cwwl the gender impact

The Gender

Impact

This compendium was authored by the Council of Women World Leaders in preparation for the
World Economic Forum Global Agenda Councils. When referencing this document, please
make attributions to the Council of Women World Leaders. An electronic version of this docu-
ment is available at www.cwwl.org.

Thank you.

Council of Women World Leaders
One Dupont Circle, NW, Suite 700
Washington, DC 20036
P: +1 202 736 2920
F: +1 202 467 0790
info@cwwl.org

Page 3

Table of Contents

Drivers and Trends

Human Rights

Climate Change

Benchmarking Progress

Population Growth

Poverty & Economic Development

Employment & Social Protection

Migration

Education

Industry Agenda

Telecom Industry

Mobile Financial Services

Health Industry

Policy and Institutional Responses

Humanitarian Assistance

Social Innovation

Anti-Corruption

Risks and Opportunity

Food Security

Fragile States

Chronic Diseases and Well-Being

Energy Security

Water Security

Regional Agenda

Middle East and North Africa

Agriculture

D R I V E R S A N D

T R E N D S

Human Right and Protection

Climate Change

Benchmarking Progress in Society

Population Growth

Poverty and Economic Growth

Employment and Social Protection

Migration

Education

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H u m a n R i g h t s a n d P r o t e c t i o n

It is important to more assertively respect and promote the leading ideas and codified values of the
Universal Declaration of Human Rights and the human rights covenants. This Council focuses on the
prevention of global conflict, the protection of human rights, and the creation of a framework of global
values that would make the new norm of “the responsibility to protect” an effective and international
instrument. The Council will also deal with the development of common principles and best practices in
the area of business and human rights and the geographical areas of most egregious human rights
violations.

The principle of non-discrimination and gender equality is a fundamental element of all
human rights instruments and the cornerstone of the “women’s bill of rights,” UN
Convention on the Elimination of All Forms of Discrimination Against Women
(CEDAW). A woman may be discriminated against because she is a woman, but also
because of her membership in other vulnerable groups such as being an ethnic or
religious minority, or a refugee. Gender inequality increases women’s vulnerability to
additional human rights violations. Inequality, discrimination and a lack of legal
protection are root causes of violence against women and undermine women’s ability to
exercise their rights and achieve full societal participation. Women are globally more
susceptible to poverty, putting them at increased risk of exploitation. Lack of access and
participation in the political system may result in the continued denial of rights and an
inability to claim fair representation. Lack of education, access to health services and
resources also affects women’s reproductive and sexual health rights, contributing to high
maternal mortality rates, an increase in HIV/AIDS rates among young women, sex
trafficking, and sexual violence.

Discrimination is directly or indirectly entrenched in statutory norms. This is particularly
the case in the area of family and succession law, as well as land rights. For labor law,
directly or indirectly discriminatory provisions include bans on women’s night work,
women’s pensionable age and maternity benefit payments by the employer. Even where
the law prohibits discrimination and embodies special measures to advance women,
discrimination against women remains widespread in practice. De facto discrimination
encompasses for instance banking practices requiring the husband to sign their wives’
contracts, violations of labor equal-opportunity legislation, and channeling of services
through the male household head. Discriminatory cultural attitudes, illiteracy, lack of legal
awareness, lack of resources to enforce rights and difficulties in accessing courts located
in urban areas are among the major factors accounting for de facto discrimination.

Human rights protection and promotion issues can be categorized as top-down, such as
legal reforms and post-conflict accountability issues, or bottom-up, such as rights-based
development efforts and the plight of female human rights defenders in particular. Legal
reform efforts attempt to address the fact that though women’s rights are recognized as
human rights, in many cases discriminatory policies may stem from the state regime itself.
Legal equality is necessary for actual equality to be achieved. Additionally, the state’s
failure to protect rights may spark conflict, and women are increasingly susceptible to
human rights violations during and after conflict. Post-conflict challenges for women

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H u m a n R i g h t s a n d P r o t e c t i o n

include facing trauma from war-based sexual violence, discrimination due to status as a
non-combatant or combatant, and retaliation for transgression of social norms, all of
which may in turn feed into economic poverty and social insecurity for women.

The promotion and protection of human rights for all necessarily leads to increased rights
for women. Rights-based development attempts to address root causes such as inequity
or inequality, target marginalized groups such as women and encourage broad
participation, empower these groups while remaining sensitive to cultural differences, and
create a climate in which rights are enabled and in which they can be sustained in the
long-term. Because gender violence is deeply embedded in systems of kinship, religion,
warfare and nationalism, its prevention requires major social changes in communities,
families and nations. Powerful local groups often resist these changes, and those who
resist human rights often claim to be defending culture. For human rights to be effective,
they need to be translated into local terms and situated within local contexts of power
and meaning.

Most countries have now taken steps to attain gender equality, by explicitly prohibiting
discrimination on grounds of sex/gender. International norms must be re-conceptualized
to reach issues that concerns individuals such as sexual harassment, gender-based
violence, reproductive freedom, education, and the right to vote, as well as issues that
pertain to states, governments and intergovernmental organizations, such as economic
policies and structural adjustment programs. Societal ownership of rights is viewed as the
way to achieve lasting progress and change, and direct involvement of women in the
process of claiming rights has led to greater success in the long term. Education, and the
access to knowledge and power that come with it, is seen as an essential vehicle for rights
implementation and women’s empowerment and participation. No discussion and action
on Human Rights and Protection will be adequate if women’s rights are not fully
embraced.

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H u m a n R i g h t s a n d P r o t e c t i o n

Bibliography:

Agosin, Marjorie. Women, Gender, and Human Rights: a Global Perspective. New Brunswick, NJ: Rutgers UP,

2001.

Cook, Rebecca J. Human Rights of Women: National and International Perspectives. Philadelphia: University of

Pennsylvania, 1994.

Cook, Rebecca. Women's Health and Human Rights: The Promotion and Protection of Women's Health through

International Human Rights Law

. Rep. International Human Rights Programme Faculty of Law,

University of Toronto, 1999. Web. <http://info.worldbank.org/etools/docs/library/48440/
m1s5cook.pdf>.

Discrimination against Women: The Convention and the Committee

. Rep. no. 22. Office of the Commissioner on

Human Rights, June 1993. Web. <http://www.ohchr.org/Documents/Publications/
FactSheet22en.pdf>.

Engendering Development: Through Gender Equality in Rights, Resources, and Voice

. Washington, D.C.: World Bank

Publication, 2001.

Hernandez-Truyol, Berta E. "Women's Rights as Human Rights — Rules, Realities and the Role of Culture

A Formula for Reform." Intercultural Communication: a Global Reader. Ed. Fred E. Jandt. Thousand
Oaks, CA: Sage Publications, 2004. 328-43.

Kristof, Nicholas D., and Sheryl WuDunn. "The Women’s Crusade." The New York Times. 17 Aug. 2009.

Maiese, Michelle. "Human Rights Protection." Beyond Intractability - More Constructive Approaches to Destructive

Conflict

. June 2004. Web. <http://www.beyondintractability.org/essay/human_rights_protect/>.

Merry, Sally E. Human Rights and Gender Violence: Translating International Law Into Local Justice. Chicago:

University of Chicago, 2006.

Moghadam, Valentine. “The ‘Feminization of Poverty’ and Women’s Human Rights.” Gender Equality and

Development Section; UNESCO.

2005. Web. <http://portal.unesco.org/shs/en/ev.php-

URL_ID=8282&URL_DO=DO_TOPIC&URL_SECTION=201.html>.

Moghadam, Valentine and Manilee Bagheritari. “Cultures, Conventions, and the Human Rights of

Women.” Gender Equality and Development Section; UNESCO. 2005. Web. <http://
portal.unesco.org/shs/en/ev.php-
URL_ID=8091&URL_DO=DO_TOPIC&URL_SECTION=201.html>

Molyneux, Maxine, and Shahra Razavi. Gender Justice, Development and Rights. Rep. no. 10. United Nations

Research Institute for Social Development, Jan. 2003. Web. <http://www.unrisd.org/unrisd/
website/document.nsf/462fc27bd1fce00880256b4a0060d2af/
bcd8413c6736cc34c1256cc9005627ac/$FILE/molraz.pdf>.

“Poverty, decision-making and human rights.” The World’s Women 2005: Progress in Statistics: United Nations

Division of Statistics.

2005. Web. http://unstats.un.org/unsd/demographic/products/indwm/

ww2005_pub/ww2005_chpt_6_poverty,%20decision-making%20and%20human%20rights.pdf

"Toward the Realization of Women's Right: Legal Reform and Implementation." Home. Food and

Agricultural Organization of the United Nations. Web. <http://www.fao.org/docrep/005/
y4311e/y4311e07.htm>.

UNFPA at Work: Six Human Rights Case Studies

. Rep. UNFPA and Harvard School of Public Health,

Program on International Health and Human Rights, 2008. Web. <http://www.unfpa.org/webdav/site/
global/shared/documents/publications/2008/6human_rights_cases.pdf>.

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C l i m a t e C h a n g e

Climate change is a serious and urgent challenge. Studies indicate that climate change is occurring faster
than expected. Delaying action will only make future action more costly. In a world where non-state actors
are increasingly at the forefront of global issues, a multistakeholder, cross-disciplinary and global dialogue
is needed to advance the international climate change agenda. Government and private sector leadership is
urgently required to put the world economy onto a low-carbon path. To provide guidance and help the
Forum realize its mission, intellectual input and insights derived from the Council will be shared for the
benefit of the advancement of the Forum's relevant industry initiatives in the field of climate change.

Climate change will have the greatest effects on the world’s poor and marginalized. Given
that women comprise the majority of the poor, introducing a gender perspective to
discussions about and initiatives to curb climate change will provide a more nuanced and
effective response to the changing climate.

The changing environmental energy balance resulting from greenhouse gas emissions will
likely have unprecedented effects worldwide, including an increase in natural disasters.
Women and children are 14 times more likely to die in a disaster, for boys are more likely
to be taught survival skills such as tree-climbing and swimming, and women are more
likely to stay back to help children or the elderly. Simultaneously, however, women
frequently have a greater understanding of their natural environments than do men due
to their roles in collecting water and firewood, and therefore have the experience to help
prepare their communities for future natural disasters.

In both developed and developing countries, women generally are responsible for fewer
greenhouse gas emissions than men. However, women—especially in poor countries—
also frequently have a lesser ability to mitigate and adapt to climate change than men.
Women’s lack of access to resources and to the decision-making table hinders the
implementation of participatory strategies that not only address women’s unique needs in
relation to climate change, but also fail to take into account women’s and girls’
meaningful contributions to climate policy.

Changes in the climate will have far-reaching effects, including exacerbating conflicts over
natural resources. Women will suffer in a different manner than men during these
conflicts, including being subjected to sexual abuse and facing increased danger
associated with completing daily tasks, such as getting water and firewood. Research
shows, however, that gender equality—both in society and in decision-making bodies—is
critical to effective post-conflict disarmament and reintegration. Including a gender
perspective in conflict-related climate discussions can thus play a critical role in mitigating
the social effects of climate change.

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C l i m a t e C h a n g e

Araujo, Ariana, and Andrea Quesada-Aguilar. Gender Equality and Adaptation. Rep. Women’s Environment

and Development Organisation, Jan. 2007. Web. <http://www.generoyambiente.org/arcangel2/
documentos/496.pdf>.

Denton, Fatma. "Climate Change Vulnerability, Impacts, and Adaptation: Why Does Gender Matter?"

Gender and Development

10.2 (2002): 10-20.

Gender and Climate Change Women as Agents of Change

. Rep. International Union for Conservation of Nature,

Dec. 2007. Web. <http://cmsdata.iucn.org/downloads/climate_change_gender.pdf>.

Gender and Climate Change: Mapping the Linkages

. Rep. Institute of Development Studies, University of Sussex,

June 2008. Web. <http://www.bridge.ids.ac.uk/reports/Climate_Change_DFID.pdf>.

Gender Perspectives: Integrating Disaster Risk Reduction into Climate Change Adaptation

. Rep. The United Nations,

2008. Web. <http://www.unisdr.org/eng/about_isdr/isdr-publications/17-
Gender_Perspectives_Integrating_DRR_CC/
Gender_Perspectives_Integrating_DRR_CC_Good%20Practices.pdf>.

Gender Perspectives on Climate Change

. Issue brief. UN Commission on the Status of Women, 28 Feb. 2008.

Web. <http://www.un.org/womenwatch/daw/csw/csw52/issuespapers/Gender%20and%
20climate%20change%20paper%20final.pdf>.

Lambrou, Yianna, and Grazia Piana. Gender: The Missing Component of the Response to Climate Change. Rep. Food

and Agricultural Organization of the United Nations, Apr. 2006. Web. <http://www.fao.org/sd/
dim_pe1/docs/pe1_051001d1_en.pdf>.

People-Centered Climate Change Adaptation: Integrating Gender Issues

. Rep. Food and Agricultural Organization of

the United Nations. Web. <ftp://ftp.fao.org/docrep/fao/010/a1395e/a1395e00.pdf>.

Tandon, Nidhi. Biopolitics, Climate Change and Water Security: Impact Vulnerability and Adaptation Issues for Women.

Rep. no. 73. Networked Intelligence, 2007. Web. <http://www.generoyambiente.org/arcangel2/
documentos/340.pdf>.

Resource Guide on Gender and Climate Change

. Rep. UNDP, 2009. Web. <http://content.undp.org/go/cms-

service/download/asset/?asset_id=1854911>.

Johnsson-Latham, Gerd. A Study on Gender Equality as a Prerequisite for Sustainable Development. Rep. no. 2. The

Environment Advisory Council, Swedish Ministry of the Environment, 2007. Web. <http://
www.gendercc.net/fileadmin/inhalte/Dokumente/Actions/ecological_footprint__johnsson-
latham.pdf>.

Mainstreaming Gender, Population, and the Environment

. Rep. Intercoast Network, Winter 2002. Web. <http://

www.crc.uri.edu/download/2002_41_CRC_GenderPopulationEnvironment.pdf>.

"UNEP Gender and the Environment." Environment for Development. United Nations Environment

Programme. Web. <http://www.unep.org/gender_env/About/index.asp>.

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B e n c h m a r k i n g P r o g r e s s i n

S o c i e t y

Quantifying prosperity and societal progress in a rigorous way is an essential step towards helping
governments and civil society prioritize actions and policies. Although economic growth and GDP-based
measures are key elements in assessing societies’ well-being, it is ever-clearer that societal progress has
social, political and environmental aspects. Measuring progress should go beyond economic indicators to
include social, environmental and governance measures, among others. Building on the proposals
elaborated for the Global Redesign Initiative, challenges to be addressed going forward include:
encouraging the creation of better well-being indicators from official and non-official sources; capturing
selected aspects of social, economic, political and environmental progress; promoting the collection of
sounder, comparable indicators to foster data-driven policy-making; and designing quality-check
mechanisms for official and non-official statistics.

Governments recognized the importance of statistics on women for development
planning in 1975 at the World Conference of the International Women’s Year in Mexico,
and reiterated the relevance of such data at the second world conference in Copenhagen
in 1980. Gender benchmarking can help identify the gaps, ensure the realization of
gender equality goals and improve compliance with the Convention on the Elimination of
All Forms of Discrimination Against Women. The Convention was adopted in 1979 to
specifically addressing discrimination against women and aims to redress gender
inequalities. Most governments have expressed commitments to improving gender
equality, greater transparency and accountability. However, there is often a gap between
participation and consultation in the formulation of new policies and legislation, and in
the allocation of resources. The use of data disaggregation helps in combining indicators
to reveal patterns, practices, and processes impacting gender inequalities. Gender
disaggregation displays data separately for relevant groups, and allows comparisons in
performance between genders. Sex-disaggregated data in public policy formulation
ensures that macro-economic policy frameworks address women’s priorities. For
example, a survey with sex disaggregated data on land titles in 1997 contributed to
concrete actions and significant increase in women’s names on land titles in less than five
years, explained Phothong Siliphong, national project coordinator at FAO.

To monitor progress in gender equality and the advancement of women and to guide
policy, it is crucial that reliable and timely statistics be available. Yet official national data
on basic demographic and social topics for gender analysis are at times deficient or
unavailable. Europe has the highest reporting rates, and Africa the lowest. The situation
in Africa is such that well over half of the countries provided sex-disaggregated data on
population and on primary, secondary and tertiary enrolment at least once between 1995
and 2003. However, less than a third were able to provide data on births, deaths and the
economic characteristics of the population by sex (UN, 2006). Often data available from
national surveys does not provide sufficient and reliable information to assist local
planners and policy-makers in creating gender sensitive policies and budgets. Even if such
data were available, often the low frequency of the surveys and delays in analysis and
reporting reduce the utility for planning and budgeting purposes. Therefore, having
timely, accurate and gender disaggregated data is essential to strengthening governance

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and achieving gender equality. Mainstreaming a gender perspective into national statistics
systems has to be systematic. Such data can provide insights and access to knowledge that
would otherwise go undiscovered. Its purpose is to identify which groups do not benefit
equally from programs and policies, primarily for discriminatory purposes.

Specific policy issues facilitate the quantification of women’s positions in comparison to
men’s. One of the negative implications of benchmarks relates to how they can divert
away from the values developments towards a means of merely achieving targets. The
case with which benchmarks can be quantified opens the door for a problem analysis and
solution that avoids tackling underlying structural problems. Nevertheless, those
structural problems must also be looked at if we are to achieve accurate gender
benchmarking. When considering and including gender in benchmarking, it is particularly
important to clarify whether the index is meant to measure gender inequality, gender
inequality only in the disadvantage of women, or a combination of gender inequality with
levels of achievement. Gender benchmarking and mainstreaming should not simply be
used as measures to allow women access to the labor markets, health and education, but
should also attempt to change and transform the economic and social structures
supporting those institutions. In the case of labor markets, issues such as working time,
pay, and job segregation have attracted very limited attention, yet it is arguably within
these areas of policy where progress is required for there to be any chance of moving
towards a more gender equal society. In fact, “it is important to remember that sex-
disaggregated data alone is not enough. We also need to analyze and understand the
underlying cultural, economic, social and political factors that are part of the structural
reasons for why human development indicators for men and women are not equal” said
Mr. Verniau, FAO Representative to Laos.

