The Perceived Social and Physical Effects of Micro-loan Default on Jordanian Women / a qualitative study

  • Dima Shawkat Jerees Al-karadsheh University of Jordan
  • Mayada A. Daibes, Ph.D., CNS., Associate Professor Faculty of Nursing, Philadelphia University, Amman, Jordan http://orcid.org/0000-0003-0499-0876
  • Hayat Hashem Abd Al-Qader Shoubaki University of Jordan, Amman, Jordan

Abstract

The purpose of the study is to determine the social and health impacts of microloan default on women by relying on in-depth interviews with a group of women who have failed to repay their microloans in Jordan.


 It is evident that defaulting on their microloans is a result of women’s inability to repay those loans from the start. One of the predominant social repercussions of defaulting is the pressure and rebuke that women are subjected to by their family and community, especially when a woman faces prosecution for defaulting on her microloan. These repercussions have in turn led to constraints on women’s mobility and caused damaged to her health and wellbeing. In many cases, such women resorted to emotional eating which consequently developed into obesity or being subject to severe stress caused her physical harm, such as dental damage or hair loss due to vitamin deficiencies.


 Finally, the study emphasizes the need to tighten regulations and procedures relevant to offering microloans and providing unemployment insurance through the Social Security Administration or the Ministry of Labor.

Downloads

Download data is not yet available.

Author Biographies

Dima Shawkat Jerees Al-karadsheh, University of Jordan

Dima Al Karadsheh holds a master's degree in women's studies and now she is working on preparing her doctoral thesis in the Department of Sociology. Dima is a consultant on human rights, gender and feminism, refugees and their integration into host communities, policy-making and strategic planning, and qualitative research. She is a member of several NGOs and coalitions at the national and regional levels. Recently she is a Freelancer consultant with several local and international organizations.Dima has carried out many kinds of research on women's rights, civil society, gender audit of the private sector as well as reports on the mechanisms of gender mainstreaming in climate change and solid waste management.

Mayada A. Daibes, Ph.D., CNS., Associate Professor, Faculty of Nursing, Philadelphia University, Amman, Jordan

Dr. Mayada A. Daibes, is an Associate Professor in Nursing Faculty at Philadelphia University and a former Assistant Dean of Nursing at same University.

Dr. Daibes has completed her PhD in Nursing and Master of Art in Applied Social Research in Health Studies from The University of Warwick, UK. In addition. Daibes has completed a Master Degree in Cardiopulmonary Nursing from Jordan University of Science and Technology.

Dr. Daibes has several published research articles in highly recognized international journals, majority of which are qualitative research. Dr. Daibes research interest is focused on social justice and health issues employing qualitative approach.

Hayat Hashem Abd Al-Qader Shoubaki, University of Jordan, Amman, Jordan

I am highly motivated and results oriented, experienced researcher and trainer who have Master Degree in

Sociology from the University of Jordan with honors (GPA 3.97). I have solid and practical experience conducting qualitative and quantitative social research methods. I have also proven experience developing research tools, policy papers. My experiences focus on the themes of women protection, women’s empowerment, gender and feminism.

References

ABU FARAH, A. Jordan's Microfinance Institutions: Accumulating Debt and problems for the poor. [In Arabic] ((2019) The New Arab. Retrieved from https://www.alaraby.co.uk/investigations/2019/5/6/%D9%85%D8%A4%D8%B3%D8%B3%D8%A7%D8%AA-%D8%A7%D9%84%D8%AA%D9%85%D9%88%D9%8A%D9%84-%D8%A7%D9%84%D8%A3%D8%B5%D8%BA%D8%B1-%D8%A8%D8%A7%D9%84%D8%A3%D8%B1%D8%AF%D9%86-%D9%85%D8%B1%D8%A7%D9%83%D9%85%D8%A9-%D8%A7%D9%84%D8%AF%D9%8A%D9%88%D9%86-%D9%88%D8%A7%D9%84%D9%85%D8%B4%D9%83%D9%84%D8%A7%D8%AA-%D8%B9%D9%84%D9%89-%D8%A7%D9%84%D9%81%D9%82%D8%B1%D8%A7%D8%A1

