unstructured questions. Key findings indicate that access to microfinance services empowers women economically by enabling them to start or expand small businesses, contribute to household income, and improve their overall quality of life. Challenges such as limited financial literacy, social norms, and access barriers are identified as barriers to women's full participation. Policy implications suggest enhancing financial literacy programs, promoting gender-sensitive financial products, and fostering supportive environments to maximize the benefits of women's engagement in microfinance for livelihood enhancement. The changes on women‘s livelihood enhancement on decision making (DM) through the Engagement in microfinance is positively satisfactory. The study reveals that women involved in microfinance programs experience increased financial independence, which leads to a stronger voice in both family and community matters. This empowerment contributes to better resource allocation within households and improves overall well-being. The relationship between decision making (DM) and ownership of assets (OA) of women through the Engagement in microfinance is perfectly positive.