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


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.


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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.


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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: <>. Date accessed: 22 jan. 2021. doi:
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