Benchmarking with gender disaggregated data helps government planning, programming
and budgeting towards the overall advancement of gender equality and the fulfillment of
women's rights. Identifying at the outset the targets and definitions relating to gender
equality will facilitate effective policy-making. Governments should therefore strengthen
their national statistical systems, mainstream gender in all aspects of the production of
their statistics, and develop and improve the concepts and methods to achieve gender
equality. Such data can in turn help promote greater accountability for public resources to
the people of a country, especially to women, who are generally more marginalized than
men in decision-making processes.

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B e n c h m a r k i n g P r o g r e s s i n S o c i e t y

Bibliography:

"All Posts Tagged 'Sex Disaggregated Data'" United Nations in the Lao PDR. Web. <http://

www.unlao.org/Blog/?tag=/sex disaggregated data>.

Budlender, Debbie, Martha Melesse, and Celia Reyes. Facilitating Evidence-Based and Gender Responsive Budgeting

through the Use of CBMS: Lessons from Pilot Projects

. Rep. United Nations Capital Development Fund,

Jan. 2008. Web. <http://www.uncdf.org/gfld/docs/CBMS-GRB.pdf>.

Elson, Diane. Gender Responsive Budget Initiatives: Key Dimensions and Practical Examples. Rep. UNICEF, Oct.

2001. Web. <http://www.gender-budgets.org/uploads/user-
S/11271649581Gender_Budget_Initiatives.pdf#page=8>.

Grosser, Kate. Best Practice Reporting on Gender Equality in the UK: Data, Drivers and Reporting Choices. Rep. no.

35-2006. Ed. Jeremy Moon. International Centre for Corporate Social Responsibility Nottingham
University Business School, 2006. Web. <http://www.edf.org.uk/publications/
KateGrosser.pdf>.

Johnson, Ruth S. Using Data to Close the Achievement Gap: How to Measure Equity in Our Schools. Thousand

Oaks: Corwin, 2002.

Lombardo, E. "Gender Mainstreaming in the EU: Incorporating a Feminist Reading?" European Journal of

Women's Studies

13.2 (2006): 151-66.

Meier, Petra, and Emanuela Lombadro. "Gender Mainstreaming and the Bench Marking Fallacy of Women

in Political Decision-Making." The Greek Review of Social Research, Special Issue Differences in the Framing
of Gender Inequality as a Policy Problem across Europe

117 (2005): 35-61.

Platenga, Jannecke, Jordi Potrony, and Chantal Remery. Measuring Progress Towards the Knowledge-Based Society,

Quality of Working Life and Gender Equality

. Rep. Ed. Maria Caprile. Wellknow – HPSE- CT, Dec.

2004. Web. <www.bifrost.is/files/Skra_0006771.pdf>.

Rubery, Jill. "Gender Mainstreaming and European Employment Policy." Labour Markets, Gender and

Institutional Change: Essays in Honour of Günther Schmid

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Günther Schmid, and Klaus Schömann. Cheltenham: Edward Elgar Limited., 2002. 111-35.

Rubery, Jill. "Gender Mainstreaming and Gender Equality in the EU: the Impact of the EU Employment

Strategy." Industrial Relations Journal 33.5 (2002): 500-22.

The World's Women 2005: Progress in Statistics

. Rep. United Nations Department of Economics and Social

Affairs, Statistics Division, 2006. Web. <http://unstats.un.org/unsd/demographic/products/
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"Women, Poverty & Economics - Gender Issues - UNIFEM." United Nations Entity for Gender Equality

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women_poverty_economics/>.

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P o p u l a t i o n G r o w t h

Recent UN projections suggest that world population, currently 6.8 billion, will reach 9.2 billion by
2050; alternative UN scenarios envision a range from 8.0 to 10.5 billion. Since 1950, population has
increased in virtually every country. However, population is projected to decrease in nearly one-fifth of the
world's countries - most of them wealthy industrial countries - between now and 2050.

From 2005 to 2010, the world population has been increasing by about 78 million people
per year (UNFPA). Nearly all of the increase is in urban areas of the developing world,
aggravating political, social, economic, environmental and humanitarian consequences.
On the other hand, the population growth in some of the industrialized economies is
decreasing, leading to concerns over negative population replacement ratios. The 49 least
developed countries have the fastest growth rates, averaging 2.3 percent per year. In
1986, 24 percent of the least developed countries considered their own population
growth to be too high. By 2007, the figure had risen to 78 per cent (World Population
Policies, 2007). A smaller world, stabilized at the lower end of the spectrum, such as at 8
billion rather than 11 billion mark, will not solve all the present problems, but it will
lower the hurdles to leap. Rapid growth in poor countries thwarts efforts to reduce
poverty, expand access to education and health and attain other development goals.
Limiting population growth can spur development in low-income countries by enabling
families and governments to make essential investments in development and social
services, as well as help limit the environmental damage that development brings.

One of the best ways to slow population growth is by ensuring that women have the
means and the power to make real choices about childbearing, including access to
voluntary family planning as part of comprehensive reproductive health services. More
women and couples are choosing to plan their families, space their pregnancies and limit
the number of their children, but funding for family planning is declining, and has been
doing so for more than a decade (UNFPA). The use of modern contraceptives has
increased worldwide, yet the rates vary widely by region: for example, less than one
quarter of married or in-union women in sub-Saharan Africa use any form of
contraception. Globally, more than 200 million women have an unmet need for
contraception, and contraceptive use remains low in countries with high fertility. The
most common reasons women do not use contraception when they want to delay a
pregnancy are inadequate knowledge about contraceptive methods, fear of social
disapproval, concern about potential side effects, and a belief that their husbands would
oppose it. Because of continued rapid population growth in countries with the greatest
unmet needs, the number of women facing unwanted pregnancies has steadily increased.
Unmet need for contraceptives is higher among women who are younger, have less
education and who live in rural areas.

To tackle inequities that are associated with rapid population growth, governments
should promote education and employment opportunities for women. For example,
better educated girls have fewer, healthier children and attain higher earnings. It was
shown that when the proportion of women with secondary schooling doubles, the
fertility rate is reduced from 5.3 to 3.9 (World Bank, 2008). Keeping girls enrolled in
school through the secondary level reduces vulnerability and furthers their economic and

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P o p u l a t i o n G r o w t h

social development. This is particularly important since adolescence is a period of
vulnerability to life-changing events, from child marriage or coerced sex to unplanned
pregnancies and HIV/AIDS. It is believed that approximately 700,000 cases of HIV in
young adults could be prevented annually if all children received a complete primary
education (Global Campaign for Education, 2004). Slower population growth, and hence
smaller families, also improve economic prospects for the household and enable more
women to join the labor force or engage in other entrepreneurial activities, thus
benefiting the overall economy. In turn, economically active women have higher
opportunity costs of marriage and child bearing, which leads them to postpone marriage,
schedule births later in life and have fewer children on average compared to non-
economically active women.

More interventions directed at women should be included when considering the
environmental impact of large population growth. Women make up two thirds of the
world's poorest people, and in developing nations women are the first to encounter the
effects of ecological stress: women must walk farther to get wood for cooking and
heating, to search for clean water and to find new sources of food. In addition, because
mothers tend to be responsible for rearing children and ensuring sufficient resources to
meet their needs for nutrition, health care and schooling, women's lives are often
inextricably linked to natural resource use. Population growth and the pollution of water,
air, and soil are contributing to the increasing number of human diseases worldwide.
Currently, an estimated 40 percent of world deaths are due to environmental degradation.
Specifically targeting initiatives to limit population growth will help ease increases in
water shortages, slow the loss of forests, fisheries and biodiversity, help to stop the rise of
greenhouse-gas emissions and help build the resilience of countries as they adapt to
climate change.

Population growth and poverty go hand in hand, and interventions should attempt to
address both issues simultaneously. In the case of developing countries, lower population
growth may also reduce the pressures on national resources and the need for social
investments. In the interests of long-term environmental sustainability, some argue that
zero population growth is the ideal. It varies from around 2.1 in developed countries to
over 3.0 in some developing countries. Few achieve such balance, and in the case of some
industrialized economies, women’s education and economic participation engender
negative population growth rates which raise concern for competing in the global
economy.

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P o p u l a t i o n G r o w t h

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Web. <http://www.jhsph.edu/bin/u/d/MakingtheCase.pdf>.

Mazur, Laurie. "A Neglected Climate Strategy: Empower Women, Slow Population Growth." Bulletin of

the Atomic Scientists, 12 Oct. 2009. Web. <http://www.thebulletin.org/web-edition/op-eds/
neglected-climate-strategy-empower-women-slow-population-growth>.

Morrison, Andrew, and Shwetlena Sabarwal. The Economic Participation of Adolescent Girls and Young Women:

Why Does It Matter?

Rep. The World Bank. Web. <http://siteresources.worldbank.org/

INTGENDER/Resources/PolicyNoteRevised.pdf>.

Pimentel, D., S. Cooperstein, H. Randell, D. Filiberto, S. Sorrentino, B. Kaye, C. Nicklin, J. Yagi, J. Brian, J.

O’Hern, A. Habas, and C. Weinstein. "Ecology of Increasing Diseases: Population Growth and
Environmental Degradation." Human Ecology 35.6 (2007): 653-68.

"Overview Global Population and Environment Sierra Club." Sierra Club. Web. <http://

www.sierraclub.org/population/overview/#three>.

World Population Policies

. Rep. UN Department of Economic and Social Affairs, Population Division, 2007.

Web. <http://www.un.org/esa/population/publications/wpp2007/
Publication_introduction.pdf>.

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Sixty years of combating poverty have produced very mixed results. A quarter of humanity still lives on
less than US$ 1.25 a day. In sub-Saharan Africa, half the population (the same share as in 1981) lives
on that amount. Recognizing that economic growth represents the best answer to poverty, developing
countries and the development community are increasingly focusing on creating the conditions for growth.
Yet growth at all costs is not desirable. Successful strategies must pursue “quality growth”, strong,
sustained, shared and clean growth that narrows structural inequalities, protects the environment and
sustains the growth process itself, while reducing extreme poverty. This quality imperative makes the
challenge even more formidable, but if successfully addressed the benefits promise to be huge and durable.

A growing body of evidence is demonstrating that investing in women and girls is crucial
to development effectiveness. Gender equality and women’s empowerment are
fundamental cornerstones for achieving development results and increasing the impact of
aid on reducing poverty and inequality, increasing growth, building capacity and
accelerating achievement of the Millennium Development Goals (MDGs). Moreover,
gender inequalities are costly and undermine development effectiveness. The evidence
suggests gender equality is desirable from an efficiency perspective: increases in
opportunities for women lead to improvements in human development outcomes,
poverty reduction, and potentially accelerated rates of economic growth.

According to the World Bank’s “Gender Action Plan,” expanding women’s and girls’
economic opportunities is smart economics. While women’s and girls’ education and
health levels have improved in most poor countries, progress is lagging on improving
their economic opportunities. This is inefficient, since increased women’s labor force
participation and earnings are associated with reduced poverty and faster growth. This is
also why the GAP concentrates on facilitating girls’ transition from school to work.
Women will benefit from their economic empowerment, and so will men, children and
society as a whole. In its agreed conclusions on “Financing for gender equality and the
empowerment of women” adopted at its fifty-second session in 2008, the UN
Commission on the Status of Women noted the growing body of evidence which
demonstrated that investing in women and girls had a multiplier effect on productivity,
efficiency and sustained economic growth, and that increasing women’s economic
empowerment was central to achievement of the Millennium Development Goals and to
poverty eradication.

Women’s entrepreneurship is expanding around the world, both in emerging and
developed economies. Women entrepreneurs constitute a growing share of SME owners
and are creating new niches for entrepreneurial activity, but are often confronted with
special barriers to business creation and development. Fostering the growth of women’s
entrepreneurship is an effective strategy to create jobs, catalyze economic development,
empower women and foster social cohesion. Research has shown that women face a
number of difficulties in establishing and maintaining businesses. Although most of these
difficulties are common to both genders, in many cases they tend to be more significant
for women entrepreneurs and would-be entrepreneurs. This is due to factors such as a
poor business environment, the choice of business types and sectors, information gaps,
lack of contacts and access to networking, gender discrimination and stereotypes, weak
and inflexible supply of childcare facilities, difficulties in reconciling business and family

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obligations or differences in the way women and men approach entrepreneurship.
However, research has also shown that women in general create smaller but relatively
more viable enterprises.

This time of economic crisis poses particular risks for women and girls: when economies
start to crumble, women are the first to suffer. The jobs and incomes lost
disproportionately affect women; mothers can no longer find credit through micro-
finance institutions and are pushed from the informal sector into subsistence work; girls
are more likely to be withdrawn from school to lend a hand at finding more resources for
the household; and when families have to tighten their belts, girls are more likely to
become malnourished. It is crucial to ensure that policy responses to the financial and
economic crisis take into account the differential priorities and needs of women, men,
girls and boys and do not undermine the policies and plans that promote gender equality
and women's empowerment.

Long-term solutions can begin with the educational system, with entrepreneurial
education starting as early as possible in the education process. School-sponsored
business games support entrepreneurial ways of thinking and acting, promote personality
development and help to reduce gender related problems. When preparing for the actual
start-up, women require specific training. Training activities should be based on an
interdisciplinary approach and involve successful women entrepreneurs. In this context
imparting theoretical knowledge and sharing hands-on experience is equally important.
Role models who draw a realistic picture of female entrepreneurship can encourage
women to take the chance of being self-employed.

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P o v e r t y a n d E c o n o m i c G r o w t h

Bibliography:

"About ProWomEn." ProWomEn - Promotion Of Women Entrepreneurship. Web. <http://

prowomen.newcome.de/prowomen/english/index.php>.

DAC Guiding Principles for Aid Effectiveness, Gender Equality and Women’s Empowerment

. Rep. Organisation for

Economic Co-operation and Development, Dec. 2008. Web. <http://www.oecd.org/
dataoecd/14/27/42310124.pdf>.

Declaration on Fostering Women’s Entrepreneurship in the MENA Region

. Rep. Organisation for Economic Co-

operation and Development, 28 Nov. 2007. Web. <http://www.oecd.org/
dataoecd/54/54/43692629.pdf>.

Engendering Development: Through Gender Equality in Rights, Resources, and Voice

. Washington, D.C.: World Bank,

2001.

Evaluation on Policy: Promotion of Women Innovators and Entrepreneurship

. Rep. The European Commission,

Enterprise and Industry Directorate General, 25 July 2008. Web. <http://ec.europa.eu/
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"Gender Action Plan: Gender Equality as Smart Economics." Gender and Development. World Bank Group.

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Gender and Economic Empowerment of Women

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Development, Sept. 2007. Web. <http://www.oecd.org/dataoecd/16/42/39921766.pdf>.

Gender Equality as Smart Economics: A World Bank Group Gender Action Plan (Fiscal Years 2007–10)

. Rep. The

World Bank, Sept. 2006. Web. <http://siteresources.worldbank.org/INTGENDER/Resources/
GAPNov2.pdf>.

Good Practices in the Promotion of Female Entrepreneurship: Examples from Europe and Other OECD Countries

. Rep.

The European Commission, Enterprise and Industry Directorate General, Dec. 2002. Web.
<http://old.amazone.be/images/Projecten/Diane/study-female-entrepreneurship-en.pdf>.

Hausmann, Ricardo, Saadia Zahidi, and Laura Tyson. Global Gender Gap Report 2008. Rep. The World

Economic Forum, 2008. Web. <http://www.weforum.org/pdf/gendergap/report2008.pdf>.

Morrison, Andrew, Dhushyanth Raju, and Nistha Sinha. Gender Equality, Poverty and Economic Growth.

Working paper no. 4349. The World Bank, Sept. 2007. Web. <http://www-wds.worldbank.org/
external/default/WDSContentServer/IW3P/IB/2007/09/11/000158349_20070911132056/
Rendered/PDF/wps4349.pdf>.

"The Bologna Charter on SME Policies." Centre for Entrepreneurship, SMEs and Local Development.

Organisation for Economic Co-operation and Development, 15 June 2000. Web. <http://
www.oecd.org/document/17/0,3343,en_2649_34197_1809105_1_1_1_1,00.html>.

The Impact of Trade Liberalization on Gender Equality

. Rep. no. 86. The World Bank, May 2004. Web. <http://

siteresources.worldbank.org/INTGENDER/Resources/premnote86.pdf>.

Why Is Women’s Economic Development Good for Development?

Rep. The World Bank. Web. <http://

siteresources.worldbank.org/INTGENDER/Resources/
womens_economic_empowerment.pdf>.

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P o v e r t y a n d E c o n o m i c G r o w t h

"Women." International Gateway for Financial Education. Organisation for Economic Co-operation and

Development. Web. <http://www.financial-education.org/
document/43/0,3343,en_39665975_39667129_40309739_1_1_1_1,00.html>.

"Women Entrepreneurship Portal - Small and Medium Sized Enterprises (SME) - Enterprise and Industry."

Homepage

. EUROPA - European Commission. Web. <http://ec.europa.eu/enterprise/

entrepreneurship/support_measures/women/womenentr_portal.htm>.

"WomenWatch: The Gender Perspectives of the Financial Crisis." Welcome to the United Nations: It's Your

World

. The United Nations. Web. <http://www.un.org/womenwatch/feature/financialcrisis/>.

World Survey on the Role of Women in Development

. Rep. The United Nations, 26 Oct. 2009. Web. <http://

www.un.org/womenwatch/daw/public/WorldSurvey2009.pdf>.

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E m p l o y m e n t a n d S o c i a l

P r o t e c t i o n

The financial and economic crisis is now a crisis of unemployment. Today 34 million more people are
unemployed than in 2007. An estimated 200 million more workers now live on US$ 2 per day, bringing
the total to over 40% of the global workforce. As workers see their purchasing power fall, the cycle of
decline continues, undermining the first signs of economic recovery. Therefore, a job-rich recovery is needed.
Social protection, the set of policies and programmes designed to reduce poverty and vulnerability by
promoting efficient labour markets, is limited or non-existent in many countries. Unless swift measures
are taken, social unrest and political instability will rise, and unless the right policies are put in place for
employment and social protection, the current crisis threatens future global growth.