AGGARWAL,R.GOODELL, J. W., & SELLECK, L. J. Lending to Women in Microfinance: Role of Social Trust. International Business Review, 24(1), 55-65. (2015). doi:https://doi.org/10.1016/j.ibusrev.2014.05.008

Al-SHAMI, S., RAZALI, M., MAJID, I., ROZELAN, A., & RASHID, N. The effect of microfinance on women’s empowerment: Evidence from Malaysia. Asian Journal of Women's Studies, 22(3), 318-337. (2016). doi:http://dx.doi.org/10.1080/12259276.2016.1205378

BECK, T., DEMIRGUC-KUNT, A., & MARTINEZ PERIA, M. S. Banking services for everyone? Barriers to bank access and use around the world: The World Ban(2006).

BERGER, L. M., & HOULE, J. N. Parental debt and children’s socioemotional well-being. Pediatrics, 137(2), e20153059. (2016). doi:https://doi.org/10.1542/peds.2015-3059

BlOMGREN, J., MAUNULA, N., & HIILAMO, H. Over-indebtedness and chronic disease: a linked register-based study of Finnish men and women during 1995–2010. International Journal of Public Health, 61(5), 535-544. (2016). doi:https://doi.org/10.1007/s00038-015-0778-4

BRADLEY, R., & COORWYN, R. Socioeconomic status and child development. Annual review of psychology, 53(1), 371-399. (2002).

CANETTI, L., BACHAR, E., & BERRY, E. Food and emotion. Behavioural processes, 60(2), 157-164. (2002).

CARNEY, C., MCNEISH, S., & McColl, J. The impact of part time employment on students' health and academic performance: a Scottish perspective. Journal of further and higher education, 29(4), 307-319. (2005). doi:10.1080/03098770500353300

CENTER FOR THE STUDYOF FINANCIAL INNOVATION, CSFI. Microfinance Banana Skins 2012: The CSFI Survey of Microfinance Risks. Retrieved from https://www.cgap.org/sites/default/files/CGAP-Microfinance-Banana-Skins-Jul-2012.pdf

CENTRAL BANK OF JORDAN. Financial Stability Report (2017). Retrieved from http://www.cbj.gov.jo/EchoBusv3.0/SystemAssets/PDFs/EN/Financial%20Stability%20Report%202017Final%203-1-2019.pdf

DARMON, N., FERGUSON, E., & BRIED, A. Do economic constraints encourage the selection of energy dense diets? Appetite, 41(3), 315-322. (2003). doi:10.1016/S0195-6663(03)00113-2

DREWNOWSKI, A., & DARMON, N. Food choices and diet costs: an economic analysis. The Journal of nutrition, 135(4), 900-904. (2005). doi:https://doi.org/10.1093/jn/135.4.900

GARG, A., GRUNDY, S., & UNGER, R. Comparison of effects of high and low carbohydrate diets on Plasma Lipoproteins and Insulin sensitivity in patients with mild NIDDM. Diabetes, 41(10), 1278-1285. (1992). doi:10.2337/diab.41.10.1278

HAJ‐YAHIA, M. M. Can people's patriarchal ideology predict their beliefs about wife abuse? The case of Jordanian men. Journal of community psychology, 33(5), 545-567. (2005). doi:10.1002/jcop.20068

HERMES, N., & LENSINK, R. Microfinance: Its impact, outreach, and sustainability. World development, 39(6), 875-881. (2011). doi:https://doi.org/10.1016/j.worlddev.2009.10.021

JESSOP, D. C., HERBERTS, C., & SOLOMON, L. The impact of financial circumstances on student health. British Journal of Health Psychology, 10(3), 421-439. (2005). doi:https://doi.org/10.1348/135910705X25480

KAR, A. K., & SWAIN, R. B. Interest rates and financial performance of microfinance institutions: Recent global evidence. The European Journal of Development Research, 26(1), 87-106. (2014). doi:10.1057/ejdr.2013.33

LAZENBY, R. Handbook of Pathophysiology (4th ed.). Philadelphia, USA: Wolters Kluwer Health. (2011).

