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This study examines the borrowing behaviour of women and men within households in Ecuador, Ghana and Karnataka, India, and investigates whether the correlates of having asset debt differ for women and men. It provides answers to interesting questions, such as where they borrow from (formal versus informal sources) and whether the person responsible for the loan is involved in the decision to take out the loan.
This study explores the shocks experienced by households and the coping strategies employed by them in Ecuador, Ghana and Karnataka, India. It emphasizes the role of assets, showing how these may be directly lost as a result of a shock or may be used as part of a coping strategy. It finds that women and men living in the same household may experiences shocks differently and use different coping strategies.
This study constitutes a pioneering effort to measure whether women accumulate physical and financial assets as either remittance managers or migrants themselves. Based on household asset surveys in Ecuador and Ghana, the authors find that women have fared as well as men in their ability to acquire assets through remittances or savings earned abroad, but overall, a relatively small share of migrant households are able to accumulate assets, a finding requiring the attention of policymakers.