Critiques of Microcredit Claim That It Has Replaced Social Networks

Multiple Choice

Critiques of microcredit claim that it has replaced social networks of survival with "empowerment debt" which has proven to be a double-edged sword because ______.

A) it created new dependencies reflecting gender and class inequalities
B) loans often are used to meet daily consumption needs
C) there are intergenerational effects of the debt, with young girls taken out of school to make loan payments
D) it exploits the middle class to support loans for the poor.