Social protection programs directly reduce poverty through improved health outcomes,
increased school attendance, hunger reduction and livelihood promotion. They help
reduce gender disparities in human development outcomes, and promote efficient labor
markets, addressing social hardship and helping maintain and promote employment. In
developing countries, social protection systems can also enhance national economic and
societal development, and help to raise women’s opportunities. Most of the vulnerable
women’s livelihood strategies, including work and remittances from international
migration, have been impacted by the recent financial crisis. When women struggle to
cope, there is an increased need to support them more formally through national state
run social protection programs.

The most significant factor explaining women’s exclusion from existing forms of social
protection is their over-representation in the informal sector in most countries. Two-
thirds of the active female population in developing countries works in the informal
economy, and the proportion is as high as 84 percent in sub-Saharan Africa compared to
63 percent of men (World Bank, 2002). Areas with strict norms of female seclusion are
most likely to report women in the unpaid-family economy and in various kinds of home-
based self-employment. These regions are least likely to see women active in those
segments of the labor force which lead to mobility in the public domain. Since women
represent the bulk of the informal sector workforce in developing countries, social
security programs cover a relatively small percentage of women. In these countries,
because the informal economy does not necessarily fluctuate in style with economic
growth, policies aimed at increasing employment and reducing poverty will be more
effective when they take into account the informal economy and hence gender. This
means that measures, such as skills development, the promotion of entrepreneurship, and
improving working conditions must be designed for delivery and impact in the informal
economy.

Women face particular barriers and biases concerning their access and participation in
economic growth. Their employability can be enhanced through measures that
specifically address their respective constraints and potentials, and by paying particular
attention to activities where women have high labor market participation, such as the
productivity and employability of poor women can be increased with well-tailored
vocational training, building on basic education and life skills. These programs must be
demand-driven, apply to the informal economy and become an integral part of education

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E m p l o y m e n t a n d S o c i a l P r o t e c t i o n

and employment strategies. Such initiatives relate to developing micro-finance programs
which enable women to earn an income and initiate a series of ‘virtuous spirals’ of
economic empowerment; and engaging the private sector to adopt adequate vocational
training programs and the protection of the more precarious side of employment.

Women’s unemployment, and employment in the informal economy, can be redressed by
enhancing women’s perceptions of sex-roles, improving their potential to encompass
technology and entrepreneurial skills, and through promoting their access to the green
economy. These strategies have the potential to move low-wage women into jobs with
living wages, benefits, access to training, and to drive down unemployment. Women have
typically been excluded from access to technology since they have less disposable income
and thus less able to afford the costs of technology tools, less access to formal education
including formal computer education and have greater time constraints restricting their
access to training and workshops. Policymakers should therefore promote trainings and
technology distribution among women by developing awareness campaigns, dispel sex-
roles in education and promote the awareness of non-gendered employment
opportunities. In relation to the green economy, which is targeted by governments as a
means to overcome unemployment, women in both developing and industrialized
economies face several obstacles to entering the green workforce, especially in the
construction and manufacturing industries. Some challenges are cultural, whereby girls
are raised to believe that construction-related jobs are too strenuous and, as a result, will
choose a “traditional” career, which frequently pays far less than a job as a skilled laborer.
Other challenges relate to speeding up efforts to make women aware that alternatives to
labor-intensive construction positions exist, including information technology, purchasing
and administrative areas.

The rise in informality of the global economy and the over-representation of women in
informal employment underlines the need to consider how to extend social protection to
this group of workers, predominantly composed of women. Providing productive and
decent employment for both men and women is fundamental for social protection to
exist. Policy-makers should address the micro-entrepreneur’s potential, reform the
training policies and systems, enhance the informal sector’s employment and income-
generating capacity, and improve the organization of informal sector producers and
workers.

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E m p l o y m e n t a n d S o c i a l P r o t e c t i o n

Bibliography:

Barrientos, Armando. Women, Informal Employment, and Social Protection in Latin America. Rep. University of

Manchester, Institute for Development Policy and Management, May 2002. Web. <http://
new.paho.org/hss/index2.php?
option=com_docman&task=doc_view&gid=10537&Itemid=99999999>.

"Barriers and Breakthroughs: Using Technology to Empower Women's Participation | World Movement

for Democracy." World Movement | Home. World Movement for Democracy. Web. 5 Jan. 2011.
<http://www.wmd.org/assemblies/fourth-assembly/reports/justice-pluralism-and-participation/
barriers-and-breakthroughs-us>.

Chen, Martha Alter., Joann Vanek, and Marilyn Carr. Mainstreaming Informal Employment and Gender in Poverty

Reduction: a Handbook for Policy-Makers and Other Stakeholders

. Ottowa: International Development

Research Centre, 2004.

Davies, Mark, and J. Allister McGregor. Social Protection: Responding to a Global Crisis. Rep. Institute of

Development Studies, UK, 31 Mar. 2009. Web. <http://www.ids.ac.uk/index.cfm?
objectid=8927FD69-E871-50C2-A5F7736B584EA6DB>.

Employment and Social Protection in the Informal Sector

. Rep. International Labor Organization, Mar. 2000. Web.

<http://www.ilo.org/public/english/standards/relm/gb/docs/gb277/pdf/esp-1-1.pdf>.

Imhanlahimi, E. O., and F. E. Eloebhose. "Problems and Prospects of Women Access to Science and

Technology Education in Nigeria." College Student Journal 40 (2006).

Kabeer, Naila. Mainstreaming Gender in Social Protection for the Informal Economy. London: Commonwealth

Secretariat, 2008. Print.

Klammer, Ute. Working Women in the Age of Flexibility: New Diversities, New Needs for Social Protection. Rep. Oct.

2000. Web. <http://www.basicincome.org/bien/pdf/2000Klammer.pdf>.

Lund, Frances, and Smita Srinivas. Learning from Experience: a Gendered Approach to Social Protection for Workers

in the Informal Economy

. Geneva: International Labour Office, 2005.

Promoting Pro-Poor Growth: Employment and Social Protection.

Rep. Organisation for Economic Co-operation and

Development, 2009. Web. <http://www.oecd.org/dataoecd/63/8/43514582.pdf>.

Sabates-Wheeler, Rachel, and Naila Kabeer. Gender Equality and the Extension of Social Protection. Rep. no. 16.

International Labor Organization, 2003. Web.

Size of the Informal Economy

. Rep. The World Bank, 2002. Web. <http://info.worldbank.org/etools/docs/

library/76309/dc2002/proceedings/pdfppt/statistics.pdf>.

Social Protection Responses to the Financial Crisis: What Do We Know?

Rep. no. 7. Institute of Development

S t u d i e s ,

U K ,

M a r .

2 0 0 9 .

W e b .

< h t t p : / / w w w . u n i c e f . o r g / e a p r o /

Social_Protection_Responses_to_the_Financial_Crisis_-_What_do_we_Know.pdf>.

Templeton, Hollis. "Small Steps for Women in a Green Economy." Medill Reports. Northwestern University,

23 Apr. 2009. Web. <http://news.medill.northwestern.edu/washington/news.aspx?id=127177>.

Page 29

M i g r a t i o n

Migration is a key driver in international affairs. Three out of every 100 people are migrants. The
breadth and depth of migration have increased significantly in the last decade and its social, cultural and
economic implications have become more complex. Bleak perspectives at home, job prospects in destination
countries, the existence of transnational social networks, conflict and persecution are cited as the principal
driving forces of migration. Increasingly the effects of climate change are pushing people to migrate. Some
key actors, including parts of the business community, advocate for policies facilitating migration. Others
oppose migration, asserting harmful impacts on wages, social welfare, but also on local cultures. What are
the responsibilities of government, business and international organizations in steering migration flows and
fostering the integration of migrants?

Climate change and conflict have considerably increased the number of migrants globally,
but only recently has the effect of migration on women begun to be considered. Women
migrants cannot be ignored, however, as of 2000, women accounted for 49-51% of
international migration worldwide. Introducing a gender perspective will aid in
determining the specific forms of exploitation to which migrant women are vulnerable,
and in acknowledging the manifold and highly desirable skills they have to offer to their
new host countries.

Migrant women play a part in the economic development of both their country of
destination and their country of origin through financial contributions from remittances,
the improvement of their own skills or their contribution to the improvement of the
education and skills of the next generation. Individual remittance transfers continue to be
an important source of income for many families in developing countries. Migrant
women may also influence the societies of origin by disseminating new values about the
rights and opportunities for women.

Refugee women and girls face particular problems regarding their legal and physical
protection. The United Nations High Commissioner for Refugees has issued guidelines
on gender-related persecution that recognize that gender perspectives can influence the
reasons behind and type of persecution or harm suffered by women. Many factors
contribute to the vulnerability of refugee and displaced women and girls to sexual
violence and exploitation. The traditional communal support systems for protection of
widows, single women and unaccompanied minors may no longer exist in camp
situations. Power relations in situations where women and children are dependent on aid
may increase vulnerability to sexual exploitation. Equal access to food and other essential
items is a key issue for refugee and displaced women and children, as is their participation
in decisions regarding their future and that of their families.

Migration can profoundly affect the health and well being of both migrating women and
women staying behind when their spouses migrate. The impact on women’s health is
complex, involving an interaction of broader determinants of health (including access to
health care services) as well as the types of illnesses to which they are exposed. Women
migrants who work in hazardous jobs face occupational health problems. Women both
affect migratory patterns and are affected by migration in a variety of ways, and
acknowledging their needs is critical to moving toward gender equality.

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M i g r a t i o n

Bibliography:

2004 World Survey on the Role of Women in Development Women and International Migration

. Rep. United Nations

Department of Economic and Social Affairs, Statistics Division, 2006. Web. <http://
www.iemed.org/activitats/2009/Dona_educacio/Documentaci%C3%B3%20Dona%20i%
20Educaci%C3%B3/WorldSurvey2004-Women&Migration%20EN.pdf>.

Boyd, Monica, and Elizabeth Grieco. "Women and Migration: Incorporating Gender into International

Migration Theory." Migration Fundamentals. Migration Information Source, Mar. 2003. Web.
<http://www.migrationinformation.org/Feature/display.cfm?id=106>.

Fry, Richard. Gender and Migration. Rep. Pew Hispanic Center, 5 July 2006. Web. <http://pewhispanic.org/

files/reports/64.pdf>.

Piper, Nicola. Gender and Migration. Rep. Global Commission on International Migration, Sept. 2005. Web.

<http://www.gcim.org/attachements/TP10.pdf>.

"UNFPA State of World Population 2006." United Nations Population Fund, 2006. Web. <http://

www.unfpa.org/swp/2006/english/introduction.html>.

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E d u c a t i o n

Education plays a critical role in reducing world poverty and inequality, in fuelling innovation and
productivity gains and in accelerating economic and health-focused advances. However, the Millennium
Development Goals for Education will not be achieved without strong leadership and heightened
commitment, coupled with bold actions within the next five years. The case for renewing and revitalizing
the global commitment to education should not only appeal to but also compel a broad range of
stakeholders to engage in an approach to redesign and enhance the quality of education systems worldwide.
This Council continues to focus on advancing solutions to the most critical issues affecting the delivery of
accessible, relevant and quality education, building on the recommended actions it has highlighted.

Education is the engine that fuels innovation and economic growth, a critical driver in
national competitiveness and the most powerful mechanism to reduce world poverty and
inequality. Notwithstanding significant progress, the challenges in education remain
significant: 72 million children lack primary education, 130 million young people remain
illiterate and the gap between higher education output, employability and
entrepreneurialism is widening. The world needs to develop stronger, higher quality
education systems supported by sustainable funding and delivered by integrated
cooperation between multiple stakeholders. Failure to rethink education systems now will
translate into a dearth of leaders and socially responsible individuals capable of addressing
the 21st century’s complex challenges.

National economic competitiveness and the intergenerational poverty cycle can be
improved by addressing gender disparities in educational access. Long-term growth can
be increased and poverty reduced by enabling women to move successfully through
education to productive employment. There is much evidence that levels of schooling
amongst the population are highly correlated with levels of economic development. Past
research shows that as average education levels increase, average income levels and
income growth rates also rise. Nevertheless, more recent research has left the position
much less certain, particularly for developing countries. For example, as education levels
increased from the 1960s to the 1990s, growth rates moved in the opposite direction for
many countries, especially in Africa (Kanbur, 2002). Perhaps one reason for the lack of a
relationship between levels of education and growth is that gender inequality in education
was increasing during this period.

Women are the majority of the world’s population and potential workforce, yet have
relatively less access to education than men. The 2010 Global Gender Gap report shows
that whilst the education gaps are closing (out of 134 countries analyzed, 22 countries
have achieved complete parity for gender education and only 24 countries have a score
below 0.9), there remain disparities in terms of levels and quality of education. According
to the 2006 United Nations Girls’ Education fact sheet, two-thirds of all illiterate adults
worldwide are women. Around the world, there are still over 77 million children out of
school of which 44 million of them are girls. A mother’s education level is correlated to
that of her children; hence providing women with access to education creates a positive
feedback loop. In developing countries, 75 percent of the children not enrolled in
primary school have uneducated mothers. Also, educational improvements have been
associated with declining fertility rates: a year of schooling for girls reduces infant
mortality by 5 to 10 percent (World Bank, 2008). It was shown that the greatest impact of

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E d u c a t i o n

education on fertility occurs when levels of education are at secondary level: when the
proportion of women with secondary schooling doubles, the fertility rate is reduced from
5.3 to 3.9 (World Bank, 2008). In relation to HIV/Aids, higher education levels for girls
are associated with a reduced risk of HIV and other sexually transmitted infections. It is
believed that approximately 700,000 cases of HIV in young adults could be prevented
annually if all children received a complete primary education (Global Campaign for
Education, 2004). Overall, education has been found to increase women's levels of
autonomy in decision-making, in acquiring knowledge, in gaining access to economic
resources, and in interacting with a wider social circle.

Some countries still struggle to get girls through school: 20 percent of eligible girls
worldwide do not go to school compared to 16 percent of boys (UNESCO, 2005).
Women face many barriers to educational access and attendance, including household
chores, care of family members and lack of safety. Girls in poor households are
particularly likely to miss out on schooling because of the perceived and actual costs to
households of girls’ schooling. These costs are both direct, such as fees, books, pencils,
paper, required clothing and transport, and opportunity costs such as lost chore time and
foregone earnings. Poor households sometimes see investing in girls’ education as not
worthwhile as they expect daughters to leave the household upon marriage, or women’s
responsibilities remaining within the home. Son preference in Asia and developing
economies also affects gender differences in literacy and educational attainment. The
current earning capacity of women influences expectations of how much a girl in
education can expect to earn in later life. Research shows that in terms of wages, women
receive higher returns to their schooling investment (ie wage gain on their initial
investment): in girls’ return on average is 9.8 percent, compared with 8.7 percent for men
(Psacharopoulos and Patrinos, 2004). In some countries, more girls than men get through
tertiary education but often countries do not get a good return on those investments
since women are not fully integrated into the production economy. Barriers affecting
women’s inclusion in the formal labor markets render the benefits of their education
difficult to exploit and to translate into economic gains. Overall, parents see the benefits
of educating boys as more tangible.

The best practices and policy recommendations, incentives to remedy the gender
disparities in education can broadly be classified into two groups: those offering financial
inducements to parents, schools or the students themselves to stay in school, and
programs making schools more ‘female-friendly’ by employing more women teachers, or
providing separate sanitation facilities and additional support. There is now considerable
evidence that scholarships can significantly increase girls’ enrollment. For example, in
Bangladesh a scholarship program contributed to reversing the gender gap in school
enrollment; today, more girls than boys attend school (World Bank 2001). In addition, the
need for government intervention is great since the costs may seem higher to parents and
the benefits more distant and harder to capture. The most effective way for governments
to increase girls’ education is to make universal education (primary as step one, but also
secondary) free and mandatory, while undertaking reforms to improve the quality and
benefits of education. For example, by cutting school fees in Uganda, the total of girls’
enrollment went from 63 percent to 83 percent, and the enrollment among the poorest

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E d u c a t i o n

fifth of girls went from 46 percent to 82 percent (Bruns et al. 2003). Research also
demonstrates that building local schools with community support and flexible schedule
or making the schools more girl-friendly are important to keep girls in education for
longer. For example, in Malaysia, the absence of a secondary school in the community
lowers the probability of girls’ attendance by 17 percent and boys’ by 13 percent (World
Bank 2001).

Research demonstrates that investing in girls delivers high returns for economic growth
and broad benefits ranging from smaller families, to disease prevention, to women’s
health. To maximize the possibilities of increasing girls’ education levels, there must be
increasing leadership and political will at the individual country level, development of
comprehensive national education strategies and adequate mobilizing of internal and
external resources targeted at girls’ education. Any comprehensive education strategy
must differentiate between how girls get to education parity and how boys react to this.

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E d u c a t i o n

Bibliography:

Akmam, Wardatul. "Women's Education and Fertility Rates in Developing Countries, With Special

Reference to Bangladesh." Eubios Journal of Asian and International Bioethics 12 (2002): 138-43.

Children out of School: Measuring Exclusion from Primary Education

. Rep. UNESCO Institute for Statistics, 2005.

Web. <http://www.uis.unesco.org/template/pdf/educgeneral/OOSC_EN_WEB_FINAL.pdf>.

Getting Girls into School: a Development Benefit for All

. Rep. no. 8. 3ie Enduring Questions Brief, May 2009.

Web. <http://www.ungei.org/resources/files/Getting_Girls_into_School.pdf>.

Girls Too! Education for All

. Rep. United Nations Girls’ Education Initiative, Nov. 2006. Web. <http://

www.ungei.org/resources/files/Ungeifactsheet_Nov06.pdf>.

Global Agenda Council Reports 2010: Summaries of Global Agenda Council Discussions from the Summit on the Global

Agenda 2009.

Rep. The World Economic Forum, 2010. Web. <https://members.weforum.org/

pdf/globalagenda2010.pdf>.

Kanbur, Ravi. Education, Empowerment and Gender Inequalities. Rep. Cornell University, June 2002. Web.

<http://www.arts.cornell.edu/poverty/kanbur/ABCDE.pdf>.

Lin, Tin-chi. The Decline of Son Preference and Rise of Gender Indifference in Taiwan Since 1990. Rep. Demographic

Research, 16 Apr. 2009. Web. <http://www.demographic-research.org/volumes/vol20/16/20-
16.pdf>.

