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Women and Development
WOMEN AND DEVELOPMENT
- Women, especially those in the low-income strata, traditionally have
contributed to productive activities such as agriculture (mostly
small-scale), agro-processing crafts and home industries, trade and
commerce, but there has been a tendency to underestimate their economic
roles and to undercount their participation due to inadequate data,
prevailing definitions of economic activity and current sampling and
interviewing procedures employed in obtaining national statistics. More
attention has been focused, especially in national plans and programs, on
their reproductive and child-nurturing roles.
- In general, women have benefitted increasingly from programs in the
social sector, as evidenced by the large increases in school enrollment of
the female population at all levels of education and a rise in life
expectancy. However, severe health, nutritional and educational problems
still remain to be resolved, especially in the case of women in rural areas
and low-income women in the urban centers.
- While modernization has opened up economic opportunities in some areas,
on the other hand it has led to a decline in traditional sources of income
for many women, e.g., those engaged in the production of handmade and
homemade items. In the agricultural sector the introduction of mechanization
and new technologies generally has displaced small producers and disrupted
traditional systems of production and complementarity between the roles of
the two sexes in the smallholder family.
- Low productivity in the campesino economy on the whole, the displacement
of small producers, lack of income-generating opportunities and of social
services in rural areas have caused both men and women to emigrate to the
cities. These migratory flows have deeply affected women's roles in two
ways. In the urban centers there has been a rapid entry of migrant women
into the work force, with females being concentrated in low-level or
unskilled jobs and services. Women are involved in the urban informal
sector, largely in retail trade and in small scale enterprises. In the rural
areas, wherever male outmigration has been strong, women who remain had to
increase their workload and to assume full responsibility of carrying out
both agricultural and household duties.
- It is also within this context that one observes within the region a
large number of female-headed households, particularly in the low-income
strata. Various studies emphasize the disadvantaged position of female heads
of households: They are most likely to be living below the poverty line,
they score lower than low-income men on educational attainment and are more
apt to be unemployed or employed in low-skilled or service occupations.
- Moreover, the economic crisis of the 1980s in Latin America and the
hitherto unprecedented levels of unemployment and underemployment which
adversely affected particularly the poorest segments of the population, have
had serious repercussions for women in particular.
- On the one hand, this situation led to relatively fewer
income-generating opportunities available on an overall basis. On the other
hand, cutbacks in social services have seriously affected women's level of
health, nutrition and education, important determinants for their
productivity and effective participation in the economy and society as a
whole. The interaction of these factors creates a vicious circle in which
low-income women in particular are caught. The mounting economic
responsibilities of these women thus make combatting their poverty a crucial
development goal.
- The Bank recognizes that if women are to be effective agents of human
capital development, particular attention should be paid to enhancing their
contribution and taking into account their needs, multiple roles and
changing economic and family situations. This means that more recognition
must be give to their current and potential contribution as producers, as
decision-makers and as income-generators. Recognizing the pressing situation
of poor women within the region, the Bank will pay attention to supporting
activities that address their needs in both rural and urban areas.
- Many Latin American countries are making significant efforts, as
evidenced by the establishment of Women's Desks Bureaux and both national
and regional planning units to promote the integration of women into the
national development process.
- The fields of action proposed within this policy are thus formulated
with a view of assisting national efforts and leading to a more effective
participation of women in development.
Objectives:
Within its general objectives of promoting social and economic development,
the Bank through its lending and technical cooperation programs will assist
member countries in their efforts to bring about the fuller integration of women
into all stages of the development process and improvement in their
socioeconomic situation. The Bank will support initiatives aimed at:
- Recognizing and enhancing women's actual and potential role in
productive and social activities and their contribution to the national
development process;
- Facilitating women's access to productive resources, services and to
social and economic benefits derived from Bank operations;
- Reducing social, legal and economic constraints that depress women's
ability to effectively participate in and benefit from productive and other
development-oriented programs; and
Improving the effectiveness of institutions responsible for fostering the
social and economic participation of women in the development process.
