On recentring women鈥檚 grassroots struggles to decolonise FinTech narratives

Drawing realised by artist Pawel Kuczy艅ski for Serena Natile’s book

I came to the study of fintech as a feminist socio-legal scholar researching the gender dynamics of South-South migration. While doing fieldwork in Kenya for my PhD in 2012, I came across M-Pesa, a mobile money service used by locals as an instrument for transferring money from urban to rural areas. From the start of my research in 2011 to the completion of my PhD in 2016, ongoing studies on M-Pesa were mainly celebratory. It was acclaimed as an innovative instrument for poverty reduction, development, and gender equality and was enthusiastically supported by donors and international financial institutions such as the World Bank and the International Monetary Fund (IMF), as well as by tech entrepreneurs and corporate philanthropy. Its success story was so uncontested that I decided to change my research question to focus on the gender dynamics of digital financial inclusion, rather than on my initial interest, migration.

The key narrative of M-Pesa鈥檚 success in terms of gender equality was, and still is, that it facilitates women鈥檚 access to financial services, providing them with a variety of opportunities to improve their own livelihoods and those of their families, their communities, and ultimately their countries. In the specific case of M-Pesa, a basic-mobile-phone-enabled money transfer service is considered more accessible and available than transferring money via mainstream financial institutions such as banks, and more reliable and secure than informal finance channels such as moneylenders or the handling of cash via rotating credit and savings associations (ROSCAs). This claim is based on three assumptions: first, that women have less access to financial services than men have; second, that women would use their access to finance to support not only themselves but also their families and communities; and third, that digital financial services are better than informal financial channels because they overcome the limits of cash, ensuring traceability and security. These assumptions motivated advocacy and investment in digital financial inclusion projects and the creation of ad hoc programmes and institutions, all strongly focused on the question of how digital technology can be used to facilitate women鈥檚 access to financial services.

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Is women鈥檚 access to land path dependent? Evidence from Punjab (Pakistan)

Women have historically been excluded from formal land rights in the Indian subcontinent. For its rural population, land remains the most prevalent and significant asset, making bequests of land parcels the main channel through which women can acquire land (Gazdar, 2003; Nelson, 2011; Agarwal, 1994).  Customary land rights prevented inheritance along gendered lines and in colonial times, these laws were codified to prevent the sale and purchase of land parcels (Nelson, 2011). To what extent and how have such gendered patterns of land ownership persisted in different areas of Punjab in Pakistan? To what extent is there path dependence in gendered land ownership? Those are the research questions I鈥檒l tackle in this blog post.

In 2015, the Government of Punjab introduced a series of reforms aimed at enforcing women鈥檚 existing legal land rights in the process of inheritance. One enforcement mechanism introduced was making it the responsibility of local revenue officials to ensure that after the death of a landed individual, each heir would be transferred their inherited share in the land parcel by revenue officials even if the family did not initiate an inheritance mutation process. In addition, paper-based land records originating from the era of British colonial rule were digitized and stored in a central database. The new system made it mandatory to conduct in-person biometric verification of all heirs (male and female) of the deceased for an inheritance mutation case to move forward with the official transfer of land parcels. The introduction of these enforcement mechanisms made an historically exclusive inheritance mutation process more inclusive towards women. But fieldwork suggests that previous patterns of land ownership continue to be repeated in Punjab putting women at a disadvantage. In this blog post I unpack some of these findings, which raise questions about land reform alone as the solution to gendered division of land ownership. Instead, I find that the manner in which old patronage structures interacted with the British colonial system has had lasting implications on the way in which land is distributed.

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Fieldwork as a Feminist Methodology in Economics

What is a feminist methodology? Academicians and scholars of gender and feminist studies have focused on feminist research methodology since the introduction of gender studies as a course in universities.Feminist methodology has developed as a result of several objections towards traditional positivist research. Theory and methodology can be seen to be closely interrelated in a wherein a feminist methodology can validate feminist theory and indicate the need for modifications. Many of the social sciences have theories that speak about human beings. But theory is rooted in reinforcing of experiences, perceptions, and beliefs of men. Even if women are being studied, the perspective and mode of the study have . As a result, research outcomes often end up justifying the status quo and the existing power relationships and myths about oppressed and other vulnerable communities. For instance, has tended to reproduce gender stereotypes by portraying behavior in the marketplace (considered to be men鈥檚 domain) as guided by rational pursuit of self-interest, and behavior in the household (seen as women鈥檚 domain) to be governed by altruism.