Oxaal, Zoë. Education and Poverty: A Gender Analysis. Rep. Institute of Development Studies, University of

Sussex, June 1997. Web. <http://www.bridge.ids.ac.uk/reports/re53.pdf>.

Tembon, Mercy, and Lucia Fort, eds. Gender Equality, Empowerment, and Economic Growth. Rep. The World

Bank, 2008. Web. <http://siteresources.worldbank.org/EDUCATION/Resources/278200-
1099079877269/547664-1099080014368/DID_Girls_edu.pdf>.

The Growth Report: Strategies for Sustained Growth and Inclusive Development

. Washington DC: World Bank on

Behalf of the Commission on Growth and Development, 2008.

The World Bank Group’s Education Sector Strategy 2020 Consultation Plan

. Rep. The World Bank, 11 Feb. 2010.

Web. <http://siteresources.worldbank.org/EDUCATION/Resources/ESSU/
Consultation_Plan-2010.02.11.pdf>.

Weale, Martin. Education, Externalities, Fertility, and Economic Growth. The World Bank. Rep. The World Bank,

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World Development Indicators 2005

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Herz, Barbara Knapp., and Gene B. Sperling. What Works in Girls' Education: Evidence and Policies from the

Developing World

. New York: Council on Foreign Relations, 2004.

I N D U S T R Y

A G E N D A

Telecom Industry

Mobile Financial Service

Health Industry

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This Council has two major objectives: 1) to serve the leaders of global society by framing key challenges
and issues in terms that help foster deeper understanding and appreciation for the broad overall impact of
information and communications technology and the specific value as a point of leverage to address
challenges in the areas of financial inclusion, healthcare delivery, education and eco-sustainability, and 2)
to help the Forum realize its mission of shaping global, regional and industry agendas by monitoring key
developments and to provide new ideas and angles to help frame the agenda for the World Economic
Forum Annual Meeting and other activities throughout the year.

Although all people stand to benefit from access to telecommunications, rural women
have the most to gain because of the many disadvantages they face (International Fund
for Agricultural Development, 2010). Women disproportionally encounter inequality in
terms of access to education and participation in the economy, as well as access to the
technological advancements that have created the globalized world of today. As the rest
of the world enjoys mobile and online services, women -particularly poor and rural
women- are routinely excluded (Ramilo et al, 2005). Increased access to technology for
women will benefit all involved; providers will augment their profits, and women will gain
financial empowerment and access to technology, which has been shown to promote
economic growth in the community as a whole (Gill et al, 2010). Existing technologies
have the ability to facilitate this process, and it is crucial that poor and rural women have
fair and equal access to these services.

Technologies in the telecommunications industry have improved the lives of millions of
people around the world, but they have yet to reach many more. Few statistics document
the gender divide in technology adequately, but it is estimated that that in Latin America,
women only make up 38 percent of internet users, 25 percent in Africa, 22 percent in
Asia, and a mere six percent in the Middle East (ibid). There are several key reasons that
women do not have the widespread access to the internet, mobile phones, radios, and
other forms of telecommunications. In many under-developed rural areas, the basic
infrastructure for these amenities is not in place; essential components like electricity and
telephone wires are not present (ibid). The main barriers to access, however, are directly
related to lifestyles; women are not only burdened with food production, child care, and
maintaining community infrastructure, but are also restricted by conservative ideologies
that prevent them from taking advantage of technological developments that contribute
to social development (Huyer and Mitter, 2003). In many societies, it is considered
improper for women to engage in public life.

Women comprise the majority of the world’s poor; likewise, two thirds of the world’s
illiterate population is female (UNFPA). Therefore, using modern technologies, most of
which are written in English, is beyond the capacity of many women (Huyer and Mitter,
2003). To make technologies more accessible, companies should work to ensure that
their software is made available in the local language. This would not only increase utility,
but also use and sales. Finally, access to technologies can be cost-prohibitive, ultimately
excluding women from the market. This sets off a vicious cycle of poverty in which they
cannot develop technical skills, so they cannot find jobs that earn enough income to
afford the technologies that are essential to reaching a higher economic status (Gill et al,
2010). Telecommunications firms and their partners can collaborate to make technologies

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affordable, user-friendly, and accessible in order to bring services equitably to all
interested communities.

The internet is the iconic product of transformative innovation in the field of
telecommunications. General benefits for low-income and rural people are similar to the
ones that most other people enjoy: access to and exchange of information, the ability to
search current market prices, farming techniques, and information on health care,
education, and politics (Ramilo et al, 2005). Up-to-date knowledge of these subjects is
essential for informing and empowering women and their communities. One program,
developed in Bangladesh to combat the exclusive nature of the internet known as
Shidhulai Swanirvar Sangstha, has turned a fleet of solar-powered indigenous-style boats
into mobile education units that bring the internet to remote villages and educate the
residents in literacy, microenterprise, sustainable farming, and conservation (Packman,
2005). The internet is also used to look up market prices in order to ensure that farmers
sell their goods for competitive prices (ibid). The students –over 70 percent of whom are
women– are enthusiastic about learning technological skills that equip for new careers
and improve their economic status (ibid). Societies cannot maximize their potential when
significant portions of their talent pool do not have access to all educational resources
available (Huyer and Mitter, 2003).

Radio broadcasting has also been an important telecommunications tool for the
promotion of women’s equality. Radio communication has the advantages that listeners
do have to be literate in order to understand information and broadcasting is largely
available in local languages. In addition, radios are significantly cheaper and enjoy more
widespread use than other technologies, making it easier to transmit information to
women who may be tied to their domestic responsibilities. Somalia’s Macallinka Raddiyaha
[Radio Teacher], was launched in 2002 to increase the country’s low literacy rate, largely
due to the conflict situation that prevented entire generations from going to school
(World Bank, 2008). UN agencies and other entities have been able to capitalize on
Somali enthusiasm for radio programs as a mechanism to teach them literacy and basic
life skills (Brophy and Page, 2007). Radio is the dominant form of information
distribution in Somalia; there are only 102,000 internet users out of a total population of
9.3 million (BBC News). Macallinka Raddiyaha has benefited all Somalis, especially women.
Broadcasts in Somali cover subjects of interest to the population, including human rights,
health care, and the environment (World Bank, 2008). Topics targeted at women range
from breastfeeding and birth spacing, to women’s and children’s rights (Brophy and Page,
2007). Many Somalis have gained from the distance learning in their familial and
economic lives- notably, one study found that 70 percent of learners were female (ibid).
The adaptability of radio programs to suit women’s schedules and interests make it a
powerful instrument for their education.

Many companies and social entrepreneurs have come to realize the power that mobile
phones have to create access to information and services for underprivileged people.
However, the distribution of cell phones is far from equal along gender lines due to many
of the same constraints that limit women’s access to the internet (Ramilo et al, 2005).

Globally, women are 21 percent less likely to own a mobile phone than their male

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counterparts, and the statistic is even higher depending on the region (GSM Association
Development Fund, 2010). This gender gap poses a problem because the benefits of
mobile telephony are hard to ignore. For example, Project Zumbido in Mexico sought to
bring social networking to a more meaningful level by connecting groups of HIV patients
with doctors, psychologists, and each other by giving them cell phones with unlimited
text messaging (ibid). Many patients that had suffered from anxiety or depression due to
the stigma associated with HIV –which was particularly harsh for women– had become
so discouraged that they discontinued their medical regimen (The SHM Foundation).
However, when organized into these groups, participants were able to discuss their
experiences and sentiments more easily and at a lower cost than if they were attending in-
person support groups, thereby reducing their physical and social isolation (GSM
Association Development Fund, 2010). They also were able to remind each other about
taking medication and consequently witnessed improvements in physical and emotional
health (The SHM Foundation). These kinds of advantages are important for women in
poor and rural settings because they are often the least empowered members of societies.
A venue for personal expression can provide women the confidence to take on
economic, political and social leadership roles.

Mobile financial services (MFS) are a new frontier for technology and social
entrepreneurship. One billion people in the world own mobile phones but lack bank
accounts; it is expected that this number will nearly double by 2012 (CGAP, 2009). Many
of the unbanked keep their cash in their homes or with friends, which is problematic
because it can be unsafe and prevent money from entering local economies (ibid). It is
important to engage women in mobile financial services because collectively, they manage
millions of dollars that are unaccounted for as part of the in the informal sector. In
Kenya, mobile financial services have significantly increased women’s participation in the
economy through an MFS program called M-PESA (Gencer, 2011). Three years after its
launch, 57 percent of adult Kenyan population was using M-PESA and the volume of
money being transacted amounted to $400 million dollars, 21 percent of Kenya’s GDP
(ibid). The effect was profound; rural women were one of the primary constituents of this
service, largely because they could receive remittance payments from urban centers much
more conveniently (Morawczynski and Pickens, 2009). Mobile transactions on M-PESA
cost users a few cents, which can be 27 to 68 percent cheaper than using traditional
methods, depending on the transaction. Women were financially empowered by having
the ability to receive remittance payments instantly, rather than taking a week long trip to
a city center to deposit or withdraw cash (ibid). Furthermore, they could acquire cash
from other sources if their husbands decided not to pay (ibid). This exemplifies the best
of MFS’ potential effects: greater financial autonomy for participating women,
stimulation of their local economies, and a greater sense of security, connectedness, and
independence (GSM Association Development Fund, 2010).

Radio, mobile phones, and the internet all been used to engage marginalized peoples in
social and economic development projects. This has had significant impacts on women
largely because of their traditionally limited responsibilities in formal spheres. The
examples from Shidhulai Swanirvar Sangstha in Bangladesh, Macallinka Raddiyaha in
Somalia, Project Zumbido in Mexico, and M-PESA in Kenya all demonstrate the value of
having technology that works for women. These projects demonstrate connections

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T e l e c o m I n d u s t r y

between interconnectedness, participation in social and economic life, and empowerment.
These networks are primarily used to provide basic services like education, banking, and
healthcare. However, as poor and rural women gain access to these services and increase
their technical literacy, the world can anticipate more sophisticated use of
telecommunications technologies. In industrialized nations, social networking is widely
used to keep in touch with friends and acquaintances; however, in low-income and rural
contexts, this process can be adapted to forge sustainable political, social, and economic
alliances. Currently, political mobilization and strategizing among women is difficult to
orchestrate because there are few feasible ways to distribute information among them.
Alliances maintained through social networking tools will be important for campaigns.
Electronic connections have the advantages that they do not require physical contact and
can be sustained more easily. This is more realistic for women that cannot be away from
home for domestic or economic obligations. These constraints notwithstanding,
telecommunications can ensure that their voice is heard. Likewise, crowdfunding –the
pooling of funds to make generate money for start-ups and projects– can be used by
poor and rural women to purchase tools and other resources that can help them to
generate their own income (Koren, 2010).

Governments and activists can take action to get the proper technologies into the hands
of the disadvantaged; once women have this access, they will develop the skills to
empower themselves. Telecommunications can empower them to move upward, but it
must be accessible to all people in a way that is fair, functional, user-friendly, and
sustainable. Given the mutual benefits for users and providers, gender parity in
telecommunications-related services should become a global priority. Businesses and
activists must continue to cooperate and continue to develop innovative solutions that
use technology to address other pressing, global crises. A comprehensive and innovative
solution that involves women helping each other and themselves is the best chance for
improving the quality of life for women around the world and make economies more
robust.

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Bibliography:

"BBC News - Somalia Country Profile." BBC News - Home. British Broadcasting Corporation. Web. 11 Jan.

2011. <http://news.bbc.co.uk/2/hi/africa/country_profiles/1072592.stm>.

Brophy, Michael, and Emma Page. "Radio Literacy and Life Skills for Out-of-School Youth in Somalia."

Journal of International Cooperation in Education

10 (2007): 135-47.

"CGAP Mobile Banking: From Concept to Reality." 25 June 2009. Web. 04 Jan. 2011. <http://

www.cgap.org/p/site/c/template.rc/1.26.10806/>.

Gencer, Menekse. "The Mobile Money Movement." MIT Press Innovations Magazine. 2011. Web. 4 Jan. 2011.

<http://www.slideshare.net/mpayconnect/the-mobile-money-movement-by-mpay-connect-dec-
2010-innovations-publication-winter-2011>.

Gender in Agriculture Sourcebook

. Washington, D.C.: World Bank, 2008.

"Gender Equality Factsheet: State of World Population 2005 - UNFPA." United Nations Population Fund.

United Nations. Web. 11 Jan. 2011. <http://www.unfpa.org/swp/2005/presskit/factsheets/
facts_gender.htm>.

Gill, Kirrin, Kim Brooks, Janna McDougall, Payal Patel, and Aslihan Kes. Bridging the Gender Divide: How

Technology Can Advance Women Economically

. Rep. International Center for Research on Women,

2010. Web. 5 Jan. 2011. <http://www.icrw.org/publications/bridging-gender-divide>.

Huyer, Sophia, and Swasti Mitter. ICTs, Globalisation and Poverty Reduction: Gender Dimensions of the Knowledge

Society

. Rep. Gender Advisory Board, United Nations, 2003. Web. 4 Jan. 2011. <http://

unpan1.un.org/intradoc/groups/public/documents/unpan/unpan037351.pdf>.

Koren, Gijsbert. "Crowdfunding, Microfinance and Peer to Peer Lending." | Smarter Money | Weblog about

Crowdfunding & Crowdsourcing |

. 19 June 2010. Web. 11 Jan. 2011. <http://

www.smartermoney.nl/?p=73>.

Morawczynski, Olga, and Mark Pickens. Poor People Using Mobile Financial Services: Observations on Customer

Usage and Impact from M-PESA

. Rep. Consultative Group to Assist the Poor, Aug. 2009. Web. 5

Jan. 2011. <http://www.cgap.org/gm/document-1.9.36723/
BR_Poor_People_Using_Mobile_Financial_Services.pdf>.

Packman, Melinda, ed. Supporting Gender and ICTs: Opportunities for Women in Bangladesh. Rep. United States

Agency for International Development, Nov. 2005. Web. <http://pdf.usaid.gov/pdf_docs/
PNADH664.pdf>.

"Project Zumbido – Tackling the Effects of Social Isolation and HIV/AIDS in Mexico." The SHM

Foundation

. Web. 5 Jan. 2011. <http://www.shmfoundation.org/zumbido.php>.

Ramilo, Chat, Nancy Hafkin, and Sonia Jorge. Gender Equality and Empowerment of Women through ICT. Rep.

United Nations Division for the Advancement of Women, Department of Economic and Social
Affairs, Sept. 2005. Web. 4 Jan. 2011. <http://www.un.org/womenwatch/daw/public/w2000-
09.05-ict-e.pdf>.

Rural Poverty Report 2011

. Rep. International Fund for Agricultural Development, 2010. Web. 4 Jan. 2011.

<http://www.ifad.org/rpr2011/report/e/overview.pdf>.

Women & Mobile: A Global Opportunity A Study on the Mobile Phone Gender Gap in Low and Middle-income

Countries

. Rep. GSM Association Development Fund, the Cherie Blair Foundation, and Vital Wave

Consulting, Feb. 2010. Web. 5 Jan. 2011. <http://gsmworld.com/documents/
Women_mobile_web.pdf>.

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M o b i l e F i n a n c i a l S e r v i c e s

Mobile Financial Services are increasingly popular due to the advantages that they offer to low-income and
rural people who generally do not have bank accounts because they are too poor or remote; this population
is overwhelmingly comprised of women. Mobile Financial Services reduce the costs and distances that are
associated with banking by capitalizing on mobile technology that many of the unbanked already possess.
Mobile banking has enormous potential to improve the lives of people worldwide, but many barriers
impede poor and rural women from having access to these services. Gender parity in Mobile Financial
Services benefits people in different sectors and income levels and should, therefore, be actively pursued has
the potential to significantly improve the economic status of millions of women.

The current popularity of social entrepreneurship has yielded unprecedented innovation
in both new technologies and the application of existing ones to alleviate environmental,
health, and other social ills. Telecommunications have been a fundamental component of
the movement to harness the power of technology for the benefit of humanity; however,
progress in this field has not affected all people evenly. It is well known that women
disproportionally encounter inequality not only in terms of education and participation in
the economy, but also from the technological advancements that have increased the
interconnectedness of today’s world. As the rest of the world enjoys mobile and online
services, women -particularly poor and rural women- are routinely excluded due to
entrenched constraints including cultural norms, limited technical literacy, domestic
responsibilities, isolation, and poverty (Ramilo et al, 2005). Nevertheless, research shows
that it is in the best interest of businesses, governments, and activists to continue to
cultivate the extraordinary potential of telecommunications in ways that explicitly benefit
these populations; doing so will lift them from poverty and strengthen their communities
at large.

Many companies and activists have come to realize the power that mobile phones have to
grant access to information and services to underprivileged people. Banks both in
industrialized and emerging economies are increasingly turning to mobile financial
services (MFS) as the next frontier for technology and social entrepreneurship. Mobile
banking is increasingly popular among microfinance institutions as an effective way to
conduct business with people in rural locations (Mayoux and Hartl, 2009). One billion
people in the world have mobile phones but lack bank accounts, and it is expected that
this number will nearly double by 2012 (CGAP, 2009). Many of the unbanked keep their
cash in their homes or with friends, which is problematic because it can be unsafe and
prevent that money from entering local economies (ibid). Mobile banking presents a
viable solution for both banks and customers because it reduces transaction costs and
prevents people from having to make costly or unsafe journeys to far-away banks (ibid).
Huge possibilities exist for implementation.

Although all low-income people stand to benefit from MFS, rural women have the most
to gain because of the many disadvantages they face (International Fund for Agricultural
Development, 2010). These women are frequently burdened with food production, child
care, and maintaining community infrastructure, among other duties that prevent them
from participating in market activities (Huyer and Mitter, 2003). In addition, conservative
gender ideologies may discourage or prohibit women from engaging in formal economic
sectors. Providers of telecommunications should consider gender disparities as they

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increase their geographical scope and devise ways to ensure fair access to women through
MFS. For example, cash withdrawals and deposits must be made in-person with local
merchants that serve as outposts for banks (Mas and Kumar, 2008). This can pose real
and perceived threats to the accessibility of the transactions for women, particularly in
small, conservative towns in which all the residents know one another. It is often the case
that women are discouraged from seeking any kind of autonomy, and men in the
communities may take on the role of enforcers of cultural norms. Women making bank
transactions run the risk of being harassed, denied service, or even attacked and robbed
by their male counterparts. Women can bank more discreetly with the distance reduced
by a local outpost of a bank. However, in some cases, male vendors might disclose the
transactions to the women’s families, thereby eliminating the privacy of the service. In
order for MFS programs to be successful, companies need to have vendors that women
know and trust to maintain their privacy; many women do not feel comfortable
submitting their money, bank information, or even phone number to strangers,
particularly if they are male. The solution to these possible challenges can be as simple as
having female banking representatives who also conduct cultural and gender sensitive
outreach that educates communities about the benefits of mobile banking.