Fields of Activity:
1. EMPLOYMENT OPPORTUNITIES. One of the objectives of the Bank's
operations has been to increase job opportunities and to raise the level of
incomes of project participants. With a view to the fact that women increasingly
bear economic responsibilities but tend to be concentrated in low-productive and
low-paid jobs, the Bank will support efforts that aim at generating employment,
upgrading women's productivity and promoting their access to productive
employment or other income-earning activities. In line with the criteria
established within the Urban and Rural Development Policies (OP-751 and OP-752),
the Bank will cooperate in increasing and improving both the financing and
management of small enterprises, endeavoring to mobilize the efforts of women
entrepreneurs.
Bearing in mind that the issue of generating employment for women is not only
related to their need for training and skills acquisition programs, but also to
the demands on women associated with family and household responsibilities, the
Bank will support existing programs or the establishment of appropriate ones and
other incentives aimed at reducing or eliminating obstacles to women's
participation in income-earning activities. These may include the financing of
child day-care centers or other project-related arrangements to assist women in
their child care responsibilities, and the support of special employment
programs which offer flexible schedules and/or take into account women's daily
and seasonal burden of domestic and productive tasks.
2. EDUCATION, TRAINING AND EXTENSION. To ensure that women benefit
fully from investments in project-related training programs, the Bank will give
special consideration to training programs in any sector which promotes and/or
facilitates the participation of women, the upgrading of their skills and the
development of their productive potential. Programs in both rural and urban
areas should take into account the specific factors that affect the availability
and effectiveness of educational and training programs to women working in the
agricultural sector or in urban-based enterprises: location of training centers,
convenience of the hours of courses and the relevance of curricula and teaching
materials, use of appropriate methods to transfer technology. Within this
context, the Bank will support:
a) the development and establishment of extension programs, programs at
technical and vocational centers, formal and non-formal educational programs and
literacy campaigns appropriately designed to facilitate women's access as well
as active promotion and outreach efforts to disseminate information on these
courses;
b) the setting up of training courses for technical personnel to sensitize
them to women's specific educational needs and problems and to increase their
capacity to implement appropriate plans and projects;
c) efforts to increase the number of female extension agents;
d) efforts to identify and remove limitations to women's participation in
project-related training programs; and
e) training programs connected with the maintenance and administration of
project-related facilities.
3. CREDIT. One of the principal constraints facing low-income groups,
in particular women, is the lack of adequate financing. Access to credit is one
of the keys to an improved standard of living and higher productivity for small
farmers and entrepreneurs in both rural and urban areas.
- Women's participation in formal credit programs particularly has been
constrained by legal barriers, cumbersome application procedures, relatively
high opportunity and transaction costs, sociocultural constraints or by
their lack of secure title to property and other forms of collateral, even
if they play a major role in production and marketing in the agricultural
sector.
- In urban areas, women experience similar difficulties in their efforts
to establish or expand their own enterprises and sources of self-employment,
so that they are often forced to turn to informal, high-cost sources of
credit.
- The Bank will therefore pay special attention in its credit programs to
the support of programs or other mechanisms which facilitate women's access
to credit and thus raise their productivity, either individually or through
groups organized into productive units. These measures can include:
a) the appropriate training of employees of formal credit institutions;
b) the support of financial extension services specifically geared to reach
out to potential female borrowers;
c) the strengthening of intermediary credit institutions and associations
such as formal or informal savings cooperatives where women are predominantly
involved; the use of active outreach and promotion efforts to inform women of
the availability of credit programs; and
d) measures that would remove or ameliorate legal or other inhibitions to
equitable treatment for women in obtaining credit.
4. TECHNICAL COOPERATION. Through its technical cooperation operations
the Bank will support the strengthening of the effectiveness of national and
local institutions and their legal frameworks to formulate, coordinate and
implement equitable policies, programs and projects to foster the social and
economic participation of women and to improve their status in society. The Bank
will support efforts to train personnel and/or to strengthen institutions to
implement resulting reforms or policies as well as to disseminate information
pertaining to such reforms.