Photo: Women in rural Assam weaving a mekhela chadar, which the women use for their own consumption but also try to sell whenever possible. There is a thin line of separation between work and leisure for most rural women.

Traditional science, moreover, maintains that the researcher and the researched are in different spaces. Positivist social science research requires the researcher to be value-free, neutral, and uninvolved, thus, maintaining a hierarchical and non-reciprocal relationship between the research subject and the research object. describes women researchers in such situations to be trapped in a 鈥渟chizophrenic situation鈥, one where the researcher has to constantly repress, negate, or ignore her own experience of sexist oppression and have to maintain a so-called rational standard of the male-dominated academic world. Such an approach further hinders exploring areas like women鈥檚 perception of their own work, which have remained 鈥渉idden鈥 due to andocentric biases. Mies鈥 historic work on details such 鈥渉idden women鈥 through the example of official Census data. While her estimate of women lace makers was about 100,000 in the area, these women were not recorded in the official Indian census statistics of 1971. The 1971 Census enumerated only 6449 persons as being engaged in household industry in Narsapur taluk, making the 100,000 women 鈥渋nvisible鈥 despite the Census definition of the household industry covering exactly the type of work that these women did! Women workers, thus, remain invisible by official statistics by not including them as workers, even with abundant empirical evidence of their productive work. It is important to mention here that to conduct 鈥渙bjective鈥 quantitative research, one does not have to be detached and unconcerned about the topic. Having a strong opinion on women鈥檚 work being hidden or invisible historically does not necessarily mean that research decisions will be any more biased thanif those opinions are not held.聽聽

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Palestine and the Meaning of Global Antifascism

Photo: Courtesy of the Laura Rodig Brigade, Coordinadora Feminista 8M.

What is particularly harrowing about the current situation in Gaza not only has to do with the multiplication of war crimes and with the moral and ideological bankruptcy of a Western liberal order that seeks to obfuscate, by all means 鈥 media blackouts, censorship, stigmatization, blackmail, etc. 鈥 what is already patently clear for most. The resonances with the darkest side of 20th century fascism, in particular, are a clear warning sign. In the words of Israeli intellectual : 鈥淎s a historian whose field is the Holocaust and Nazism, it鈥檚 hard for me to say this, but there are neo-Nazi ministers in the [Israeli] government today. You don鈥檛 see that anywhere else 鈥 not in Hungary, not in Poland 鈥 ministers who, ideologically, are pure racists.鈥 Also, a recent essay by draws worrying parallels between the Israeli government and fascism in its specifically Nazi variant: virulent racism with biologicist overtones; political operations driven by a totalitarian mentality; contempt for weakness and lust for violence; homophobia and anti-intellectualism.

How to position ourselves in this situation? Or more specifically, what are the consequences that arise from the act of taking a stance? In recent weeks, the war between France and the Algerian National Liberation Front has been discussed as a relevant precedent for understanding the situation in Gaza, and Frantz Fanon as an important interpreter of the Algerian struggle for decolonization and national liberation. However, it is in the foreword that Jean Paul Sartre wrote for the 1963 French edition of The Wretched of the Earth where the ethical question of taking a stance (one of the most recurrent themes in the existentialist philosophy of the time) is powerfully posed. In this text, Sartre indicts the reader for his veiled complicity with colonial violence. In an accusatory tone whose stylistic construction is clearly designed to create discomfort, the author states that not taking sides and simply remaining silent is equivalent to siding with the aggressor. I often find it difficult to write in the first person. However, under the current circumstances I cannot bear to remain silent. I am also not clear about the register in which I should write these lines; what is clear, however, is that it is imperative for me to raise my voice against the genocidal violence and systematic dehumanization to which the Palestinian people are being subjected to.