It is important to engage women in mobile financial services because collectively, they
manage millions of dollars that are unaccounted for as part of the informal sector (ibid).
Experts see remittance payments –money that migrant workers send home– as the most
relevant type of MFS transactions for women. Women comprise half of the world’s
migrant population, though the statistics may be much higher when disaggregated by
country (Mayoux and Hartl, 2009). For example, 80 to 90 percent of migrants from the
Philippines are female (ibid). The Philippines is one of the first places where mobile
banking was introduced and has enjoyed enormous success in terms of revenues
generated and customer satisfaction since its inception. Half of the mobile users in the
Philippines do not have bank accounts and a quarter of mobile users live on less than five
USD per day (CGAP, 2009). Nonetheless, one study found that poor people in the
country actively manage money, handling $450 million dollars informally- namely in
savings and remittance payments. People with mobile banking were found to transfer
greater amounts of money with more frequency because the transfers became more
inexpensive and safe than before (ibid). These factors overwhelmingly benefit women,
given the gendered nature of remittance payments.

The 2001 World Bank report, “Engendering Development- Through Gender Equality in Rights,
Resources, and Voice

” details several studies evidencing that women are more likely to

spend money on basic family needs like education and healthcare, whereas men have
been found to use money for personal expenses (Mayoux and Hartl, 2009). A well-known
study conducted in Brazil found that women’s resources are 20 times more likely to
positively impact children’s health; another from Cote D’Ivoire showed that when
women control family spending, money spent on food increases while the amount spent
on tobacco decreases (Herz and Sperling, 2004). The vast majority of microfinance
literature supports these findings, which explains why many microfinance organizations
target women. Children and communities are the first to gain when women have some
degree of financial control, and MFS is becoming one of the most effective ways to grant

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women this control.

In Kenya, mobile financial services have significantly increased women’s participation in
the economy through a program called M-PESA (Gencer, 2011). Three years after its
launch, 57 percent of the adult Kenyan population was using M-PESA and the volume of
money being transacted annually amounted to $400 million dollars, 21 percent of Kenya’s
GDP (ibid). The effect was profound; rural women were one of the primary constituents
of this service, largely because they could receive remittance payments from urban
centers more conveniently (Morawczynski and Pickens, 2009). Mobile transactions on M-
PESA cost users a few cents, which can be 27 to 68 percent cheaper than using
traditional methods, depending on the transaction. Kenyan women were financially
empowered much in the same way that the Philippine women were, having the ability to
obtain remittance payments instantly, rather than taking a week long trip to a city center
to withdraw or deposit cash (ibid). Women also face an increased risk of robbery; many
users felt that this threat was reduced by not having to carry cash around or at home
(ibid). Furthermore, they could acquire cash from other sources if their husbands decided
not to pay (ibid). This exemplifies the best of MFS’ potential effects: increased financial
autonomy for participating women, stimulation of local economies, and a greater sense of
security, connectedness, and independence (GSM Association Development Fund, 2010).

Whether it involves sending or receiving remittance payments, developing small and
medium enterprises, or a need for secure money handling, women manage large amounts
of money in a process that can be greatly improved by MFS (Mayoux and Hartl, 2009).
The ability for women to conduct business from home is convenient; it not only saves
them money, but also empowers them by giving them important decision-making and
management opportunities in spite of social or physical isolation (Ramilo et al, 2005).
This is imperative in light of international studies that show that women’s specific needs
must be met in order to successfully eradicate poverty (Huyer and Mitter, 2003).
Businesses need to make sure that the implementation of MFS is done in a way that is
accessible and beneficial to women; ideally, providing inexpensive and user friendly
service in the local language (ibid). Currently, there is a significant risk that MFS
customers take with the use of electronic money; this type of banking is not subject to the
same regulation that protects customers’ funds in regular banks in cases of bank failure
(Tarazi and Breloff, 2010). However, governments in the Philippines, Kenya, and other
countries where mobile banking occurs have implemented some regulatory requirements
for providers of these services; overall, the benefits for women outweigh the risks (ibid).
The benefits are universal: although no studies have formally measured the effects of
MFS on gross domestic product, experts anticipate an increase in GDP due to the
increased productivity, job creation, and bolstering of adjacent economies (Gencer, 2011).
Researchers have also identified a thirteen billion dollar potential for companies that
increase mobile services to women worldwide (GSM Association Development Fund,
2010). Companies providing these services could also expand their corporate social
responsibility objectives by investing some of the profits generated by MFS programs in
rural communities, particularly in women’s empowerment programs. Given the mutual
benefits for users and providers, gender parity in mobile banking and other
telecommunications-related services should become a global priority.

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M o b i l e F i n a n c i a l S e r v i c e s

The development of mobile financial services is merely one example of a point where
telecommunications and social development intersect, but innovation must not stop
there. Activists should draw lessons about the ability to distribute information and
resources on a mass scale for the benefit of women and other underprivileged people.
This kind of technology could be used to pool women’s funds together to make
community investments in supplies or resources, a practice sometimes known as
“crowdfunding” (Koren, 2010). Crowdfunding has primarily been used to generate
monies over the internet for start-ups and creative projects in industrialized nations, but
in a rural setting, this could be done through text messaging to pay for seeds or an
irrigation system that could help women cultivate crops to sell (ibid). Alternatively,
women could engage in a modified version of peer-to-peer transfers –a function already
available through MFS– called peer-to-peer lending, in which acquaintances borrow
money from one another with interest (ibid). This practice tends to be more lucrative and
the money generally comes from wealthy “peers” as opposed to banks, but can be
modified to suit low-income and rural contexts (ibid). The relationships between peer-to-
peer lending, microfinance, and crowdfunding are only beginning to be explored; the next
step is to integrate the technological component. A comprehensive and innovative
solution that involves women helping each other and themselves is the best chance for
improving the quality of life for women around the world and make economies more
robust.

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M o b i l e F i n a n c i a l S e r v i c e s

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Developing World

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Morawczynski, Olga, and Mark Pickens. Poor People Using Mobile Financial Services: Observations on Customer

Usage and Impact from M-PESA

. Rep. Consultative Group to Assist the Poor, Aug. 2009. Web. 5

Jan. 2011. <http://www.cgap.org/gm/document-1.9.36723/
BR_Poor_People_Using_Mobile_Financial_Services.pdf>.

Ramilo, Chat, Nancy Hafkin, and Sonia Jorge. Gender Equality and Empowerment of Women through ICT. Rep.

United Nations Division for the Advancement of Women, Department of Economic and Social
Affairs, Sept. 2005. Web. 4 Jan. 2011. <http://www.un.org/womenwatch/daw/public/w2000-
09.05-ict-e.pdf>.

Rural Poverty Report 2011

. Rep. International Fund for Agricultural Development, 2010. Web. 4 Jan. 2011.

<http://www.ifad.org/rpr2011/report/e/overview.pdf>.

Tarzai, Michael, and Paul Breloff. Nonbank E-Money Issuers: Regulatory Approaches to Protecting Customer Funds.

Rep. no. 63. Consultative Group to Assist the Poor, July 2010. Web. 14 Jan. 2011. <http://
www.cgap.org/gm/document-1.9.45715/FN63_Rev.pdf>.

Women & Mobile: A Global Opportunity A Study on the Mobile Phone Gender Gap in Low and Middle-income

Countries

. Rep. GSM Association Development Fund, the Cherie Blair Foundation, and Vital Wave

Consulting, Feb. 2010. Web. 5 Jan. 2011. <http://gsmworld.com/documents/
Women_mobile_web.pdf>.

The Council would like to acknowledge Michael Tarazi, Senior Policy Specialist, CGAP, The
World Bank, for his contributions to this report.

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Health is valued both in its own right, and as a major contribution to human capital and productivity.
The health system comprises all the actions undertaken with the prime intention of maintaining and
improving a nation’s health. It can therefore embrace many actions beyond conventional healthcare,
including health promotion, prevention and preparedness for health emergencies. It also includes
coordinating and influencing cross-sectoral actions to improve health. The governance of a health system
has a crucial impact on its performance, measured in terms of its outcomes, in terms of length and quality
of life, health equality, efficiency and financial protection for citizens from healthcare expenditure. Good
governance is needed at every level, including national and local government, the institutions of healthcare,
the medical professions, private providers and civil society.

Policies to improve the health status of the poor have been an important focus of
development policy, justified by the recognition that good health is a basic right as well as
a critical determinant of economic productivity. Today poor reproductive health is a
leading killer and disabler of women in the developing world. This is causing a
tremendous amount of needless death and suffering, as well as dragging down economic
growth and undermining efforts to reduce poverty. Every year, more than half a million
women die during pregnancy and childbirth, largely from problems that can be
prevented. And for every woman who dies, 20 other women suffer injuries and
disabilities that can last a lifetime and rob them of energy and productivity. Of all regions,
Africa has the world’s highest rates of maternal mortality — at least 100 times those in
developed countries. In developing regions there were 480 maternal deaths per 100,000
births in 1990 compared to 450 deaths in 2005 (DFID). Thus, despite greater attention by
governments and the international community, there is minimal progress being made
toward alleviating the burdens surrounding women and health.

Maternal health is crucial for the welfare of the whole household, especially children who
are dependent on their mothers to provide food, care, and emotional support. The death
or chronic ill-health of a mother increases the probability of death and poor growth and
development of her children. In fact, women’s health during the reproductive or fertile
years (between the ages of 15 and 49 years) is relevant not only to women themselves, but
also has an impact on the health and development of the next generation. Complications
of pregnancy and childbirth are the leading cause of death in young women aged between
15 and 19 years old in developing countries (WHO, 2009). Pregnant women can be
subjected to stigma and violence associated with their position in society, in particular if
they are single. Women in many developing countries have less freedom to act, less
personal autonomy, and less access to information than their male partners or husbands.
This lower social autonomy exacerbates women’s biological vulnerabilities to infections
such as HIV and malaria. Over 30 million adults in the world are HIV positive, 70
percent of them live in Sub-Saharan Africa and more than half are women (Seager, 2009).
During pregnancy, women are more susceptible to malaria and outcomes for the mother
and unborn child are more severe. For example, malaria in women leads to low birth
weight either by premature delivery or impaired growth in utero. Progress in maternal and
child health is to a large extent dependent on the AIDS response. According to the study
there were an estimated 343 000 maternal deaths in 2008. An additional 60 000 lives
could be saved each year if women received appropriate HIV diagnosis and treatment,
researchers reported (The Global Fund, 2010). The deaths of women leave entire

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H e a l t h I n d u s t r y

households without support, and girls who are orphaned are particularly vulnerable to
sexual and economic exploitation and thus in turn to HIV infection.

The wide acceptance of the Millennium Development Goals (MDGs) by the international
community confirms the central role of human development, including health and
nutrition, in combating poverty. People become poorer as a result of bad health or
health crises, but being poor also makes people less more exposed to health risks with
less access to adequate treatments. Nutrition is a key area where the combined effects of
gender inequality and poverty produce ill-health for women and girls, and inter-
generational transmission of poverty may occur through the undernourishment/
overwork of pregnant or lactating women. Poor households place good health as one of
their highest priorities and ill health as one of the main reasons why they fall into the
cycle of poverty (World Bank, 2010). The health impact of the linkages between gender
concerns and poverty are most clearly seen in terms of reproduction, overwork,
hazardous work, and poor nutrition. Poverty and gender also have significant linkages in
relation to vulnerability to violence, and stigmatization due to health problems. Certain
conditions of ill-health may lead to women’s social exclusion and subsequent poverty,
pointing to the importance of recognizing a cycle of ill health and poverty. However, it is
important to recognize that women’s health problems and access to health care are
affected not only by poverty, but also by gender inequality.

Governments and the international community should help strengthen health systems so
that they are better geared to meet women’s needs in terms of access, comprehensiveness
and responsiveness. The regions with the highest mortality burden—sub-Saharan Africa
and south Asia—face massive deprivation in access to such care and the sheer scarcity of
staff and the excessive costs of care to mothers are substantial barriers to progress. To
achieve rapid coverage requires training, deployment, and retention of midwives,
preferably in teams in small facilities. Financial barriers to care, such as user fees, must
also be removed. In fact, women face higher health costs than men due to their greater
use of health care yet they are more likely than their male counterparts to be poor,
unemployed or else engaged in part-time work or work in the informal sector that offers
no health benefits. Overcoming health system constraints to provide such interventions
at scale is possible, but donors will need to increase financial contributions for maternal
health in low-income countries to help overcome the resource gap.

The long-term effect of securing adequate levels of women’s health is likely to be
substantial on economic growth, gender equality and women's empowerment.
Improvement in the financial and geographical access to good quality care based in health
centers, and a gendered approach to health, is therefore important in any poverty
eradication strategy, as well as a means of reaching the MDGs.

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Bibliography:

Amazigo, Uche. "Women's Health and Tropical Diseases: A Focus on Africa." Welcome to the United Nations:

It's Your World

. The United Nations. Web. <http://www.un.org/womenwatch/daw/csw/

tropical.htm>.

Combatting Infectious Disease to Improve Maternal and Child Health

. Rep. The Global Fund, Sept. 2010. Web.

<http://africa-health.com/articles/september_2010/Global%20Fund.pdf>.

"DFID - Millennium Development Goal Five." UK Department for International Development. Web.

<http://www.dfid.gov.uk/global-issues/millennium-development-goals/5-improve-maternal-
health/>.

Filippi, Véronique, Carine Ronsmans, Oona Campbell, Wendy J. Graham, Anne Mills, Jo Borghi, Marjorie

Koblinsky, and David Orsin. "Maternal Health in Poor Countries: the Broader Context and a Call
for Action." The Lancet 368.9546 (2006): 1535-541.

Gwatkin, Davidson. "How Much Would Poor People Gain from Faster Progress Towards the Millennium

Development Goals for Health?" The Lancet 365.9461 (2005): 813-17.

"Health and AIDS - Gender, Health and Poverty." World Bank Group. Web. <http://web.worldbank.org/

WBSITE/EXTERNAL/WBI/WBIPROGRAMS/
HNPLP/0,,contentMDK:21248191~menuPK:461082~pagePK:64156158~piPK:64152884~theSi
tePK:461054,00.html>.

Oxaal, Zoë, and Sarah Cook. Health and Poverty Gender Analysis Briefing Prepared for the Swedish International

Development Co-operation Agency (Sida)

. Rep. no. 46. Institute of Development Studies, University of

Sussex, Oct. 1998. Web. <http://www.iiav.nl/epublications/1998/health_and_poverty.pdf>.

Pitt, Mark, Mark Rosenzweig, and Nazmul Hassan. Human Capital Investment and the Gender Division of Labor

in a Brawn-Based Economy

. Rep. Yale University Economic Growth Center, Aug. 2010. Web.

<http://economics.uchicago.edu/pdf/rosenzweig_102510.pdf>.

Pitt, Mark, Mark Rosenzweig, and Nazmul Hassan. "Productivity, Health, and Inequality in the

Intrahousehold Distribution of Food in Low-income Countries." The American Economic Review
80.5 (1990): 1139-156.

Wagstaff, Adam. Inequalities in Health in Developing Countries - Swimming Against the Tide? Working paper no.

2795. The World Bank, Feb. 2002. Web. <http://www-wds.worldbank.org/servlet/
WDSContentServer/WDSP/IB/2002/03/22/000094946_02031204013460/Rendered/PDF/
multi0page.pdf>.

P O L I C Y A N D

I N S T I T U T I O N A L

R E S P O N S E S

Humanitarian Assistance

Social Innovation

Anti– Corruption

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H u m a n i t a r i a n A s s i s t a n c e

Many millions are immediately affected by humanitarian crises, and the number is sure to rise. The UN
estimates 37 armed conflicts took place in 2007, and 414 natural disasters affected 211 million people.
Overall, there were 16 million refugees, 51 million internally displaced people and 90 million in need of
food aid. Although the international community has significantly improved its humanitarian response
capabilities through actions such as the development of best practices, standards and codes, and the
creation of coordinated institutional structures, the humanitarian caseload is becoming increasingly
complex. Both conventional and new drivers of humanitarian crises are connected in some manner to other
parts of the global governance system – whether through policies on fragile states, agricultural development
or the international climate change regime. This Council focuses its work on the key structural gaps in
international cooperation (whether institutional, legal or other) related to humanitarian assistance, and the
means to tackle them through concrete recommendations.

“Disasters are not gender neutral,” according to Ms. Carolyn McAskie, previously Acting
Head of the United Nation’s Office for the Coordination of Humanitarian Affairs. The
Red Cross states that between 2000 and 2004, the number of natural disasters in the
world more than doubled the number of disasters recorded in the ten years previous.
Catastrophic disasters and conflict impact women differently than men, and policies and
development plans often ignore women’s unique needs. The World Health Organization
confirm that “available data suggests that there is a pattern of gender differentiation at all
stages of a disaster exposure to risk, risk perception, preparedness, response, physical
impact, psychological impact, recovery and reconstruction”.

Relief programs have tended to overlook women’s crucial roles in both the production
and distribution processes. In fact, there is often little understanding of the gender
relations underlying household livelihoods. In many societies, assistance whether it is
food aid, tools and seeds or training were distributed directly to male heads of
households. However, worldwide the majority of refugees and internally displaced
persons are women. Therefore, the displaced family depends heavily on the ability of
women to adapt, to continue to be able to cook, clean, fetch water and care for children
even though resources are scarce. Women continue to care for their children, the elderly
and injured combatants despite the chaos of disaster or flight, and the social disruption
which follows. In addition, when a woman becomes the head of a household, she and her
family become more vulnerable to poverty. Women are forced to assume men’s chores
without having the same access to financial, technical, and social resources. The lack of
access is due to several factors, including illiteracy, cultural restrictions and gender biases
in institutions, all of which render improvements in women’s living conditions extremely
difficult.

