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The role of microcredit in reducing women's vulnerabilities to multiple disasters

机译：小额信贷在减少妇女遭受多重灾害的脆弱性中的作用

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This article explores the relationship between microcredit and vulnerability reduction for women-headed households in ‘multiple disasters’. Here multiple disasters are understood as disasters that occur in one specific place and cause severe devastation. The case study covers the super-cyclone in 1999, floods in 2001 and 2003, and drought in 2002 in Orissa, India. The study entailed eight months fieldwork and interviews with several governmental and non-governmental officials and 12 women-headed households from different social castes. The findings suggest that microcredit is a useful tool to replace women's livelihood assets that have been lost in multiple disasters. But inefficient microcredit delivery can cause microdebts and exacerbate caste, class and gender inequalities. It is posited that microcredit delivery cannot achieve vulnerability reduction for women in multiple disasters unless it is complemented by effective financial services, integrated policy planning and disaster management between government, non-governmental organisations and the community.
机译：本文探讨了“多重灾难”中女性户主家庭的小额信贷与减少脆弱性之间的关系。在这里，多种灾难被理解为发生在一个特定位置并造成严重破坏的灾难。该案例研究涵盖了1999年的超级旋风，2001年和2003年的洪灾以及2002年印度奥里萨邦的干旱。该研究需要进行八个月的实地调查，并对来自不同社会等级的几名政府和非政府官员以及12个女户主家庭进行采访。研究结果表明，小额信贷是替代因多次灾害而丧失的妇女生计资产的有用工具。但是，小额信贷交付效率低下会引起小额债务，加剧种姓，阶级和性别不平等。人们认为，除非在政府，非政府组织和社区之间进行有效的金融服务，综合的政策规划和灾害管理，否则小额信贷的交付就无法减轻妇女在多重灾害中的脆弱性。

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