WOMEN ECONOMIC’S

EMPOWERMENT IN
CAMBODIA
C R E AT E D B Y
D OVA N PAT R I O Z A (17323014)
FA Q I H P R A S E T YO P U T R A ( 1 7 3 2 3 0 3 9 )
SANTIKA IZA H (17323027)
S Y LVA FA H R I N (17323031)
MICROFINANCE
PROGRAMME
DEFINITION

• Microfinance is now widely recognized as a form of financial assistance to benefit the poor,
especially rural women.
• Microfinance has system, the system called Village Bank, where women participate in groups to
access financial services and other kinds of interaction in the community, is considered an
effective tool in empowering women.
• Village Bank improves their status both in their families and in their community.
THE FUNCTION OF MICROFINANCE
PROGRAMME
• The microfinance programme in Aoral district so far has been an effective tool in empowering
women, mostly extremely poor women
• It is possitively and extremely help the poor woman to enhance their economic conditions,
and affect their entire family
• The use of the Village Bank has enabled microfinance programmes to reach areas with
restricted mobility and lack of infrastructure.
• However, involvement in the microfinance programme might also negatively affect the
members, in some cases the family relations becomes fragile or involvement in this programme
fosters competition and jealousy among neighbours.
SOCIO,ECONOMIC
A N D E D U C AT I O N
CONDITIONS OF
RURAL WOMEN IN
CAMBODIA
SOCIO-CULTURAL PERCEPTION OF
WOMEN
• The majority of Cambodian women live below the poverty line and struggle to meet the basic
needs for themselves and their children.
• With widespread poverty, more and more women have become commercial sex workers in
order to survive, risking HIV infection with consequent life- long suffering and eventual death.
• Microfinance is considered an effective tool to change the perception of women there, it
allows women to gain autonomy and has the potential to provide the economic opportunities
that women need to control their lives and to enter the public sphere with skill and
confidence.
REASON OF WOMEN INEQUALITY IN
EDUCATION
• Girls are often kept at home to help with household work and to care for younger siblings.
• Girls are also not allowed to travel long distances and live away from family to attend upper
secondary schools in provincial towns.
• The large gap in literacy between males and females is not entirely related to poverty, but is
also related to an important cultural dimension.
THE LOAN FROM
THE VILL AGE
BANK
REASONS FOR GETTING THE LOANS

• Village Bank provide loans for the poor to help them have a sustainable economic
environment.
• With the income and benefits they earn from the loans, they are expected to use the money
to invest in their children’s education, to promote the household well-being, and possibly to
buy new assets for their household.
• From the loans, members try to create their own jobs starting from small home business to
selling productions at the market.
THE FUNCTION
OF THE LOANS
HOME BUSINESS

• Home businesses seek to generate income, manage risk and protect against income
fluctuations by diversifying income-generating activities, potentially to build up human capital
through education, and access to health care.
• Among the people that have the loan from the bank the loan is used to create their own
business at home such as selling groceries, food, wine, cigarettes, etc.
ANIMAL FARMS

• 31.8 per cent of the responders say that they used the Village Bank loan to create a home farm
and to rear cattle, pigs, cows, poultry, or ducks.
• The main reason for most women to use the loan to create a home farm was that they would
earn greater income by selling chicken, pigs or cows.
SMALL-SCALE CULTIVATION
• 11.7 per cent responders used the loan for small-scale cultivation.
• They grow vegetables around the home and sell them to the local market or to the provincial
market if the vegetables are well-cultivated.
• But the problem is because of the perishable condition of the products and poor condition of
transportation, the participants are sometimes forced to sell at low price.
• These types of new job creations which women have undertaken defines their important con-
tributions to provide basic family needs since each husband’s income alone is not enough to
sustain the family. However, these job activities do not always mean success.
OVERALL
CONCLUSION
• Many people in Cambodia think that women doesn’t has to study and have some education
because they think that women doesn’t work in formal sectors.
• People in Cambodia work for their daily life, so they don’t think much about their other needs.
• At the end, women in Cambodia doesn’t work at the formal sectors because of their
education.
• The economic circumstances in Cambodia is weak because of there is no fund and asset to
develop their economic circumstances.
• Cambodia reduce their politics priority and increase their economic priority. They give some
loans to the poor people and help them to enhance their economic conditions, and affect their
entire family economy level through the mid to high level.