Beijing Declaration 1995: Strategic objective A.3

Draft Platform for Action
A. The persistent and increasing burden of poverty on women
Strategic objective A.3. Provide women with access to savings mechanisms and
institutions and to credit

Actions to be taken

64. By Governments:

(a) Enhance the access of disadvantaged women, including women entrepreneurs,
in rural, remote and urban areas to financial services through strengthening
links between the formal banks and intermediary lending organizations,
including legislative support, training for women and institutional
strengthening for intermediary institutions with a view to mobilizing capital
for those institutions and increasing the availability of credit;

(b) Encourage links between financial institutions and non-governmental
organizations and support innovative lending practices, including those that
integrate credit with women's services and training and provide credit
facilities to rural women.

65. By commercial banks, specialized financial institutions and the private
sector in examining their policies:

(a) Use credit and savings methodologies that are effective in reaching women
in poverty and innovative in reducing transaction costs and redefining risk;

(b) Open special windows for lending to women, including young women, who lack
access to traditional sources of collateral;

(c) Simplify banking practices, for example by reducing the minimum deposit and
other requirements for opening bank accounts;

(d) Ensure the participation and joint ownership, where possible, of women
clients in the decision-making of institutions providing credit and financial

66. By multilateral and bilateral development cooperation organizations:

Support, through the provision of capital and/or resources, financial
institutions that serve low-income, small-scale and micro-scale women
entrepreneurs and producers, in both the formal and informal sectors.

67. By Governments and multilateral financial institutions, as appropriate:

Support institutions that meet performance standards in reaching large numbers
of low-income women and men through capitalization, refinancing and
institutional development support in forms that foster self-sufficiency.

68. By international organizations:

[Increase] [Provide adequate] funding for programmes and projects designed to
promote sustainable and productive entrepreneurial activities for
income-generation among disadvantaged women and women living in poverty.

Strategic objective A.4. Conduct research in order to enable women to overcome

Actions to be taken

69. By Governments, intergovernmental organizations, academic and research
institutions and the private sector:

(a) Develop conceptual and practical methodologies for incorporating gender
perspectives into all aspects of economic policy-making, including structural
adjustment planning and programmes;

(b) Apply these methodologies in conducting gender-impact analyses of all
policies and programmes, including structural adjustment programmes, and
disseminate the research findings.

70. By national and international statistical organizations:

(a) Collect gender and age-disaggregated data on poverty and all aspects of
economic activity and develop qualitative and quantitative statistical
indicators to facilitate the assessment of economic performance from a gender

(b) Devise suitable statistical means to recognize and make visible the full
extent of the work of women and all their contributions to the national
economy, including their contribution in the unremunerated and domestic
sectors, and examine the relationship of women's unremunerated work to the
incidence of and their vulnerability to poverty.


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