Home loans or home loans usually operate in a female-to-female loan model. Women are not only more likely to use household credit, but are also more likely to work as a loan agent for the industry. However, this type of loan usually has a much higher interest rate than the mainstream credit form and can also be considered as potential exploitation.
This paper explores whether the policy and regulatory framework for household credit takes into account the feminist nature of the industry, thereby protecting the rights of key users of this type of credit for women. The findings underscore the gap between policies and the urgent need to empower women as financial consumers. Policy interventions, data collection and industry research need to be realigned to take gender into account and help empower women in financial markets.
This paper explores whether the policy and regulatory framework for household credit takes into account the feminist nature of the industry, thereby protecting the rights of key users of this type of credit for women. The findings underscore the gap between policies and the urgent need to empower women as financial consumers. Policy interventions, data collection and industry research need to be realigned to take gender into account and help empower women in financial markets.
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