The village-based microfinance approach Village Savings and Loan Associations (VSLAs) has been implemented in developing countries for three decades, and is found to be an effective tool in alleviating poverty and facilitating access to financial services in rural areas.  This study, done in collaboration with Vi Agroforestry, aimed to investigate the impact of VSLA activities on female empowerment in Rwanda, and more specifically, how women's access to and control over assets have been affected by VSLA participation. The term 'female empowerment' refers to the process by which women gain control and power over their own life situations and their ability to make strategic choices, that is, the capacity to turn choices into desired actions and outcomes.  A qualitative methodology has been used, where the main data collection consisted of six individual interviews with VSLA staff responsible for implementing, monitoring and evaluating VSLA groups in six different districts, and two focus group interviews with female VSLA participants in two different districts, carried out during April and May 2021.  The findings show that VSLA participation significantly accelerates the process of female empowerment in both household and community domains for women in Rwanda and that VSLA is an efficient first step in moving from a marginalised position in the society. However, women are still in many cases restricted from claiming all potential benefits from VSLA participation by structures that dictate normative gender roles and power structures. The findings highlight the importance of continued gender-related and financial training in order to further increase female access to and control over resources through VSLAs.

In the field of International Development, increased attention has been given to the concept of women’s empowerment as it has been recognized as a potential driver for change. Classified as a global struggle, commitments to this concept have been at the core of many development interventions, whether they be a small NGOs working in a single community or large-scale international aid agencies with presence all around the world. Despite its international recognition, women’s empowerment has been largely left unquestioned within development practices and especially with regards to the impact it may have on local beneficiary communities. This thesis will address how universal ideas such as this one become meaningful in the local setting through a case study of CARE-International’s Women’s Empowerment in Zanzibar project that was implemented from the years 2008-2011. In applying Sally Merry’s (2006) concept of vernacularization, as a theoretical framework, it will be shown that international aid organizations do not simply adapt women’s empowerment to the local arena. Instead, various local actors are involved in a dynamic process of translating, negotiating, and making the concept more meaningful to the beneficiaries and, thus, cause a new hybrid understanding of women’s empowerment to emerge. This new concept draws more extensively on local institutions, knowledge and practices that have been inter-weaved with Islamic practices which play an important role in the lives of Zanzibaris. This thesis will illustrate how NGO culture converges with and diverges from the local communities and expose the realities that exist within the greater development discourse.

In the field of International Development, increased attention has been given to the concept of women’s empowerment as it has been recognized as a potential driver for change. Classified as a global struggle, commitments to this concept have been at the core of many development interventions, whether they be a small NGOs working in a single community or large-scale international aid agencies with presence all around the world. Despite its international recognition, women’s empowerment has been largely left unquestioned within development practices and especially with regards to the impact it may have on local beneficiary communities. This thesis will address how universal ideas such as this one become meaningful in the local setting through a case study of CARE-International’s Women’s Empowerment in Zanzibar project that was implemented from the years 2008-2011. In applying Sally Merry’s (2006) concept of vernacularization, as a theoretical framework, it will be shown that international aid organizations do not simply adapt women’s empowerment to the local arena. Instead, various local actors are involved in a dynamic process of translating, negotiating, and making the concept more meaningful to the beneficiaries and, thus, cause a new hybrid understanding of women’s empowerment to emerge. This new concept draws more extensively on local institutions, knowledge and practices that have been inter-weaved with Islamic practices which play an important role in the lives of Zanzibaris. This thesis will illustrate how NGO culture converges with and diverges from the local communities and expose the realities that exist within the greater development discourse.