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Why Palestine is a feminist and an anti-colonial issue

I am writing this short commentary to bear witness of the ethnic cleansing that is going on since 7 October. As I write this short text, over 13000 including 5000 children have been killed by Israel in Palestine (Gaza and the West Bank), many thousand people are missing under the rubbles and as many have been displaced from their homes. Twelve-hundred people have been reported to have been killed in Israel by Hamas, and over 200 people have been abducted by Hamas.

It is important to historicise the current genocide which many observers and Palestinians themselves have called the second Nakba. The People of Palestine have survived and continuously resisted seven decades of occupation and violations of their basic rights. Their genocide has taken many forms: occupation, waves of land and sea grabs, dispossession, expropriation, displacement, assassinations, sexual violence. The genocide we are witnessing did not start today. This violence has been going on for 41 days鈥nd 75 years. And it has continued because of the many green lights, or lack of reactions to the countless acts of violence that the Israeli apartheid state has inflicted for decades. But most importantly, the spree of violence started with hate speeches and with the slow and insidious dehumanisation of Palestinians through the routinisation of their deaths. A social death. Countless, faceless scores of fatalities, wounded, jailed, and displaced civilians have over the decades been buried under seconds-long reporting at the radio or on TV, paragraph-long accounting of loss of lives in newspapers.

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An acknowledgement of women鈥檚 work in economics – hits, misses, and a long road ahead

By and Surbhi Kesar

The Sveriges Riksbank Prize in Economic Sciences in Memory of Alfred Nobel 2023 was awarded to Claudia Goldin, professor of economics at Harvard University, for 鈥渉aving advanced our understanding of women鈥檚 labour market outcomes鈥. Goldin is now one of three women who have been awarded the prize, and, more importantly, this is the first time that the prize recognises research that makes a fundamental distinction between economic outcomes of men and women. Her work makes significant contributions to both the empirical and theoretical aspects of the theme, particularly in the context of the US.

Empirically, she applied innovative ways to unearth data for women鈥檚 labour market outcomes in the US at a time when the labour force surveys only collected this information for men. This allowed her to uncover the long-term trend of economic outcomes for women. Her work revealed that there was no linear relationship between economic growth and development and the women鈥檚 labour force participation. Instead, bringing together cross-country evidence and historical data, she empirically established a U-shaped relationship between women鈥檚 employment and economic growth. This implies that at low levels of economic growth, larger share of women tend to participate in the labour market, largely in agriculture. However, with economic growth and a sectoral shift away from agriculture, women鈥檚 participation faltered. Goldin argued that the 鈥渋ncome effect鈥 — the rise in household incomes alongside economic growth along with the increasing use of technology in agricultural activities — may explain women鈥檚 initial withdrawal from employment. However, beyond a certain level of economic growth, women鈥檚 participation rose as their education levels increased and as more white-collar emerged by replacing the factory jobs that are often stigmatised for women.

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The labor of land

Contemporary  and agricultural investments have generated huge attention. The transformations in land tenure, production and social reproduction in the aftermath of land rushes have generated a  . A central question is about , and its implications for structural transformation and .

Extraversion, exports and the labor question

In Senegambia, the intersecting pressures of food, land, and capital were historically linked to the quest for new labor and cash crops (cotton, then groundnut, followed by fresh fruits and vegetables) in frontier markets for Europe. Some of these transformations have been widely documented by Egyptian economist , Senegalese historian  and American historian . In 1819, the Ndiaw Treaty between France and the leaders of the Waalo Kingdom (in northern Senegal) was signed, allowing France to . This agricultural colonization project failed mostly because of the resistance of the inhabitants of the Waalo Kingdom (the Waalo-Waalo) and the inability of  French colonial leaders to secure land concessions they thought were automatically and permanently transferred to them through the treaty. The Waalo leaders, who managed the land on behalf of their community, understood otherwise. This conflicting interpretation on how land is governed became a recurrent source of conflict.

