{"id":30821,"date":"2026-09-11T09:26:12","date_gmt":"2026-09-11T07:26:12","guid":{"rendered":"https:\/\/www.gca-foundation.org\/?p=30821"},"modified":"2026-09-11T09:31:45","modified_gmt":"2026-09-11T07:31:45","slug":"women-and-financial-services-what-impact-studies-reveal","status":"publish","type":"post","link":"https:\/\/www.gca-foundation.org\/en\/les-femmes-et-les-services-financiers-ce-que-les-etudes-dimpact-revelent\/","title":{"rendered":"Women and financial services: what impact studies reveal"},"content":{"rendered":"

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The Grameen Cr\u00e9dit Agricole Foundation conducted three impact studies with its microfinance partners. OXUS Tajikistan, OXUS Kyrgyzstan<\/strong> and Ugafode Uganda<\/strong>. This research offers valuable insights into the actual effectiveness of women's financial inclusion and the persistent barriers.<\/p>\n

Positive but incomplete results<\/strong><\/p>\n

Microfinance services generate tangible improvements: increased income, strengthened financial confidence and improved quality of life.<\/strong> In Tajikistan, 83% of clients report an improvement in their income. In Uganda, 97% of loan recipients report a positive change.<\/p>\n

However, these figures mask a more complex reality. Financial resilience remains fragile<\/strong> Only 56% of Ugandan clients can cope with an unexpected expense. Traditional success measures, such as loan volume and number of clients, do not capture this underlying vulnerability.<\/p>\n

Three major challenges<\/strong><\/p>\n

The exclusion of women from financial decisions<\/strong> This problem persists, particularly in rural areas and among less educated women. In Kyrgyzstan, more than one in seven women is completely excluded from decisions regarding the use of their own loans. This dynamic extends beyond the reach of financial institutions and requires multi-sectoral partnerships.<\/p>\n

Operational frictions<\/strong> Hidden fees, rigid repayment schedules, low digital adoption, and perceived punitive collection practices damage customer satisfaction. These obstacles create mistrust despite initial confidence in the institution.<\/p>\n

Refugee populations face cumulative constraints<\/strong>. In Uganda, refugee clients underperform on almost all indicators: lower incomes, reduced financial resilience, and significantly lower satisfaction.<\/p>\n

From study to action<\/strong><\/p>\n

These findings catalyzed concrete changes<\/strong>. In Tajikistan, the institution is adapting its new savings products to the needs of women and increasing the proportion of female staff. In Kyrgyzstan, a dedicated action plan has been integrated into the 2026 budget, including gender-sensitive training, enhanced financial literacy, and improved transparency.<\/p>\n

Lessons for the sector<\/strong><\/p>\n

Financial inclusion is not a binary objective.<\/strong> Access to credit is a starting point, not a destination. Non-financial services\u2014training, savings, insurance, business support\u2014are essential multipliers of results.<\/p>\n

The Grameen Cr\u00e9dit Agricole Foundation remains committed to transforming these learnings into lasting impact, supporting its partners so that women's financial inclusion truly becomes empowering.<\/p>\n

\ud83d\udd17 Full article <\/em>via this link<\/em><\/a><\/p>","protected":false},"excerpt":{"rendered":"

    La Fondation Grameen Cr\u00e9dit Agricole a men\u00e9 trois \u00e9tudes d’impact aupr\u00e8s de ses partenaires de microfinance aupr\u00e8s de ses partenaires OXUS Tadjikistan, OXUS Kirghizistan et Ugafode Ouganda. Ces recherches offrent des insights pr\u00e9cieux sur l’efficacit\u00e9 r\u00e9elle de l’inclusion financi\u00e8re des femmes et les obstacles persistants. Des r\u00e9sultats positifs, mais incomplets Les services de […]<\/p>\n","protected":false},"author":9,"featured_media":30816,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"pays-actualite":[853,857,864],"types-publications-media":[],"class_list":["post-30821","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualite","pays-actualite-kirghizistan","pays-actualite-tadjikistan","pays-actualite-ouganda"],"acf":[],"yoast_head":"\nLes femmes et les services financiers : ce que les \u00e9tudes d'impact r\u00e9v\u00e8lent - Fondation Grameen Cr\u00e9dit-Agricole<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gca-foundation.org\/en\/women-and-financial-services-what-impact-studies-reveal\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les femmes et les services financiers : ce que les \u00e9tudes d'impact r\u00e9v\u00e8lent - Fondation Grameen Cr\u00e9dit-Agricole\" \/>\n<meta property=\"og:description\" content=\"    La Fondation Grameen Cr\u00e9dit Agricole a men\u00e9 trois \u00e9tudes d’impact aupr\u00e8s de ses partenaires de microfinance aupr\u00e8s de ses partenaires OXUS Tadjikistan, OXUS Kirghizistan et Ugafode Ouganda. 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