223
Views
1
CrossRef citations to date
0
Altmetric
Research Article

The triple burden of disease, destitution, and debt: Small business-women’s voices about health challenges after becoming debt-ridden

ORCID Icon &
Pages 4-27 | Received 26 May 2019, Accepted 10 Jan 2020, Published online: 30 Jan 2020

References

  • Abed, F. H., & Matin, I. (2007). Beyond lending: How microfinance creates new forms of capital to fight poverty. Innovations: Technology, Governance, Globalization, 2(1-2), 3–17. https://doi.org/10.1162/itgg.2007.2.1-2.3
  • Afzal, U., & Yusuf, A. (2013). The state of health in Pakistan: An overview. Paper presented at the The State of Health in Pakistan: An Overview” with Anam Yusuf, paper presented at the Ninth Annual Conference on Management of the Pakistan Economy, Lahore School of Economics. Paper published in the Lahore Journal of Economics: Special Edition.
  • Ahmed, J., & Shaikh, B. T. (2008). An all time low budget for healthcare in Pakistan. Journal of the College of Physicians and Surgeons-Pakistan : Jcpsp, 18(6), 388–391.
  • Akhter, W., Akhtar, N., & Jaffri, S. K. A. (2009). Islamic microfinance and poverty alleviation: A case of Pakistan. Proceeding of the 2nd CBRC, Lahore.
  • Akram, M., & Khan, F. J. (2007). Health care services and government spending in Pakistan, Pakistan Institute of Development Economics. Islamabad, Pakistan.
  • Banerjee, S. B., & Jackson, L. (2017). Microfinance and the business of poverty reduction: Critical perspectives from rural Bangladesh. Human Relations, 70(1), 63–91. https://doi.org/10.1177/0018726716640865
  • Bateman, M. (2010). Why doesn’t microfinance work?: The destructive rise of local neoliberalism. London, UK: Zed Books Ltd.
  • Batty, M. (2006). Hierarchy in cities and city systems Hierarchy in natural and social sciences (pp. 143–168). New York City, NY: Springer.
  • Bhutta, Z. A., Gupta, I., de'Silva, H., Manandhar, D., Awasthi, S., Hossain, S. M. M., & Salam, M. A. (2004). Maternal and child health: Is South Asia ready for change?. Bmj (Clinical Research ed.), 328(7443), 816–819. https://doi.org/10.1136/bmj.328.7443.816
  • Blázquez, M., & Budría, S. (2015). The effects of over-indebtedness on individual health. Retrieved from http://ftp.iza.org/dp8912.pdf
  • Boeije, H. (2002). A purposeful approach to the constant comparative method in the analysis of qualitative interviews. Quality and Quantity, 36(4), 391–409.
  • Christen, R. P., Lyman, T. R., & Rosenberg, R. (2003). Microfinance consensus guidelines: Guiding Principles on regulation and supervision of microfinance, The World Bank Group, Washington, USA. Retrieved from https://www.cgap.org/sites/default/files/CGAP-Consensus-Guidelines-Guiding-Principles-on-Regulation-and-Supervision-of-Microfinance-Jun-2003.pdf
  • DeLoach, S. B., & Lamanna, E. (2011). Measuring the impact of microfinance on child health outcomes in Indonesia. World Development, 39(10), 1808–1819. https://doi.org/10.1016/j.worlddev.2011.04.009
  • Fernald, L. C., Hamad, R., Karlan, D., Ozer, E. J., & Zinman, J. (2008). Small individual loans and mental health: A randomized controlled trial among South African adults. BMC Public Health, 8(1), 409. https://doi.org/10.1186/1471-2458-8-409
  • Gichuru, W., Ojha, S., Smith, S., Smyth, A. R., & Szatkowski, L. (2019). Is microfinance associated with changes in women’s well-being and children’s nutrition? A systematic review and meta-analysis. BMJ Open, 9(1), e023658. https://doi.org/10.1136/bmjopen-2018-023658
  • Green, J., & Thorogood, N. (2018). Qualitative methods for health research. California, CA: Sage.
  • Gunasinghe, C., Gazard, B., Aschan, L., MacCrimmon, S., Hotopf, M., & Hatch, S. L. (2018). Debt, common mental disorders and mental health service use. Journal of Mental Health, 27(6), 520–528. https://doi.org/10.1080/09638237.2018.1487541
  • Hackett, A., & Strickland, K. (2018). Using the framework approach to analyse qualitative data: A worked example. Nurse Researcher, 26(3), 2–39. https://doi.org/10.7748/nr.2018.e1580
  • Hamid, S. A., Roberts, J., & Mosley, P. (2011). Evaluating the health effects of micro health insurance placement: Evidence from Bangladesh. World Development, 39(3), 399–411. https://doi.org/10.1016/j.worlddev.2010.08.007
  • Isaac, S., & Michael, W. B. (1995). Handbook in research and evaluation: A collection of principles, methods, and strategies useful in the planning, design, and evaluation of studies in education and the behavioral sciences. California, CA: Edits Publishers.