Another problem was the shortage of labor鈥攖he Waalo-Waalo refused forced labor and preferred to cultivate their subsistence crops rather than those for export. This refusal led to the return of clandestine slave trade and related abuses. The insecurity created by Waalo鈥檚 neighbors and the resistance of merchant capital added to the failure. These are key to understanding how various historical dynamics have sedimented to make the Senegal River Valley Region (historical Waalo) the site of the land rush that began in 2007-2008, especially for the production of export fresh fruits and vegetables.

Revisiting this rich history offers us a better understanding of relations of exploitation and contemporary resistance to  by a number of communities in this region. It is a reminder of the violence of primitive accumulation, a violence that is ongoing. Tanzanian historian  puts it well:

The early encounter of Africa with Europe was not commercial involving the exchange of commodities, but rather the unilateral looting of human resources. African slavery was neither a trade, nor a mode of production. It was simply a robbery of a people on a continental scale perpetrated over four centuries through force of arms.

Despite the subsequent attempt to develop new crops in 1826 in Saint-Louis, merchant capital eventually prevailed with the failure of agriculture. As a result, post-colonial leaders 鈥渋nherited a country organized by and for merchant capital鈥 after 1960 as  puts it. In the same vein,  note how merchant capital subsequently established colonial and post-colonial structures of extraction.

Beyond processes of land acquisition, it is important to pay attention to how land becomes capital and how agricultural workers are included, excluded, or rather  into these agri-food networks.For instance, in her 2011  on land grabbing in Southern Africa, Ruth Hall provides a useful typology of agricultural transformations from subsistence to capitalist imperatives. Besides models that are based on the displacement of primary producers and the establishment of large export-oriented agricultural estates, Hall emphasizes 鈥渃ommercialization in situ鈥 and 鈥渙utgrower鈥 schemes whereby petty commodity producers and other land users are incorporated into commercial value chains. This is a further invite to go beyond  in our analyses of the genealogy of  and of processes of exploitation.

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Layers of compounding pressure: the gendered experiences of rural migrant youth in Addis Ababa, Ethiopia

鈥淚 have lived everything there is to be lived in this city. Now I need to leave because all that is left for me here is misery and I want a better life for my child.鈥

It is with these words that Tizita, a 21-year-old mother-of-one from Gojjam in northern Ethiopia, described her dismay at life in Addis Ababa when I interviewed her in 2022. After living in the Ethiopian capital for eight years, she had had enough. Tizita was set on moving to one of the Gulf States, a part of the world from where many of the women she met on the street had returned from and were planning to re-migrate to. Having previously worked as a domestic worker in Addis Ababa, and having learnt that sex work was the only way to make 鈥real money鈥 in the city, the young woman remained focused on meeting the fundamental purpose of her migration project: transforming her life. 聽

For Fikadu, a 27-year-old man from Wollega in western Ethiopia, the strain of life in the city is similar, yet different. Unlike for young women like Tizita, whose income-earning activities are overwhelmingly limited to domestic work, petty street work, commercial sex work and begging, the fractions of the informal economy available to migrant men are slightly wider. Nevertheless, this is not to say that times have not been hard. Having previously worked as a street vendor selling second-hand clothes, Fikadu has had to downscale his work and is struggling to meet the rising costs of food, rent, sending money to his family of origin, and realising his plans for the future:  

Our supplies disappeared and when they were back, the price went up by more than double. That was the end of it. Now I pay for my life here by selling socks, but I don鈥檛 let that dismay me. I remain focused on my plans of transforming my life here, and once things improve I will start saving for my own metalwork shop.鈥 

The testimonies of Tizita and Fikadu form part of a longitudinal qualitative research project that maps the livelihood strategies of a sample of migrant youth in Addis Ababa at two points in time between 2018 and 2022. Drawing on these findings, this blog outlines some of the ways in which rural-urban migrant youth between the ages of 15-27 experience and counteract pressure. Through an exploration of migrants鈥 everyday strategies of navigating the city, findings presented here show how dealing with the intricacies of urban life relates intimately to the lives rural youth left behind and the imaginary futures they aspire towards, the ways in which youth relate to the social and economic responsibilities they carry, and the manner in which subjective pressure experienced by women and men has a compounding effect that further exacerbates the challenges migrant youth face.

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