- Emphasis will be placed on training programs which aim at improving the
administrative and entrepreneurial skills of women. This is especially
important for female entrepreneurs and women employed by formal institutions
in areas such as extension work, project identification, preparation and
evaluation.
The Bank also supports the following activities:
a) the institutional strengthening of associative-type economic organizations
for production and marketing and other women's groups whose activities are
relevant to Bank-financed projects;
b) community promotion; and
c) the training of female beneficiaries and technical personnel in the
planning, organization, distribution and operation of services, particularly in
areas where women's contribution is crucial and where the impact on women is
judged to be significant.
5. RESEARCH AND STUDIES ON THE PARTICIPATION OF WOMEN. As the
information and statistical data available on the involvement of women in
economic and social development and other related topics is still limited, the
Bank will support and encourage the collection and publication of
sex-disaggregated data and qualitative information on the participation of
women, especially research on women's actual and potential participation in
productive activities, decision-making structures and social activities; and on
mechanisms to enhance their contribution.
- Knowledge of these roles and of the factors that enhance or limit
women's ability to carry out these roles can contribute to the improvement
of project design so that women can actively participate in and reap more
benefits from the development process.
The Bank will also assist in:
a) carrying out research to reappraise concepts, approaches and practices
associated with gathering statistics in order to improve data-gathering on the
role of women;
b) studying solutions for dealing with the obstacles restraining women's
participation and ways of promoting income and employment for low-income women;
and
c) studying means to adapt and transfer appropriate technology to women.
As far as possible, any studies undertaken will be coordinated with and
complement the actions of national institutions and other international
organizations.
In order to enhance the implementation of this policy, the following section
provides specific pointers on operational instruments and mechanisms for Bank
action in the programming, analysis, administration and evaluation of loans in
key sectors.
The Programming Process
- As part of the programming process, when the Bank is developing a
strategy and identifying operations in a particular country, attention
should be given to gaining an informed understanding of women's roles in the
economy and society as a whole.
- Although due to a general lack of base line and disaggregated data, only
approximations may be obtained in some cases, an assessment--however,
general--of women's real contribution to the economy and identification of
any key issues affecting their participation at an early stage is a
prerequisite for: a) ensuring the efficiency, effectiveness and the success
of operations where women's participation would be a significant
contributing factor to the achievement of project goals; and b) more
effectively involving women in specific programs and projects, thus
enhancing their advancement.
Within programming activities, consideration should be given to
addressing:
1. Women's roles, identifying the institutional framework of organizations
involved in the issues of women's participation , and addressing any linkages
between these and the programming of Bank operations;
2. Within sector analyses and strategies in relation to a specific country,
as contained within the CPP, women's participation should be addressed. As a
general rule, the sector analyses are based on the socioeconomic report for that
specific country, so that any key issues with relation to women's involvement
should also be addressed in the socioeconomic report. In addition, relevant
issues should be given special consideration in the preparation of general and
sectoral studies carried out by pertinent divisions of the Bank.
3. Relevant issues should be integrated into orientation and preparatory
documents (TWPs) prepared for Programming Missions by Inter-departmental Working
Groups. These issues should also be addressed by Field Offices within the
project identification process.
Project Analysis
- Based upon the available information on women's participation, as
indicated within the Background Paper, Bank action would be mainly
concentrated in areas such as: water supply and sanitation; income
generation and small-scale agriculture; forestry and agricultural
development; education and training; health and nutrition; and any other
areas where women's contribution is significant and/or where the project's
benefits or impact on women are judged to be significant.
- Within the project analysis stage, specific tools and steps are intended
to enhance the integration of gender-relevant aspects within overall
operations in the sectors mentioned above.
