Domination Of Female Microfinance Clients In Pakistan

Microfinance has been recognized and proven as a most admired option to combat poverty in Pakistan. But another characteristic of microfinance which has become obvious is its greater inclination towards female clients. Through this study it is observed that a large number of microfinance providers (MFPs) give preference to female clients over male clients due to certain reasons. The overall aim of this paper is to explore the extent of gender biases by MFPs and finding out possible reasons responsible for gender biasness. MFPs in Pakistan are either operating with profit motive or with poverty alleviation motive. The reasons for female orientation reported by MFPs operating for profit motive are their dedication, hard working and commitment to make their business venture a success and also to repay their debts on time. Other MFPs operating with poverty alleviation motive give preference to female clients because females are considered to be the most deprived and less privileged segment of the society. This study also examines the long term effects of gender biasness by MFPs. It is feared that the current greater inclination towards female clients may result into their exclusion in the long term which may not be a favourable situation.