Microfinance programmes are increasingly popular in Bangladesh, and are especially renowned for the excellent repayment performance of women borrowers. This article examines the loan-use pattern of women involved in wage employment and the benefits they gain from such loans. It also explores the effects of wage employment on gender relations. Women wage-earners are found to value paid work more than they value credit. It is thus argued that more employment opportunities should be created for women as these would help to promote economic and social empowerment.
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