Does Microfinance Disrupt Kenyan Family Structure?

By Eric Bell,

Fellow at Re-Vision Labs

The other day my mother, a professor of family stuff at IUPUI, conveyed to me an interesting account of microlending from some Kenyan women who were visiting scholars in her program. The women criticized microlending’s emphasis on lending to women because it was making men superfluous in their own families. With women as the caretakers and the breadwinners, the men had no role in the family and would frequently leave. Thus, the accusation is that microfinance institutions are destructive to family structures.

From Flickr user theeyesview; Attribution-Noncommercial-No Derivative Works 2.0 Generic

From Flickr user theeyesview; Attribution-Noncommercial-No Derivative Works 2.0 Generic

This sounds like oddly misdirected criticism to me (“MFIs are too good at empowering women”?), but it also seems like an interesting perspective given that it comes from a group of Kenyan women, and it’s a side effect that we might not have predicted.  I have no idea if it represents a widely held view or a minority of detractors.  It seems to me that any substantial undermining of the status quo will inevitably produce discomfort and downsides, but I think such unease is on the whole both desirable and expected.  At the same time our focus is the community, and we might do well to be careful not to destroy the whole in our efforts to bring empowerment and education to its historically disadvantaged members.

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  • I came across that same criticism during my undergrad studies at University of British Columbia: The men in communities where microlending is occurring are not, in general, pleased with the situation.

    If you take the destruction of family structure to extremes, it could lead to big problems.
    - Unattached males on the loose (You boys are dangerous!).
    - Increased migration of males to cities (already happening even when these dudes have families in rural areas).
    - Subsequently increased crime rates/levels of dissatisfaction.
    - Increased animosity towards developed nations for providing women with money and destroying men's roles in the family
    - and then suddenly, increased populations of fanatic terrorists. Haha, can we do anything right in this world?

    I guess we just have to make sure that the microlending organizations are following philosophies of a holistic, integrated approach to problem solving. E.G., giving women money isn't the only solution; that's only providing aid to half of the population.

    Professor of Family Stuff? Is that your mom's official title Eric?

    I guess I should say we have to make sure the organizations integrate COMMUNITY in their practices! Where would we all be without community?
  • Very interesting, Eric. From an anthropological standpoint, I'd say this is a classic problem of not fully integrating the solution into daily life and culture. Many MFIs have support mechanisms along with lending services - I wonder if any include some kind of counseling, culture integration, or other solutions to this potential problem....

    That said, the same argument was given against the feminist movement here in the US, but I am sure glad I have the empowerment to make money on my own....
  • Linda
    Motivation can best lead to effective action when there is some perceived opportunity -- some hope, a sense of self efficacy, self esteem, or power. It's also great if it looks like I'm needed.
  • Sandy
    This is a very interesting perspective. I would think that this would have been predicted. However, over time, if the men choose to leave the family where will they go, live, who will feed and clothe them. This may be an initial response but I think they will find life harsh without the wife and family, return and contribute in a way that is helpful to the entire family, whether it is helping with the children or domestic duties or "MAYBE" just maybe they will be more motivated to do more with their own lives.
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