- The focus here is not to promote women's activities in isolation, but to
find ways and means to enhance women's participation in a given sector and
to more effectively link the activities of both men and women within the
project with a view to ensuring optimum overall project benefits. In most
cases, this does not necessarily involve additional major financial inputs,
but is intrinsically related to: an early identification of gender-related
roles, interests and constraints; and the adjustment of project design and
preparation to facilitate women's access to project activities, benefits and
facilities, wherever necessary.
In the project analysis phase, the Bank should:
1. Improve baseline data through gathering of disaggregated data and
information on women's roles in key areas, not only within socioeconomic
reports, general and sectoral studies, and CPPs, but also by requesting such
information from borrowers in the DES and PRA guidelines and other relevant
manuals for the preparation of loan requests. These guidelines should be updated
to reflect key issues in relevant sectors.
2. Prepare a set of main points for each key sector to be used at
Headquarters, at Field Offices and in orientation and other missions, in order
to facilitate the work of Bank staff and consultants involved in project
analysis in addressing relevant issues.
3. Consider technical cooperation and short-term missions as instruments to
assist in enhancing data-gathering, studies and project preparation activities,
relevant project design, institutional strengthening, etc., in operations where
women's participation is likely to be significant and/or where there is an early
identification of gender-related issues--as a result of the programming process
or through missions.
4. Within the overall analysis of a project, make more frequent use of
consultants and/or Bank missions to help gather more information and/or assist
borrowers in integrating pertinent issues into project design and preparation.
Such issues are:
a) identification of any constraints--legal or otherwise--which could inhibit
achievement of project goals;
b) compatibility of projects with sociocultural factors affecting the
participation of women;
c) consideration of the needs of women as perceived by them (through surveys,
studies local consultations) in relation to project objectives, location and
potential benefits;
d) promotion of their active participation and organizational skills within
project activities; and
e) use of appropriate methods for transferring technology and skills.
Assess the project's potential impact on women wherever relevant with the aim
of enhancing positive impacts and avoiding negative impacts on women. Integrate
these issues specifically into terms of reference for missions and into project
documents whenever pertinent.
5. Encourage the development and use of specific methodological tools to
analyze and evaluate women's participation in project benefits and the project's
impact on their socioeconomic situation within the general project analysis
methodologies. This task should be assigned to the Methodology Unit of the Bank
in consultation with other Departments. Any relevant experience already gathered
within the Bank, e.g. small projects operations, should be drawn upon.
6. Make use of control points along the project cycle, e.g. CAMs, loan
committees to address the issue of women's participation and the appropriate
implementation of this policy.
7. In projects involving education, training, extension, credit productive,
and social infrastructural activities, the Bank should take steps to assure that
the design and execution of the project allows for the full participation of
women. In those operations where women have been identified as key
beneficiaries, the borrower should be required to present periodic progress
reports on the increasing involvement of women. This may be enforced through the
use of provisions in the loan agreement.
8. Initiate a systematic program of staff training seminars and other
activities at both Headquarters and Field Offices to raise consciousness of
staff on women in development issues and to acquaint them with these policy
guidelines and mechanisms for their implementation.
9. Designate a high-level staff person within the Bank who would assist staff
members to better integrate women in development aspects into the project cycle
and help coordinate Bank efforts to implement this policy.
Ex-post Evaluation
The ex-post evaluation should identify factors that contributed to or
detracted form the participation of women in the project and the achievement of
overall project goals, hence providing valuable lessons for improving the
effectiveness of future operations. For this purpose, it is necessary to be able
to rely on adequate baseline information and disaggregated data collected on an
ex-ante basis, and to establish criteria to measure and evaluate effects within
the framework of existing methodologies. The guidelines and criteria for ex-post
evaluation of projects in all key sectors previously identified should be
revised to reflect the main issues outlined within this policy and the eventual
improvements in qualitative and quantitative project evaluation methodologies
resulting from the Bank's experiences.
Source : Inter American Development Bank
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