  • Islam, R., Karim, M. A., & Binti Ahmad, R. (2018). Forced Loan-recovery technique of the microfinance institutes in Bangladesh and its impact on the borrowers: An empirical study on Grameen Bank, BRAC and ASA. Journal on Innovation and Sustainability. RISUS ISSN 2179-3565, 9(3), 75–93. https://doi.org/10.24212/2179-3565.2018v9i3p75-93
  • Israr, S. M., & Islam, A. (2006). Good governance and sustainability: A case study from Pakistan. The International Journal of Health Planning and Management, 21(4), 313–325. https://doi.org/10.1002/hpm.852
  • Jafree, S. R., & Ahmad, K. (2013). Women microfinance users and their association with improvement in quality of life: Evidence from Pakistan. Asian Women, 29(4), 73–105. https://doi.org/10.14431/aw.2013.12.29.4.73
  • Jamal, H. (2005). In search of poverty predictors: The case of urban and rural Pakistan. The Pakistan Development Review, 44(1), 37–55. https://doi.org/10.30541/v44i1pp.37-55
  • Kabeer, N. (2017). Economic pathways to women’s empowerment and active citizenship: What does the evidence from Bangladesh tell us?. The Journal of Development Studies, 53(5), 649–663. https://doi.org/10.1080/00220388.2016.1205730
  • Mahmood, S., Hussain, J., & Z. Matlay, H. (2014). Optimal microfinance loan size and poverty reduction amongst female entrepreneurs in Pakistan. Journal of Small Business and Enterprise Development, 21(2), 231–249. https://doi.org/10.1108/JSBED-03-2014-0043
  • McHugh, N., Biosca, O., & Donaldson, C. (2017). From wealth to health: Evaluating microfinance as a complex intervention. Evaluation, 23(2), 209–225. https://doi.org/10.1177/1356389017697622
  • Meessen, B., Zhenzhong, Z., Damme, W. V., Devadasan, N., Criel, B., & Bloom, G. (2003). Iatrogenic poverty. Tropical Medicine and International Health, 8(7), 581–584. https://doi.org/10.1046/j.1365-3156.2003.01081.x
  • Microfinance Barometer (2018). Microfinance and profitabilities. Retrieved from http://www.convergences.org/wp-content/uploads/2018/09/BMF_2018_EN_VFINALE.pdf
  • MicroRate (2013). The State of Microfinance Investment 2013. Retrieved from http://www.microrate.com/media/downloads/2013/11/MicroRate-The-State-of-Microfinance-Investment-2013.pdf
  • Miled, K. B. H., & Rejeb, J.-E. B. (2015). Microfinance and poverty reduction: A review and synthesis of empirical evidence. Procedia - Social and Behavioral Sciences, 195, 705–712. https://doi.org/10.1016/j.sbspro.2015.06.339
  • Mitra, S. K. (2009). Exploitative microfinance interest rates. Asian Social Science, 5(5), 87–93. https://doi.org/10.5539/ass.v5n5p87
  • Mitroi, L. R., Sahak, M., Sherzai, A. Z., & Sherzai, D. (2016). The women’s health care empowerment model as a catalyst for change in developing countries. Health Care for Women International, 37(3), 275–289. https://doi.org/10.1080/07399332.2014.926903
  • Mustafa, G., Azmat, S. K., Hameed, W., Ali, S., Ishaque, M., Hussain, W., … Munroe, E. (2015). Family planning knowledge, attitudes, and practices among married men and women in rural areas of Pakistan: Findings from a qualitative need assessment study. International Journal of Reproductive Medicine, 2015, 1–8. https://doi.org/10.1155/2015/190520
  • Niaz, U. (2004). Women’s mental health in Pakistan. World Psychiatry, 3(1), 60–62####62.
  • Nishtar, S. (2010). Choked pipes: reforming Pakistan’s mixed health system. Karachi: Oxford University Press.
  • O’Donnell, O. (2007). Access to health care in developing countries: Breaking down demand side barriers. Cadernos de Saude Publica, 23, 2820–2834.
  • Pakistan Bureau of Statistics. (2019). Labour Force Survey, 2017–2018. Retrieved from http://www.pbs.gov.pk/sites/default/files//Labour%20Force/publications/lfs2017_18/Annual%20Report%20of%20LFS%202017-18.pdf
  • Pakistan Microfinance Network (2015). The Pakistan Microfinance Review 2015. Retrieved from http://www.pmn.org.pk/assets/articles/31f52030bd8d766abf95b80d2d35aeaf.pdf
  • Pakistan Microfinance Network (2018). Pakistan Microfinance Review 2017. Retrieved from http://www.microfinanceconnect.info/assets/articles/da6af2f0f19ca541bbc04db2f158cf98.pdf
  • Phillips, K. A., Morrison, K. R., Andersen, R., & Aday, L. A. (1998). Understanding the context of healthcare utilization: Assessing environmental and provider-related variables in the behavioral model of utilization. Health Services Research, 33(3 Pt 1), 571–596.
