This pre-eminence of women among microcredit beneficiaries can be explained in part by their reliability and consistency in paying back loans.

In fact, several studies have revealed that repayment rates for projects run by women are significantly higher than for those run by men.

Elsewhere, researchers from the World Bank recently published a new study on the impacts of female-led micro-business, in which they observe that a 10% increase in the credit made available to women leads to an average 8% increase in school attendance for children (both girls and boys) and an average 5% drop in extreme poverty.

Microcredit: an instrument of emancipation and empowerment

Beyond its economic impact, microcredit can today be considered as a precious tool contributing to the construction of a more equal society, one with a central role for women who can work independently.

The success of micro-business among women has been built around three main pillars: access to credit, training and socialisation. The capacity of women to manage a business and to make money, which then benefits all family members, is a strong argument in favour of greater female participation in decision-making processes within the household.
The emergence of loan groups made up uniquely of women has also played its part in their emancipation.

Able to fall back on a genuine local network, and strengthened by sharing their professional experiences, female micro-entrepreneurs encourage each other to continue down the road leading to financial independence and a more significant role in all aspects of social development.