Where most relief organizations have indicated that they mainstream gender into their
policy, there is still a lack of specific gender practices in their programs. Time and budget
constraints are among the most mentioned reasons for not incorporating gender in relief
aid programs, yet inserting gender practices in relief programs are crucial for the success
of the humanitarian relief operations. Introducing a gender approach into relief programs
need not always slow down the delivery of relief, and it can actually render assistance
more effective. Mistakes made in the early phase of relief operations, such as
inappropriate sanitation facilities can prove damaging and be costly to remedy later. Full

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H u m a n i t a r i a n A s s i s t a n c e

consultation of women requires pro-active and creative measures. For example, such
measures include the use of female field officers who speak the same language as
beneficiaries, attention to the timing and location of consultations, and cultural sensitivity.
Measures are required to protect women, including consultation in camp planning and
design, increased camp security, professional counseling and support for victims of
violence, raising awareness about their rights, and increased representation of female
staff. In addition, simple measures, such as providing adequate-weight food bags so that
they can be adequately handled by women, and compiling food packets so that milk
powder is included and considered essential for women who are not able to breastfeed
their children due to malnourishment. And finally, gender-conscious latrines, food
distribution sites, washing areas and fuel collection sites also need to be designed
according to women’s safety criterion.

Women who have suffered from natural disasters or armed conflicts display strength,
endurance and resourcefulness. Humanitarian relief, rehabilitation and resettlement
programs need to ensure that women are fully involved in the planning, design,
implementation, monitoring and evaluation of all short-term and long-term assistance
provided. There is urgent need for international data sets to provide sex-disaggregated
data on disaster-related mortality, morbidity and long-term health consequences. Data
should also focus on the socio-cultural constraints faced by women, which restrict their
behavior and mobility and thus their capacity to respond to emergencies. It is not enough
to dispense humanitarian aid to women and children; women must be active participants
in the development of aid policy to ensure that their short and long-term needs are met.

Therefore humanitarian agencies must take gender into consideration when creating
emergency policy. A gender approach is important to identify men’s and women’s
differing vulnerabilities to crises as well as their different capacities and coping strategies.
Registration of women separately from men is required to ease problems they may face in
seeking asylum. In refugee and “IDP” camps, camp layout, facilities and administration
need to be designed with women and children’s security needs in mind, to reduce
women’s vulnerability to harassment and attack from others in the camp or with access to
it.

It is important to include gender in the humanitarian assistance discourse, which means
focusing on women’s strategic as well as practical interests. Crisis situations can lead to
changes in what is considered acceptable behavior for both genders, with changes in the
range of activities permissible and shifts in the gender division of labor. Some of these
changes can lead to women gaining new skills and increased autonomy. In other cases,
however, individuals may be forced into strategies which transgress social norms and
women particularly risk losing social approval and support not just temporarily.
Liberation struggles can promote new roles and opportunities for women as part of wider
social revolution, however, conflict is more likely to reinforce, than to challenge,
traditional views of men and women. In the case of violent conflict, it dramatically
increases women’s vulnerability to sexual violence and rape. Rape increases the spread of
sexually transmitted diseases and results in unwanted pregnancies. Either condition may
result in women being banished from or marginalized in their communities. Domestic
violence is also exacerbated in time of crisis and emergencies.

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H u m a n i t a r i a n A s s i s t a n c e

Bibliography:

Aolain, Fionnuala D. "Women, Vulnerability and Humanitarian Emergencies." University of Minnesota

Law School; University of Ulster - Transitional Justice Institute, 19 May 2010. Web. <http://
papers.ssrn.com/sol3/papers.cfm?abstract_id=1611818>.

Conflict, Peace-Building, Disarmament, Security

. Rep. Australian Agency for International Development, 1997.

Web. <http://www.oecd.org/dataoecd/2/16/1896376.pdf>.

Byrne, Bridget, and Sally Baden. Gender, Emergencies and Humanitarian Assistance Report Commissioned by the

WID Desk, European Commission, Directorate General for Development

. Rep. no. 33. Institute of

Development Studies, University of Sussex, Nov. 1995. Web. <http://www.bridge.ids.ac.uk/
reports/re33c.pdf>.

Gender and Health in Disasters There

. Rep. World Health Organization, Department of Gender and Women’s

Health, July 2002. Web. <http://www.who.int/gender/other_health/en/genderdisasters.pdf>.

McAskie, Carolyn. "Gender, Humanitarian Assistance and Conflict Resolution." Address. 31 May 1999.

United Nations. Web. <http://www.un.org/womenwatch/daw/csw/Mcaskie.htm>.

Jones, Rochelle. "Disasters Are Never Gender Neutral: What Lessons Have We Learned?" The Association

for Women's Rights in Development, 2 Dec. 2008. Web. <http://www.awid.org/eng/Issues-and-
Analysis/Library/Disasters-are-never-gender-neutral-What-lessons-have-we-learned>.

"United Nations Global Issues." Humanitarian and Disaster Relief Assistance. United Nations. Web. 5 Jan.

2011. <http://www.un.org/en/globalissues/humanitarian/>.

Van Dijkhorst, Hilde, and Suzette Vonhof. Gender and Humanitarian Aid: a Literature Review of Policy and

Practice

. Rep. Wageningen University, Disaster Studies, Dec. 2005. Web. <http://www.caritas-

europa.org/module/FileLib/genderandhumanitarianaidfinalreport.pdf>.

Page 59

S o c i a l I n n o v a t i o n

The Social Entrepreneurship Council has taken up the challenge of overcoming obstacles to social
entrepreneurship such as loan and funding limitations, inadequate organizational capacity for
maintaining existing initiatives, and insufficient governmental support for expanding useful policies and
resources.

Social enterprises are businesses which bridge the gap between public assistance and
private business. They use the power of private enterprise to promote public good by
enabling the disadvantaged to earn an income rather than rely solely on public
assistance. This is accomplished by the creation of innovative solutions to a variety of
social problems addressing the environment, education, health, and governmental
policies. Social entrepreneurs assess their success by considering a blend of both social
and financial returns, rather than simply focusing on the latter.

Women’s entrepreneurship is expanding around the world, both in emerging and
developed economies. Women entrepreneurs constitute a growing share of small and
medium enterprise (SME) owners and are creating new niches for entrepreneurial activity,
but are often confronted with special barriers to business creation and development.
Fostering the growth of women’s entrepreneurship is an effective strategy to create jobs,
catalyze economic development, empower women and foster social cohesion.

Social enterprises are proving greatly beneficial to women because globally women are
more likely to hold low-paid and unstable jobs in the so-called informal
economy. Accordingly, many women have a greater need than men for assistance in
obtaining shelter, security, safety, legal aid and rights, justice, information, maternal
health, and even such basics as food and nutrition. Women may also require more help
in developing marketable skills, attaining an education, or gaining access to credit sources
necessary in starting a business.

Further, women (especially those in underdeveloped or traditional societies) are more
likely to work at home providing indispensable but unpaid labor in raising children, caring
for the elderly, growing food and hauling water and firewood. Often physically difficult
and time consuming, such labor can also be debilitating to health as well as eliminating
the time necessary for intellectual development and the acquisition of marketable
skills. Moreover, women who work at home - even when society compels this choice -
are often afforded low social standing, making their economic situation all the more
precarious.

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S o c i a l I n n o v a t i o n

Extending opportunities and protection to women who remain at home is crucial to
societal stability, and, for this reason, social entrepreneurs are providing essential
support. Some social enterprises, for example, are creating home-based industries such as
textile operations or small farming cooperatives.

Women must have the option of joining the workforce or caring for home and family full
time; neither decision, however, should lead to a life sentence of poverty and
abuse. As US President Obama stated in his "Address to the Muslim World," "I do not
believe that women must make the same choices as men in order to be equal, and I
respect those women who choose to live their lives in traditional roles. But it should be
their choice..."

Unfortunately, however, women - especially poor women - are often unable to join the
formal workforce because of educational deficiencies, low social status, household
obligations, or a combination of one or more of these. Social enterprises should expand
assistance to those women seeking employment outside the home by offering creative
opportunities in the formal job market, including helping disadvantaged women start a
small business by means of micro-financing and other innovative credit schemes, or
by employing persons new to - or long disconnected from - the traditional work force.

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S o c i a l I n n o v a t i o n

Bibliography:

"About ProWomEn." ProWomEn - Promotion Of Women Entrepreneurship. Web. <http://

prowomen.newcome.de/prowomen/english/index.php>.

"Women Entrepreneurship Portal - Small and Medium Sized Enterprises (SME) - Enterprise and Industry."

Homepage. EUROPA - European Commission. Web. <http://ec.europa.eu/enterprise/
entrepreneurship/support_measures/women/womenentr_portal.htm>.

"The Bologna Charter on SME Policies." Centre for Entrepreneurship, SMEs and Local Development.

Organisation for Economic Co-operation and Development, 15 June 2000. Web. <http://
www.oecd.org/document/17/0,3343,en_2649_34197_1809105_1_1_1_1,00.html>.

Declaration on Fostering Women’s Entrepreneurship in the MENA Region.

Rep. Organisation for Economic Co-

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and

Development, 28

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2007.

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<http://www.oecd.org/

dataoecd/54/54/43692629.pdf>.

Evaluation on Policy: Promotion of Women Innovators and Entrepreneurship. Rep. The European

Commission, Enterprise and Industry Directorate General, 25 July 2008. Web. <http://
ec.europa.eu/enterprise/policies/sme/files/support_measures/women/documents/
women_innovators_and_entrepreneurship_en.pdf>.

"Gender Action Plan: Gender Equality as Smart Economics." Gender and Development. World Bank

G r ou p.

We b.

< htt p:/ / we b.wor l d ba nk . or g/ WB S IT E/ EX T ER N AL / T O P IC S /

EXTGENDER/0,,contentMDK:21983335~pagePK:210058~piPK:210062~theSitePK:336868,0
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Good Practices in the Promotion of Female Entrepreneurship: Examples from Europe and Other OECD Countries.

Rep.

The European Commission, Enterprise and Industry Directorate General, Dec. 2002. Web.
<http://old.amazone.be/images/Projecten/Diane/study-female-entrepreneurship-en.pdf>.

Hausmann, Ricardo, Saadia Zahidi, and Laura Tyson. Global Agenda Council Reports 2008. Rep. The

World Economic Forum, 2008. Web. <http://www.weforum.org/pdf/gendergap/
report2008.pdf>.

"International Gateway for Financial Education." Organisation for Economic Co-operation and

D e v e l o p m e n t .

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< h t t p : / / w w w . f i n a n c i a l - e d u c a t i o n . o r g /

document/43/0,3343,en_39665975_39667129_40309739_1_1_1_1,00.html>.

Promoting Entrepreneurship amongst Women.

Rep. no. 2. European Commission, 2004. Web. <Promoting

Entrepreneurship amongst Women>.

Page 63

A n t i – C o r r u p t i o n

Corruption, the abuse of entrusted power for private gain, is the single greatest obstacle to economic and
social development around the world. It distorts markets, stifles economic growth and sustainable
development, debases democracy and undermines the rule of law. It robs local populations, particularly in
developing countries, of critically needed resources. Estimates show that the cost of corruption equals more
than 5% of global GDP (US$ 2.6 trillion) with over US$ 1 trillion paid in bribes each year.

The persistence of corruption in the developing and the developed world alike has led to
the search for new methods of combating corruption. The introduction of a gender
perspective has led to an appreciation of women’s role in government and relationship
between women’s representation and a reduction in corruption. Corruption is especially
detrimental to poor segments of the population, the majority of which are comprised of
women. Women are further particularly vulnerable to certain aspects of corruption, such
as corruption of health and education.

Women’s role in fighting corruption is usually regarded as positive and effective. They set
different priorities than men and offer a diversity of experiences, reducing susceptibility
to bribery and other forms of corruption. At least in the short and medium term, greater
numbers of women in public office can be seen to reduce levels of corruption. Both by
accepting fewer bribes and by promoting the passage of legislation that deters corruption,
women’s participation in parliament works to impact the frequency of corrupt activities at
the highest levels of government. Simultaneously, women’s individual responses to
questions about corruption indicate that they are less prone to corruption than men.

While there is a lack of evidence on how many lower-level government positions are held
by women, the percentage of women in the labor force also shows a correlation to
corruption levels. World Bank research shows that this may result from the fact that
women are less likely to sacrifice the public good for personal, material gain. It is
important to stress, however, that increasing the number of women in positions of power
by itself is not enough; increased female representation must be coupled with other
strategies to curb corruption.

Corruption has far-reaching economic, social, and political effects, but efforts to reduce
corruption can also provide a window of opportunity for women. They can function to
promote gender equality and increase the number and visibility of women in power and
society in general. Introducing a gender perspective to measures combating corruption
will result both in a reduction in corruption levels as well as in increased opportunities for
women, establishing gender equality as a societal norm.

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A n t i - C o r r u p t i o n

Bibliography:

Alatas, Vivi, Lisa A. Cameron, Ananish Chaudhuri, Nisvan Erkal, and Lata Gangadharan. Gender and

Corruption: Insights from and Experimental Analysis

. Working paper no. 974. University of Melbourne,

Department of Economics, 2007. Web. <http://www.economics.unimelb.edu.au/research/
papers/lata1l.pdf>.

Alolo, Namawo. Fighting Public Sector Corruption in Sub-Saharan Africa: Does Gender Matter? Rep. University of

Birmingham, IDD School of Public Policy, 2004. Web. <http://www.sed.manchester.ac.uk/
research/events/conferences/documents/Redesigning%20The%20State%20Papers/Alolo.pdf>.

Dollar, David, Raymond Fisman, and Robarta Gatti. Are Women Really the “Fairer” Sex? Corruption and Women

in Government

. Working paper no. 4. World Bank Development Research Group, Oct. 1999. Web.

<h tt p:/ / w ww. se c .l t/ pa ge s/ a l f d i sk u si j os/ pa ge s/ d i s c u ss3 / d oc s/ ge nd e r %2 0 a nd %
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. Rep. Council of Europe, 30 Aug. 2004. Web.

<http://www.coe.int/t/dghl/cooperation/economiccrime/corruption/projects/PACO%
20impact/PC-TP(2004)45.pdf>.

Goetz, Anne Marie. Political Cleaners: How Women Are the New Anti-Corruption Force. Does the Evidence Wash?

Rep. Institute of Development Studies, University of Sussex, 2004. Web. <http://www.u4.no/
document/showdoc.cfm?id=124>.

Perception of Corruption and the Place of Women in Anti-Corruption Systems

. Rep. Ricol, Lasteyrie & Associés and

Women’s Forum for the Economy & Society, Oct. 2007. Web. <http://womens-forum.com/
zzRestofsite/0711/documents/RLA-CSA-Corruption-Survey.pdf>.

Schimmel, Bianca, and Birgit Pech. Corruption and Gender Approaches and Recommendations for TA Focal Theme:

Corruption and Trafficking in Women

. Rep. Ed. Melanie Wiskow. German Federal Ministry for

Economic Cooperation and Develeopment, 2004. Web. <http://www.iiav.nl/
epublications//2004/Corruption_and_Gender.pdf>.

Swamy, Anand, Stephen Knack, Young Lee, and Omar Azfar. Gender and Corruption. Working paper.

Williams College, Center for Development Economics, Aug. 2000. Web. <http://
cde.williams.edu/wp-content/uploads/2009/11/Swamy_gender.pdf>.

R I S K S A N D

O P P O R T U N I T I E S

Food Security

Fragile States

Chronic disease and Well-Being

Energy Security

Water Security

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F o o d S e c u r i t y

In 2009, the global food and economic crises drove millions of additional people into food insecurity,
raising the total number of hungry people to over 1 billion. The number has since declined slightly to an
estimated 925 million, but it remains high and a substantial risk of repeated crises remains. Shortfalls
and volatility in global food supplies and prices will likely continue and potentially intensify due to rising
demand for food, the increased costs of production, and intensified climate change. Risk and volatility have
become “the new normal” in the food security arena. The global community must adapt its prevention and
response actions accordingly. Yet food insecurity can be mitigated. This Council seeks to help raise
awareness and leverage support for priority actions to strengthen the global response to this challenge.

Women’s role in food production and agriculture has traditionally been overlooked; only
recently has their critical role in attaining food security begun to receive increased
attention. Introducing a gender perspective to food security will help to acknowledge
more fully the extent of women’s contributions to household food security, as well as
identify men’s and women’s specific needs to make food production more efficient and
effective.

The World Food Summit of 1996 defined food security as “when all people at all times
have access to sufficient, safe, nutritious food to maintain a healthy and active life.”
Worldwide, women play a crucial role in food security and agricultural development.
They make up the majority of farmers and agriculture workers. According to PAN Asia-
Pacific, women are responsible for half of the world’s food production. In most
developing countries, women are the mainstay of food production; they produce between
60 and 80 percent of all food. In Southeast Asia, 90 percent of rice is produced by
women. In Pakistan, women raise 80 percent of the livestock.

Women contribute substantially to ensuring food security by collecting and harvesting
food to feed their families and employing environmentally sound and sustainable farming
practices to maximize future crop production. Less frequently recognized is women’s role
in increasing overall agricultural outputs and growing agricultural businesses. On average,
women achieve a much higher agricultural output per plot than do men. The Asian
Development Bank has also found that giving micro loans to women entrepreneurs
interested in developing new agricultural products and services increases their income and
employment from raising and marketing livestock. Increasing women’s income is critical,
according to the Food and Agriculture Organization of the UN, for research in Latin
America, Asia, and Africa shows that women’s access to income and their decision-
making power in household expenditures are associated with household food security and
better nutrition.

Nonetheless, gender norms and gender differences in property rights continue to restrict
women’s access to the resources and technology necessary for food production while
hindering women’s legal rights to land. Property rights significantly influence land care
thus land owners have a greater incentive to develop ways of preserving regenerating the
land. In Cameroon, for example, women own less than 10% of all land, while they do
more than 75% of the agricultural work. Land rights reform is essential to ensuring food
security.

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F o o d S e c u r i t y

In addition, women have less access to extension services (frequently due to the fact that
men agents work with male farmers, working on the false assumption that the
information will “trickle down” to the women), decreasing their access to new education
and farming techniques that would help improve their agricultural output. Through
Human Rights Resolution 2005/18, the United Nations has acknowledged that women
are disproportionately affected by food insecurity, and that it is critically necessary to
continue mainstreaming gender in efforts to increase food security. Introducing a gender
perspective to food security acknowledges and raises the value of women’s contributions
to household food production and promotes gender equality as an institutionalized norm.