  • Polit, D. F., & Beck, C. T. (2010). Generalization in quantitative and qualitative research: Myths and strategies. International Journal of Nursing Studies, 47(11), 1451–1458. https://doi.org/10.1016/j.ijnurstu.2010.06.004
  • Pouchous, A. (2012). The Regulation and Supervision of Microfinance: Main issues and progress. The International Institute for Sustainable Development. Retrieved from http://www.iisd.org/tkn.
  • Ravallion, M. (2017). Poverty comparisons. New York, NY: Routledge.
  • Rosengard, J. K. (2004). Banking on social entrepreneurship: The commercialization of microfinance. Mondes en Développement, 126(2), 25–36. https://doi.org/10.3917/med.126.0025
  • Roshan, R., Hamid, S., & Mashhadi, S. F. (2018). Non-communicable diseases in Pakistan; A health system perspective. Pakistan Armed Forces Medical Journal, 68(2), 394–399.
  • Saha, S. (2011). Provision of health services for microfinance clients: Analysis of evidence from India. International Journal of Medicine and Public Health, 1(1), 1–6. https://doi.org/10.5530/ijmedph.1.2011.1
  • Saha, S., Kermode, M., & Annear, P. (2015). Effect of combining a health program with a microfinance-based self-help group on health behaviors and outcomes. Public Health, 129(11), 1510–1518. https://doi.org/10.1016/j.puhe.2015.07.010
  • Saqib, A., Atif, M., Ikram, R., Riaz, F., Abubakar, M., & Scahill, S. (2018). Factors affecting patients’ knowledge about dispensed medicines: A Qualitative study of healthcare professionals and patients in Pakistan. PloS One, 13(6), e0197482. https://doi.org/10.1371/journal.pone.0197482
  • Schwandt, T. A. (2001). Dictionary of qualitative inquiry. California, CA: Sage Publications.
  • Shenton, A. K. (2004). Strategies for ensuring trustworthiness in qualitative research projects. Education for Information, 22(2), 63–75. https://doi.org/10.3233/EFI-2004-22201
  • Siddiqui, R., Hamid, S., & Siddiqui, R. (2000). Analysis of non-conventional indicators of gender relations: Evidence from Pakistan. The Pakistan Development Review, 39(4II), 913–929. https://doi.org/10.30541/v39i4IIpp.913-929
  • Siddiqui, S., & Mehfooz, B. (2017). Influence of housing quality on public health in Lahore, Pakistan. In Proc. of the Pakistan Academy of Sciences: B. Life and Environmental Sciences (Vol. 54, No. 3, pp. 237–257).
  • Siwale, J. N., & Ritchie, J. (2012). Disclosing the loan officer’s role in microfinance development. International Small Business Journal: Researching Entrepreneurship, 30(4), 432–450. https://doi.org/10.1177/0266242610373687
  • State Bank of Pakistan (2019). The journey of financial inclusion in Pakistan. Retrieved from http://www.sbp.org.pk/70/sup-7.asp.
  • Sultan, F., & Khan, A. (2013). Infectious diseases in Pakistan: A clear and present danger. Lancet (London, England)), 381(9884), 2138–2140. https://doi.org/10.1016/S0140-6736(13)60248-2
  • The SMART Campaign (2018). The smart campaign consumer protection resource kit. Retrieved from https://www.smartcampaign.org/storage/documents/Consumer_Protection_Resource_Kit_05.15.2018.pdf
  • Thresia, C. (2018). Health Inequalities in South Asia at the Launch of Sustainable Development Goals: Exclusions in Health in Kerala, India Need Political Interventions. International Journal of Health Services, 48(1), 57–80. https://doi.org/10.1177/0020731417738222
  • Viola, D., Shi, Q., & Murthy, P. (2013). Microfinance safety net: Back to basics. Health Care for Women International, 34(11), 1005–1014. https://doi.org/10.1080/07399332.2012.673657
  • World Bank (2017). Pakistan development update. Retrieved from http://documents.worldbank.org/curated/en/536431495225444544/pdf/115187-WP-PUBLIC-P161410-77p-Pakistan-Development-Update-Spring-2017.pdf
  • Zaidi, S., Saligram, P., Ahmed, S., Sonderp, E., & Sheikh, K. (2017). Expanding access to healthcare in South Asia. BMJ (Clinical Research ed.), 357, j1645. https://doi.org/10.1136/bmj.j1645

Reprints and Corporate Permissions

Please note: Selecting permissions does not provide access to the full text of the article, please see our help page How do I view content?

To request a reprint or corporate permissions for this article, please click on the relevant link below:

Academic Permissions

Please note: Selecting permissions does not provide access to the full text of the article, please see our help page How do I view content?

Obtain permissions instantly via Rightslink by clicking on the button below:

If you are unable to obtain permissions via Rightslink, please complete and submit this Permissions form. For more information, please visit our Permissions help page.