MASLOW, A. H. A theory of human motivation. Psychological review, 50(4), 370. (1943).

MUNSTER, E., RUGER, H., OCHSMANN, E., LETZEL, S., & TOSCHKE, A. M. Over-indebtedness as a marker of socioeconomic status and its association with obesity: a cross-sectional study. BMC Public Health, 9(1), 286. (2009). doi:https://doi.org/10.1186/1471-2458-9-286

OCHSMANN, E., RUEGER, H., LETZEL, S., DREXLER, H., & MUENSTER, E. Over-indebtedness and its association with the prevalence of back pain. BMC Public Health, 9(1), 451. . (2009). doi:https://doi.org/10.1186/1471-2458-9-451

RICHARDSON, T., ELLIOTT, P., ROBERTS, R., & JANSEN, M. A longitudinal study of financial difficulties and mental health in a national sample of British undergraduate students. Community Mental Health Journal, 53(3), 344-352. (2017).doi:https://doi.org/10.1007/s10597-016-0052-0

RUEGER, H., WEISHAAR, H., OCHSMANN, E. B., Letzel, S., & Muenster, E. Factors associated with self-assessed increase in tobacco consumption among over-indebted individuals in Germany: a cross-sectional study. Substance Abuse Treatment, Prevention, and Policy, 8(1), 12. (2013). doi:10.1186/1747-597X-8-12

TALLEY, N., JONES, M., NUYTS, G., & DUBOIS, D. Risk factors for chronic constipation based on a general practice sample - ScienceDirect. The American Journal of Gastroenterology, 98(5), 1107-1111. (2003). doi:10.1016/S0002-9270(03)00239-9

The WORL BANK . Hashemite Kingdom of Jordan: Understanding How Gender Norms in MNA Impact Female Employment Outcomes. (2018). Retrieved from http://documents.worldbank.org/curated/en/859411541448063088/pdf/ACS25170-PUBLIC-FULL-REPORT-Jordan-Social-Norms-June-1-2018-with-titlepg.pdf

TURUNEN, E., & HIILAMO, H. Health effects of indebtedness: a systematic review. BMC Public Health, 14(1), 489. (2014). doi:10.1186/1471-2458-14-489

UNITED NATIONPoverty. (2015). Retrieved from https://unstats.un.org/unsd/gender/downloads/Ch8_Poverty_info.pdf

WARTH, J., PUTH, M.-T., TILLMANN, J., PORZ, J., ZIER, U., WECKBECKER, K., & Münster, E. Over-indebtedness and its association with sleep and sleep medication use. BMC public health, 19(1), 957. (2019).doi:https://doi.org/10.1186/s12889-019-7231-1

WORLD FOOD PROGRAMME. WFP Gender Policy and Strategy. Retrieved from https://www.unwomen.org/en/news/in-focus/commission-on-the-status-of-women-2012/facts-and-figures.(2012).

WORLD BANK, MIDDLE EAST AND NORTH AFRICA, Understanding How Gender Norms in MNA Impact Female Employment Outcomes, Report No: ACS25170, GSU11, June 1, (2018).

DROLET, JULIE. L. Women and Micro Credit: Towards an Understanding of Women’s Experiences in Cairo, Egypt, The School of Social Work, McGill University, Montreal. A thesis submitted in partial fulfilment of the requirement of the degree of Doctor of Philosophy (Ph.D.) (2005)
Published
2020-07-01
How to Cite
AL-KARADSHEH, Dima Shawkat Jerees; DAIBES, PH.D., CNS., Mayada A.; SHOUBAKI, Hayat Hashem Abd Al-Qader. The Perceived Social and Physical Effects of Micro-loan Default on Jordanian Women / a qualitative study. Journal of Social Sciences (COES&RJ-JSS), [S.l.], v. 9, n. 3, p. 690.705, july 2020. ISSN 2305-9249. Available at: <http://centreofexcellence.net/index.php/JSS/article/view/jss.2020.9.3.690.705>. Date accessed: 22 sep. 2020. doi: https://doi.org/10.25255/jss.2020.9.3.690.705.
Share |