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F o o d S e c u r i t y

Bibliography:

"Agriculture & Food Security | The International Center for Research on Women (ICRW)." The

International Center for Research on Women (ICRW) | Where Insight and Action Connect. Web.
<http://www.icrw.org/html/issues/nutrition.htm>.

Bunch, Sandra, and Rekha Mehra. Women Help Solve Hunger. Publication. International Center for Research

on Women, 2008. Web. <http://www.icrw.org/files/publications/Women-Help-Solve-
Hunger.pdf>.

"Gender." Food and Agriculture Organization of the United Nations. Web. <http://www.fao.org/gender/

en/>.

Mehra, Rekha, and Mary Hill Rojas. Women, Food Security and Agriculture in a Global Marketplace. Rep.

International Center for Research on Women, 2008. Web. <http://www.icrw.org/files/
publications/A-Significant-Shift-Women-Food%20Security-and-Agriculture-in-a-Global-
Marketplace.pdf>.

Rengam, Sarojeni. Women and Food Security. Rep. German NGO Forum Environment & Development,

2001. Web. <http://www.forum-ue.de/fileadmin/userupload/publikationen/
aglw_2001_drawing_on_farmers_experiences_in_food_security.pdf#page=38>.

Roberts, Susan L. Women: the Key to Food Security. Rep. Drake University Agricultural Law Center, Dec. 2001.

Web. <http://www.statefoodpolicy.org/docs/women.pdf>.

"Women and Sustainable Food Security." Sustainable Development Department Dimensions. Food and

Agricultural Organization of the United Nations. Web. <http://www.fao.org/SD/fsdirect/
fbdirect/FSP001.htm>.

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F r a g i l e S t a t e s

States suffering fragility are those states where the national public authority is not providing the basic
public goods that allow their societies to live in peace and improve their prospects for the future. These are
states that do not provide accountable and effective security and social protection; predictable and enforced
laws that are generally accepted as legitimate; revenue collection and management of external aid to ensure
the delivery of basic social and economic services to society; and mechanisms of accountability of state
authorities to society. These states are vulnerable to both internal and external shocks and thus their
populations are likely to suffer the most from the vagaries of climate change and the impact of droughts
and flooding, regional insecurity, and regional and international economic crises.

Fragility refers to certain state’s inability and/or unwillingness to provide essential public
goods like protection from external threats, rule of law and basic social services to most
of their citizens. The impact of state fragility on vulnerable populations, especially poor
people on the ground as well as women and girls within these populations, is of great
concern. A generation of learning about gender and development suggests that there are
two basic ways in which gender considerations are important in fragile states. Men and
women are affected differently by the widespread human rights violations, pervasive
poverty and physical insecurity that often characterize fragile states. At the same time,
men and women -- and prevailing gender relations -- can contribute to or undermine
positive change in fragile states.

First, men and women are affected differently by state fragility and human rights
violations in fragile states. In some situations women and girls are vulnerable to rape and
other forms of gender-based violence, as well as to forced displacement. In others men
and boys are targeted by campaigns to recruit or eliminate potential combatants. Limited
access to justice also affects men and women differently. For example weak legal
protection against domestic violence, and weak protection for women’s property claims,
profoundly affect women’s ability to exercise their rights. Extreme poverty is another
prevailing feature of most fragile and failing states. Women are hard hit by poverty where
they are excluded from full participation in the labor force or in credit markets, by law or
by practice. Women and children can also have less access to already weak social services
like health and primary education in fragile states. Women and girls take on greater work
burdens when basic services are limited and when men are drafted into war. Authoritarian
and discriminatory politics in some fragile states can also limit opportunities for women’s
participation in policy-making and implementation.

Second, gender roles and relations are crucial to understanding opportunities and
obstacles to state building. Just as men and women are affected differently by fragility,
they can be obstacles to or agents of positive change in fragile states. For example some
women and their organizations might be champions of democratic participation and
accountability. Others may encourage large-scale violence, as was seen in the Balkans,
Rwanda and Uganda during the 1990s. Men can also be champions of reform. Some men
have been at the forefront of struggles for democracy, economic equity and even gender
equality. Yet history suggests that, in some circumstances, some men and the
organizations they lead are drivers behind aspects of state fragility such as discrimination,
violence, misogyny and the maintenance of elite privileges. Women and men, girls and
boys, have much to contribute to transforming the dynamics of state fragility. They can

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contribute to building alternatives at the community level, to challenging state fragility at
the national level, and to linking with efforts in neighboring states, since fragility often
spills across borders. The specific roles of men and women, and their potential as change
agents, should be examined and reinforced in a context-specific manner.

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F r a g i l e S t a t e s

Bibliography:

Baranyi, Stephen, and Kristiana Powell. Fragile States, Gender Equality and Aid Effectiveness: A Review of Donor

Perspectives

. Rep. The North-South Institute, Aug. 2005. Web. <http://www.nsi-ins.ca/english/

pdf/Gender_FS_Paper_Donor_Perspectives.pdf>.

Gumbonzvanda, Nyaradzai. Financing Gender Equality in Fragile States. Rep. World YWCA, Feb. 2008. Web.

<http://www.google.com/url?sa=t&source=web&cd=1&ved=0CBcQFjAA&url=http%3A%
2F%2Fwww.worldywca.org%2Fcontent%2Fdownload%2F28028%2F308102%2Fversion%2F1%
2Ffile%2FFinancing%2BGender%2BEquality%2Bin%2BFragile%2BStates%2BNG%2BCSW%
2B2008.pdf&rct=j&q=%22Financing%20Gender%20Equality%20in%20Fragile%20States%
22&ei=vbY4TdnuCcbpgAeup8yvCA&usg=AFQjCNHsz1Pmxnq1bLu8vt9HHhfhh3mJNQ&sig2
=ybAs3iYUbARtkcSK_scZUw&cad=rja>.

Hanson, Cindy, and Kate McInturf. Gender Training and Fragile States: What Works? Rep. Oxfam Canada,

2008. Web. <http://www.peacebuild.ca/documents/Gender%20Training%20and%20Fragile%
20States%20Workshop%20Report.final.pdf>.

Hausmann, Ricardo, Saadia Zahidi, and Laura Tyson. Global Gender Gap Report 2008. Rep. The World

Economic Forum, 2008. Web. <http://www.weforum.org/pdf/gendergap/report2008.pdf>.

Hudson, Valerie. "The Heart of the Matter: The Security of Women and the Security of States." International

Security

33. Winter 2008-2009.

Koch, Julie. Does Gender Matter in Fragile States? Rep. Danish Institute for International Studies, Oct. 2008.

Web. <http://www.diis.dk/graphics/Publications/Briefs2008/
PB_2008_10_Does_Gender_Matter_in_Fragile_states.pdf>.

Page 75

C h r o n i c D i s e a s e s & W e l l -

B e i n g

The Council on Pandemics warns that while any serious, global pandemic will cause considerable harm,
pandemic influenza poses a particularly acute threat because the flu virus can lead to serious illness and
spread very quickly. The rapid, global transmission of a virulent influenza would be especially difficult
for developing nations to manage; a severe outbreak could overwhelm scarce medical resources, hinder
outside aid efforts and disrupt the supply of food, electricity, water and essential medicines. Rich nations
would likely experience social and economic turmoil including school closures, transportation shut-downs
and numerous other service disruptions which could, in turn, trigger a significant, economic downturn.
State and local governments will be hard-pressed to handle the surge of patients and to distribute vaccine
and antiviral medication quickly and efficiently.

Public health experts recognize that women would be especially vulnerable during a
severe influenza outbreak for two reasons: biological (child-bearing) and cultural (child-
rearing). The cultural component is more pronounced in traditional societies where
mothers and daughters are the primary (if not the sole) caretakers of young children and
ailing family members. During an influenza pandemic, girls and women will be in direct,
constant contact with flu sufferers. The closer and more prolonged the contact, the
greater the risk of contracting the virus.

Girls living in poor, rural societies are at special risk given that the malnutrition rate
among female children is significantly higher than among male children. Due to the so-
called “son bias,” male children in developing nations consistently consume more calories
and proteins than daughters, leaving girls weaker and more vulnerable to infection.
Moreover, boys often consume a significantly larger share of health care resources in
general and medicines in particular. The World Health Organization (WHO) and other
international organizations have found that parents in rural societies are more willing to
travel farther to seek medical treatment for sons than for daughters even after adjusting
for severity of illness, parent's income, occupation and education, and the birth order of
the child. These attitudes will increase the mortality rate of girls during a pandemic.

Pregnant women with the flu are at risk of developing serious complications which can
trigger early labor and cause severe respiratory aliments such as pneumonia. As a result,
otherwise healthy pregnant women who contract the flu are far more likely to be
hospitalized.

In recognition of the special challenges presented by pregnant women, the Centers for
Disease Control (CDC) recommends immunizing pregnant women against the flu and
giving them the highest priority access to the H1N1 vaccine in the event of a shortage. If
past is prologue, however, many pregnant women will not get immunized. Despite the
well-known risk of the virus to both mother and baby, the flu vaccination rate for
expectant women is very low. In fact, the CDC cautions that pregnant women may
simply “opt out” due to potential side-effects (real or imagined) of new medicines such as
the H1N1 vaccine that were developed relatively quickly and approved without the usual
testing protocol.

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Many pregnant women also refuse to take antiviral drugs to reduce flu symptoms and
severity. Untreated pregnant women with the flu are at greater risk (than those taking
antiviral medicine) of becoming seriously ill and/or infecting family members, co-workers
and the general public. For this reason, pandemic influenza planners are stressing “non-
pharmaceutical” precautions for pregnant women, directing them to stay at home, avoid
crowded settings, and limit their exposure to people and public places.

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C h r o n i c D i s e a s e s & W e l l - B e i n g

Bibliography:

"CDC H1N1 Flu | What Should Pregnant Women Know About 2009 H1N1 Flu (Swine Flu)?" Centers for

Disease Control and Prevention, 19 Oct. 2009. Web. <http://www.cdc.gov/h1n1flu/guidance/
pregnant.htm>.

Chen, Lincoln, Emdadul Huq, and Stan D'Souza. "Sex Bias in the Family Allocation of Food and Health

Care in Rural Bangladesh." Population and Development Review 7.1 (1981): 55-70.

Desmon, Stephanie. "H1N1 Shots Give Women Pause." Baltimore Sun 19 Sept. 2009.

Landler, Mark. "A New Gender Agenda." New York Times Magazine 23 Aug. 2009.

"Pandemic Flu and the Potential for U.S. Economic Recession - Trust for America's Health." Trust for

America's Health - Preventing Epidemics. Protecting People

. HealthyAmericans.org, Mar. 2007. Web.

<http://healthyamericans.org/reports/flurecession/>.

Rasmussen, Sonja A., Denise J. Jamieson, and Jospeh Bresee. "Pandemic Influenza and Pregnant Women."

Emerging Infectious Diseases

14.1 (2008): 95-100.

Stein, Robert. "Reports Criticize Pandemic Planning." Washington Post 21 Sept. 2009.

Page 79

E n e r g y S e c u r i t y

Energy security is the reliable, stable and sustainable supply of energy at affordable prices and social cost.
For many years governments have struggled to provide energy security through a mix of policies that have
tempered demand and increased supply. There is growing evidence that these policies are falling far short of
the effort needed. Energy exporters and importers are interdependent and increasingly anxious about the
reliability of energy supplies. Additionally, a number of interlinked issues and challenges have appeared in
recent years. The Council on Energy Security aims to identify and discuss these challenges.

In developed nations, energy security is defined as the sustained availability of adequate
fuel supplies at an affordable cost. A nation which has attained energy security has
sufficient energy to support economic growth and to protect against energy shortfalls that
could dampen economic expansion and potentially trigger social and political unrest.
Energy security in developing nations is often defined in the negative. The United
Nations Development Programme, for example, defines energy insecurity or so-called
“energy poverty“ as “the inability to cook with modern cooking fuels and the lack of a
bare minimum of electric lighting to read or for other household and productive activities
at sunset.”

In developing countries, a significant percentage of rural, poor households lack access to
basic electrical services. Energy-poor households must use firewood or other biomass
fuels for cooking and for lighting. Without electrical pumps, water for drinking, washing,
cooking and sanitation must be carried home, sometimes at great distance.

In such households, the absence of basic energy services puts a greater burden on women
than on men simply because the chore of gathering adequate fuel supplies and water
typically falls to women. Mothers and daughters shoulder a disproportionate
responsibility to fulfill household energy demands, and spend much of their time and
physical strength carrying water and collecting fuel. Although essential to the family’s
wellbeing, such labor is considered less valuable than the duties traditionally performed
by men.

The long hours and considerable effort required to gather fuel and water day after day
leaves women physically sapped and lacking the time to pursue their education or to
obtain gainful employment outside the home. Women cannot advance in any society
without education or the means to generate income. Thus, gender inequality in traditional
rural societies is perpetuated, reinforcing female illiteracy and poverty.

In order to prosper, many rural families, especially impoverished women, need secure
access to modern cooking fuels and running water. For this reason, energy experts
believe that emerging nations must consider issues surrounding gender and poverty when
developing new energy policies. In fact, such experts contend that an enlightened energy
policy should do more than simply provide disadvantaged women with basic energy
needs; a progressive policy should also increase income-generating opportunities for
women in the production and distribution of energy through targeted training programs
and creative financing options.

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E n e r g y S e c u r i t y

Bibliography:

Cecelski, Elizabeth. Gender and Access to Energy Services. Rep. Energy, Environment and Development (EED)

Germany. Web. <http://www.hedon.info/docs/GenderAndAccessToEnergyServices.pdf>.

Economic Empowerment of Women through Small Business Enterprises

. Rep. Energia Enterprises and UNDP, 20

Apr. 2006. Web. <http://www.energia.org/fileadmin/files/media/factsheets/
factsheet_enterprises.pdf>.

Energy Policy & Equality Between Men and Women

. Rep. Organisation for Economic Co-operation and

Development, Dec. 1998. Web. <http://www.oecd.org/dataoecd/40/3/1849338.pdf>.

Goldemberg, Jose. World Energy Assessment: Energy and the Challenge of Sustainability. New York: United

Nations Development Programme, 2000.

Misana, Salome, and Gail Generating Opportunities: Case Studies on Energy and Women Karlsson.

Generating Opportunities: Case Studies on Energy and Women

. Rep. UNDP, 2001. Web. <http://

www.energyandenvironment.undp.org/undp/index.cfm?
module=Library&page=Document&DocumentID=5030>.

Sarmiento, Prime. "INDIA: Forum Addresses Rural Energy Security - IPS Ipsnews.net." IPS Inter Press

Service, 10 June 1998. Web. <http://ipsnews.net/news.asp?idnews=42725>.

Takara, Minoru, Ellen Morris, and Sudhir Rajan, eds. Sustainable Energy Strategies: Materials for Decision-Makers.

Rep. UNDP, 2000. Web. <http://www.undp.org/energy/publications/2000/2000a.htm>.

Yergin, Daniel. "Ensuring Energy Security." Foreign Affairs 85.2 (2006): 69-82.

Page 81

W a t e r S e c u r i t y

Our wealthier, more populous, more climate-variable world is fast becoming a more water insecure world.
Water insecurity poses a real threat to the economic development and security of numerous countries. The
fundamental rethink of how water is managed will simultaneously focus on supply, investment, allocation,
regulation and conservation issues. The world must manage the resource better; however, water
management is approached with trepidation, if it even appears on the political agenda. Although effective
bilateral and regional arrangements exist, global institutions are not configured to provide the
multidisciplinary, multistakeholder platforms required to discuss, highlight and collectively take action on
shared water challenges. Thus there is a clear need to establish such coalitions and to make them “ACT”,
or move from

nalysis to

ollations to

ransformations, in order to prevent major water crises.

Within the next 20 years freshwater will become the most important strategic resource,
essential for sustaining life and achieving sustainable development. Its control will be a
source of power and the key to economic development, and it will be one of the root
causes of socio-political stress. The global commitments made in the areas of water and
sanitation do not specifically address the equitable division of power, work, access to and
control of resources between women and men. It will be critical to mainstream gender
perspectives into the planning process to ensure that the specific needs and concerns of
women and men from all social groups are taken into account in development, use and
management of water resources and sanitation.

The importance of involving both women and men in the management of water and
sanitation has been recognized at the global level, starting with the 1977 United Nations
Water Conference at Mar del Plata, the International Drinking Water and Sanitation
Decade (1981-90) and the International Conference on Water and the Environment in
Dublin (January 1992), which explicitly recognizes the central role of women in the
provision, management and safeguarding of water. Moreover, the resolution establishing
the International Decade for Action, ‘Water for Life’ (2005-2015), calls for women’s
participation and involvement in water-related development efforts.

In most cultures, women and men have different roles and responsibilities in the use and
management of water. Water is often at the core of women’s traditional responsibilities:
collecting water for cooking, cleaning, health and hygiene, and if they have access to land,
growing food. These tasks often represent a whole day of work; in some regions, women
spend up to five hours a day collecting fuel wood and water and up to four hours
preparing food. In Africa, 90% of the work of gathering water and wood, for the
household and for food preparation, is done by women. The inordinate burden of
fetching water inhibits women’s and girl’s involvement in other activities such as
education, income generation, cultural and political involvement, and rest and recreation.

Technological innovations are beginning to ease this burden. The invention in recent
years of a low-cost irrigation pump operated by a foot pedal, for example, has reduced
the time women spend gathering drinking water and water for irrigating crops. Water
filtration systems that are easy to construct and operate and inexpensive to maintain are
now available in some of the poorest nations. Because contaminated drinking water
sickens or kills millions of people every year in developing countries, such innovation
must be properly encouraged and funded.

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W a t e r S e c u r i t y

Ensuring women's use and control of land - and irrigation water - is fundamental. Studies
have shown a direct correlation between independent land and irrigation rights for
women and a higher productivity of land and labor. Thus, land allocation under irrigation
schemes should be to individual farmers rather than to households—currently, women
hold title to less than 2 per cent of the world’s private land. Moreover, even where
women do have a legal right to land, customs often prevent them from taking de facto
control of land and natural resources, such as in Burkina Faso, Cameroon and
Zimbabwe.

Women are also under-represented in the ‘water world’, with careers and training in water
management dominated by men. If water management is to be democratic and
transparent – and represent the needs of the people – both men and women must have
an equal say. A start has been made through the increase in the number of women
serving as ministers of water and environment, but the empowerment of women as water
managers must also be felt at the grassroots level.

Lessons from Africa and the rest of the world have demonstrated that increased
participation by women in decision-making leads to better operation and maintenance of
water facilities, better health for the community, greater privacy and dignity for women,
more girls attending school and increased income opportunities for women. It has
increasingly been recognized that the exclusion of women from the planning of water
supply and sanitation schemes is a major cause of their high rate of failure. Gender
considerations are at the heart of providing, managing and conserving our finite water
resources and safeguarding health through proper sanitation and hygiene.

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W a t e r S e c u r i t y

Bibliography:

A Gender Perspective on Water Resources and Sanitation

. Rep. no. 2. United Nations Department of Economic

and Social Affairs, Statistics Division, 2005. Web. <http://www.un.org/esa/sustdev/csd/csd13/
documents/bground_2.pdf>.

"Facts and Figures: Women and Water." 2003 International Year of Freshwater. The United Nations. Web.

<http://www.wateryear2003.org/en/ev.php-
URL_ID=2543&URL_DO=DO_TOPIC&URL_SECTION=201.html>.

"Gender and Equity." IRC International Water and Sanitation Centre. Web. <http://www.irc.nl/

page/118>.

"Gender and IWRM Resource Guide." The Gender and Water Alliance. Web. <http://

www.genderandwater.org/page/2414>.

"Gender and Water Alliance." The Gender and Water Alliance. Web. <http://www.genderandwater.org/

page/107>.

Gender, Water and Sanitation: A Policy Brief

. Rep. UN-Water Task Force on Gender and Water, 2006. Web.

<http://www.unwater.org/downloads/unwpolbrief230606.pdf>.

Hausmann, Ricardo, Saadia Zahidi, and Laura Tyson. Global Gender Gap Report 2008. Rep. The World

Economic Forum, 2008. Web. <http://www.weforum.org/pdf/gendergap/report2008.pdf>.

Kohsla, Prabha, and Rebecca Pearl. Untapped Connections: Gender, Water and Poverty. Rep. Women’s

Environment and Development Organization, Jan. 2003. Web. <http://www.unwater.org/
downloads/untapped_eng.pdf>.

"Resource Guide on Mainstreaming Gender in Water Management." Gender and IWRM Resource Guide. The

Gender and Water Alliance, 2006. Web. <http://

www.genderandwater.org/page/2414>.

"The United Nations World Water Development Report, WWDR." UN World Water Assessment

Programme. Web. <http://www.unesco.org/water/wwap/wwdr/>.

"Water for Life." Welcome to the United Nations: It's Your World. The United Nations. Web. <http://

www.un.org/waterforlifedecade/>.

"Water Links Worldwide." UNESCO Water Portal. UNESCO. Web. <http://www.unesco.org/water/

water_links/Water_Issues/Water_and_society/Water_and_gender_issues/>.

Water, Sanitation and Gender

. Rep. The World Bank, Department of Gender and Development Group, Mar.

2 0 07 .

We b.

<http:// si tere sou rce s.wor ld ba nk .org/ IN TGEN D ER/ Re sou rce s/

Water_March07.pdf>.

Water Supply and Sanitation

. Rep. The World Bank, Gender and Development Group. Web. <http://

w e b . w o r l d b a n k . o r g / W B S I T E / E X T E R N A L / T O P I C S /
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0.html>.

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<http://www.unep.org/pdf/women/ChapterFive.pdf>.

"Women and Water Resources." FAO Focus. Food and Agricultural Organization of the United Nations.

Web. <http://www.fao.org/focus/e/women/Water-e.htm>.

R E G I O N A L A G E N D A

Middle East and North Africa

Agriculture

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M i d d l e E a s t a n d N o r t h A f r i c a

The Council on the Middle East & North Africa (MENA) will focus its work on three critical issues
for the future of the region, namely addressing the gender gap, ensuring quality education and fostering
economic competitiveness. This Council will bring leaders of business, government and civil society a fresh
perspective and a sense of urgency in addressing the three issues. Council Members will also provide the
MENA perspective on key global challenges that will be explored by the Network of Global Agenda
Councils.

The Middle East and Northern Africa region (MENA) occupies the last place of the 2010
Global Gender Gap Report, having closed a little over 58 percent of its overall gender
gap. In MENA, Israel holds the top position; in the Arab world, the United Arab
Emirates leads the way, followed by Kuwait, Tunisia and Bahrain. Arab societies are
characterized by higher than average fertility, higher than average mortality, and rapid
rates of population growth. In addition, women in MENA are living longer and healthier
lives. Since 1980 their life expectancy has increased by some 10 years, mainly because of
improved health care and reduced maternal mortality.

Women are perceived as wives and mothers, not as active participants in the economy,
and gender segregation is customary, and in some countries legally required. The
prescribed role of women in Islamic theology and law is often argued to be a major
determinant of women’s status. Islam dictates the legal and institutional safeguards of
honor, thereby justifying and reinforcing the segregation of society according to sex.
Religious norms affecting women’s reproductive function have been used to justify their
segregation in public, their restriction to the home, and their lack of civil and legal rights.
Gender asymmetry and the status of women in the Arab world cannot be solely
attributed to Islam, because adherence to Islamic precepts and the applications of Islamic
legal codes differ throughout the Arab world.

In the last decade, MENA governments spent an average of 5.3 percent of GDP on
education—the highest in the world—and 2.9 percent on health care in the last decade.
In light of this, the ratio of girls to boys in primary and secondary education is 0.96,
which compares favorably to that in Low and Middle Income Countries worldwide
(World Bank, 2010). In 11 of 18 Middle East countries, women outnumber men at
universities. Women now have greater access to education and new communications
technologies allow women to study subjects previously unavailable to them. For example,
it allows male teachers to teach women remotely, by using video conferencing and
adhering to segregation norms. Such technologies are making it possible for women to
pursue advanced degrees in medicine, law, chemistry, the humanities, and the social
sciences.

Women are severely underrepresented in politics, holding less than 10 percent of the
seats in parliament (World Bank, 2010). Nevertheless, progress has been achieved since,
except for Saudi Arabia, women have the right to vote and to be elected to parliament or
to local councils in all the countries in the region. In most countries in the region, a

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M i d d l e E a s t a n d N o r t h A f r i c a

handful of women also serve as ministers, ambassadors, deputy ministers, and even
judges. In 2005, the number of women parliamentarians varied from one in Yemen to 13
in Iran, and 87 in the Iraqi parliament. A handful of women served as ministers,
ambassadors, deputy ministers and even judges. For example, Iraq had six women
ministers, Jordan three, Bahrain two, Kuwait one, and Iran none (OOO, 2005).

The region’s female labor force participation rate of 26 percent is well below the 39
percent rate in Low and Middle Income countries (World Bank, 2010). Due to religious
norms around segregation and women’s roles as caretakers, women’s opportunities for
work are far fewer than those of men. This is also evident in the high unemployment
among the relatively low share of women in the labor marker, and even more in the
concentration of educated women among those unemployed. Women’s employment
rates in MENA are the lowest in the world, although female labor force participation in
MENA is increasing faster than in other regions. Agriculture remains the largest
employer of women in MENA, even though female employment in the service industry is
on the rise. On the one hand, working women are heavily concentrated in lower-level
white-collar jobs, and underrepresented in managerial and professional positions. On the
other hand, many women choose self-employment, often out of necessity and frequently
do so by starting their business in the informal sector. For those women, their activities
are far more knowledge-based and far more plugged into global markets through
information and communications technologies. Therefore, policy reforms in the business
sphere should include reforms to reduce barriers to opening and closing firms since
investment climate barriers to opening and closing a business can discourage women
more if investments are more costly and time consuming to reverse.

Social norms continue to impact women’s empowerment in the MENA region, which
translate into an ineffective use of the region’s resources including women’s
entrepreneurship potential, and women’s return on education. This means addressing
social norms about working women and promoting an environment where women can
balance work and family. Governments should consider eliminating requirements that
dictate that their interactions with the state be mediated through a male relative. Policy
makers should also look at whether economic goals are undermined by laws and
regulations based on traditional gender roles. For example, a woman may find foreign
buyers for her firm output, but she cannot board the plane to close the deal if her
husband has not given her written permission to obtain a passport and travel. Also, policy
makers need to overcome legal opaqueness which can create additional risks and
potentially hinder women’s entrepreneurs’ access to justice, conflict resolution, and
contract enforcement. For example, female-owned firms in Egypt report needing 86
weeks on average to resolve a conflict through the legal system, compared to 54 weeks
for male-owned firms (World Bank, 2010).

The MENA region has made significant progress in reducing gender gaps in human
development. However, this progress has not translated into improvements in economic
and political inclusion. Social and cultural factors remain pertinent to understanding
female participation in the labor force. Given such barriers, decisive reforms to create job
opportunities, and including women through an improved policy environment—

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especially to propel private sector employment—have the potential to make a big
difference to overcoming the financial crisis.

Bibliography:

Al-Ali, Nadje. Secularism, Gender and the State in the Middle East: the Egyptian Women's Movement. Cambridge:

Cambridge U.P., 2000.

Chamlou, Nadereh. The Environment for Women's Entrepreneurship in the Middle East and North Africa.

Washington, D.C.: World Bank, 2008.

Doumato, Eleanor A., and Marsha P. Posusney. Women and Globalization in the Arab Middle East: Gender,

Economy, and Society

. Boulder: Lynne Rienner, 2003.

"Gender - Middle East and North Africa's Women in the Workforce." World Bank Group. Web. <http://

web.worldbank.org/WBSITE/EXTERNAL/TOPICS/
EXTGENDER/0,,contentMDK:22497617~menuPK:2643809~pagePK:64020865~piPK:149114
~theSitePK:336868,00.html>.

Gender and Development in the Middle East and North Africa: Women and the Public Sphere

. Publication. World

Bank Group, 2004. Web. <http://siteresources.worldbank.org/INTMENA/
Publications/20262http://www-wds.worldbank.org/servlet/WDSContentServer/WDSP/
IB/2004/03/09/000090341_20040309152953/Rendered/
PDF/281150PAPER0Gender010Development0in0MNA.pdf206/genderoverview.pdf>.

Hausmann, Ricardo, Laura Tyson, and Saadia Zahidi. The Global Gender Gap Report. Rep. The World

Economic Forum, 2010. Web. <http://www.weforum.org/pdf/gendergap/report2010.pdf>.

"Middle East Round Table." Bitterlemons.net. 28 July 2005. Web. <http://www.bitterlemons-

international.org/previous.php?opt=1&id=95>.

Moghadam, Valentine M. Modernizing Women: Gender and Social Change in the Middle East. Boulder: Lynne

Rienner, 2003.

Reinikka, Ritva. The Financial Crisis, Recovery, and Long-Term Growth in the Middle East and North Africa. Rep.

World Bank Group. Web. <http://siteresources.worldbank.org/EXTPREMNET/Resources/
C22TDAT_377-386.pdf>.

Salehi-Isfahani, Djavad. Labor and Human Capital in the Middle East: Studies of Markets and Household Behavior.

Reading: Garnet & Ithaca Press, 2001.

Unlocking the Employment Potential in the Middle East and North Africa: toward a New Social Contract

. Washington,

D.C.: World Bank, 2004.

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A g r i c u l t u r e

Agricultural output constitutes 10% of the GDP of developing countries. It accounts for
the livelihood of a vast majority of the population in those countries (World Resources
Institute, 2007). Furthermore, agriculture is a key engine to economic growth and
industrialization (USAID, 2010). While women worldwide are responsible for the
production of over half of the world’s foodstuffs, they have limited access to inputs and
training, assets and land, and financial capital, which results in lost productivity and
output, and deflated economic growth (Barret, 2009).

The inefficiencies of sex-segregated labor markets have similar repercussions. According
to the USAID Greater Access to Trade Expansion program, “developing value chains
and supporting gender equity are mutually supportive goals. Value chain programs, when
designed with gender equitable principles can foster both competitiveness and gender
equity goals to enhance poverty-reduction impacts” (Barret, 2009). Given the importance
of agriculture to the people and economies of developing countries, and the economically
detrimental results of gender inequality in agriculture, addressing these inequalities is
crucial to the success of public and private agricultural investment.

Access to inputs and training:

Access to inputs such as labor, improved seeds,

fertilizers, and physical capital is crucial to agricultural productivity. Social customs often
inhibit women’s freedom to make decisions regarding their own labor commitments and
the procurement of additional labor (Barret, 2009). A study of farmers in Burkina Faso in
the 1980s showed women’s yields were less than men’s due to relatively limited access to
labor and fertilizer. Models showed that a more equitable allocation of inputs within
households could increase total yields by 10 to 20% (Barret, 2009). Another study of
Kenyan farmers showed that yields would increase by more than 20% if agriculture
inputs and education were equally distributed between men and women (Barret, 2009).
Finally, women worldwide receive only 5% of all agricultural extension services according
to a recent FAO survey (FAO, N.D.), despite being responsible for the majority of global
foodstuff production (Barret, 2009).

Assets and Land Ownership:

One common barrier to land ownership is customary

legal systems and cultural norms. While such systems vary widely, they often limit
women’s right to inherit and access land, only affording them the right to land use
through husbands and male relatives (FAO, 2002).

Financial Capital:

Women in the agricultural sector have less access to financial capital

relative to men. In Africa, for example, women get only 1% of all credit for agriculture,

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A g r i c u l t u r e

while they grow 80% and process 90% of Africa’s food (Meinzen-Dick, 2009). Given
barriers to land and physical capital ownership, women are less able to provide the
collateral often required to obtain credit. Improving access to financial capital can
increase women’s ability to purchase inputs, thereby increasing productivity (WB, 2010).

Long term economic growth:

Gender equality and competitiveness are correlated.

Women, unlike men, reinvest almost all profits into future inputs and household needs
(WB, 2010). A study testing the effects of fertilizer credits on maize yields in Kenya
found that women’s groups that received the credit increased their yields and income
significantly, and reinvested that profit in fertilizer (Barret, 2009).

Given that women

spend a higher percentage of their income on family health and education, income in the
hands of women shows a larger return on investment in terms of human capital, which
propels economic growth. This cycle is described by the USAID: “as people become
better nourished and educated, they contribute more to economic growth—particularly
the composition and volume of outputs and exports— and are more able to adopt
foreign technology and innovate upon it” (Barret, 2009). More money in the hands of
women leads to improved human capital, resulting in stronger economies and increased
investment opportunities over the long run.

Sex-segregated Labor Markets and Competitiveness:

In many countries, women

hold primary responsibility for domestic labor, restricting them from partaking in wage-
earning activities (FAO, 2009). Labor markets segregated by gender misallocate labor and
are less efficient and responsive. This limits firms’ ability to adapt to the rapid changes in
today’s global economic environment and hinders their competitiveness (Barret, 2009).

Women world-wide face limited access to agricultural inputs and capital relative to men.
Public programs, private investment, and public-private partnerships that include a
gender dimension have greater returns on investment in the form of increased
productivity and output, and improved competitiveness, the benefits of which accrue not
only to individual families, but across the entire value chain.

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A g r i c u l t u r e

Bibliography:

"Agriculture." Agriculture. U.S. Agency for International Development. Web. <http://www.usaid.gov/

our_work/agriculture/>.

Barret, Kara N., Cristina Manfre, and Deborah Rubin. Promoting Gender Equitable Opportunities: Why It Matters

for Agricultural Value Chains

. Rep. U.S. Agency for International Development, Nov. 2009. Web.

<http://www.usaid.gov/our_work/cross-cutting_programs/wid/pubs/
GATE_Promoting_Gender_Equitable_Opportunities_Why_Matters_11-09.pdf>.

"Cote D'Ivoire - Nothing Can Stop the African Woman… Ask Agathe." World Bank Group, 8 Mar. 2008.

Web. 21 Jan. 2011. <http://web.worldbank.org/WBSITE/EXTERNAL/COUNTRIES/
AFRICAEXT/
CDIVOIREEXTN/0,,print:Y~isCURL:Y~contentMDK:22492218~pagePK:141137~piPK:1411
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"Country Snapshots - Kenya and Agriculture & Micro-enterprise." USAID Women in Development (WID).

U.S. Agency for International Development. Web. <http://www.usaid.gov/our_work/cross-
cutting_programs/wid/snapshot/africa/kenya/kenya_ag_me.html#3>.

"EarthTrends: Searchable Database - Economics, Business, and the Environment." EarthTrends |

Environmental Information

. World Resources Institute. Web. <http://earthtrends.wri.org/

searchable_db/index.php?theme=5>.

Enhancing Women's Market Access and Promoting Pro-Poor Growth

. Rep. U.S. Agency for International

Development, 2005. Web. <http://www.usaid.gov/our_work/cross-cutting_programs/wid/
pubs/Overview_Market_Access_Women_2005.pdf>.

Gender in Agriculture Sourcebook

. Washington, D.C.: World Bank, 2008.

Gender Law: Women’s Rights in Agriculture

. Rep. no. 76. Food and Agricultural Organization of the United

Nations, 2002. Web. <ftp://ftp.fao.org/docrep/fao/005/y4311e/y4311e00.pdf>.

"Gender Checklists and Toolkit - ADB.org." Gender and Development. Asian Development Bank. Web.

<http://www.adb.org/Gender/checklists.asp>.

"Gender Tool Box." International Food Policy Research Institute. Web. <http://www.ifpri.org/book-20/

node/5088>.

"IFC's Women in Business Program." IFC Sustainability. International Finance Corporation, Sept. 2010.

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Meinzen-Dick, Ruth, and Agnes Quisumbing. Integrating Gender into Agricultural Programs. Rep. International

Food Policy Research Institute, 29 July 2009. Web. <http://www.usaid.gov/km/seminars/2009/
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Socio-Economic and Gender Analysis Programme

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Web. <http://www.fao.org/sd/seaga/>.

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The Adolescent Girls Initiative

. The World Bank, Gender and Development Group. Web. <http://

web.worldbank.org/WBSITE/EXTERNAL/TOPICS/
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Development (WID):

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