Professional Documents
Culture Documents
Kazakh
Women
Forging
New
Frontiers
in
the
Small
and
Medium
Enterprise
Sector
By
Imrana
Jalal*
Introduction
Kristina
Ganatauskayte
borrowed
from
the
Asian
Development
Bank
(ADB)-supported
Tsesna
Bank
to
develop
a
shoe
and
bag
business.
She
has
also
used
the
business
and
advisory
services
of
the
JSC
Damu
Entrepreneurship
Development
Fund
(DAMU),
the
small
and
medium
enterprises
(SME)
development
government
entity
supported
by
ADB,
to
obtain
valuable
business
advice.
She
employs
11
women
and
says
that,
due
to
the
large
number
of
female
clients
and
staff
I
have
established
a
rest
room
and
kitchen
to
specifically
cater
for
their
needs.
SME
owners,
are
diversifying
the
economy,
creating
new
jobs
and
opening
new
frontiers
for
Kazakh
women.
Sexual
stereotypes
traditionally
linked
to
women-led
SMEs,
are
being
dismantled
through
expanding
medical
centers,
providing
legal
notary
services,
importing
shoes
and
apparel,
running
a
stationery
and
a
printing
shop
with
state-of-the-art
digital
equipment,
and
managing
a
network
of
preschools
to
meet
market
demand.
Womens
domestic
and
care
burdens
are
also
being
addressed
through
the
establishment
of
a
modern
school
bus
company
to
take
children
to
school
and
home
while
preserving
childrens
safety
through
the
use
of
mobile
phones.
When
we
talk
with
our
partner
banks
in
the
program,
many
mention
that
womens
SMEs
are
amongst
their
best
clients,
says
Inmaculada
Martinez,
ADB
private
sector
development
specialist
and
team
leader
of
the
program,
after
a
recent
visit
to
SMEs
in
Almaty
and
Astana.
These
interventions
are
putting
money
into
the
hands
of
women
and
addressing
the
persistent
gender
gaps
in
the
labor
market
in
Kazakhstan.
The
gender
gap
in
the
labor
force
participation
rate
is
a
wide
28.5
%;
in
the
employment
rate
it
is
11.6%;
and
in
decent
work
(measured
by
the
gender
wage
gap)
it
is
a
high
32%.1
Women
in
Kazakhstan
also
work
at
least
2.7
hours
a
day
more
than
men
doing
mainly
unpaid
care
work,
limiting
their
economic
and
other
opportunities.2
Senior
Social
Development
Specialist
(Gender
and
Development),
ADB
with
inputs
from
Shanny
Campbell,
Senior
Social
Development
Specialist
(Gender
and
Development)
and
Inmaculada
Martinez,
Private
Sector
Development
Specialist,
ADB.
The
ADB-supported
Kazakhstan:
Small
and
Medium
Enterprises
Investment
Program
(Tranche
2)
is
the
second
in
a
multi-tranche
financing
facility
to
support
SME
lending.
This
program
was
designed
to
help
DAMU
continue
with
the
implementation
of
the
government's
action
plan
to
increase
access
to
medium
term
finance
for
SMEs.
Tranche
2
has
two
outputs
-
medium-term
financing
to
SMEs,
and
improved
financial
sector
outreach
with
a
focus
on
women
entrepreneurs,
and
was
thus
strongly
gender-targeted.
The
funds
are
disbursed
by
qualified
financial
intermediaries,
and
used
for
market-based
investment
and
working
capital
loans,
leases
and
other
financing
products
to
SMEs.
Designing
for
Gender
Equality
in
the
SME
sector
Like
earlier
tranches,
this
program
was
designed
Effective
Gender
Mainstreaming
(EGM)
under
ADBs
project
category
system.
Under
the
programs
Gender
Action
Plan
(GAP),
DAMU
was
to
continue
to
collect
sex-disaggregated
data
on
the
number
of
borrowers,
loan
accounts
opened,
new
jobs
created,
amount
of
loan
in
US$,
purpose
of
loan,
business
sector
of
borrowers,
and
to
analyze
the
data
semi-
annually
to
produce
monitoring
data
on
the
loan
type,
and
amount,
by
sex,
as
well
as
loan
performance
in
its
database.
DAMU
and
other
participating
financial
institutions
(PFIs)
were
to
target
at
least
24%
of
This
stationery
shop
now
has
state-of-the-art
digital
printing
borrowers
to
be
women
entrepreneurs,
equipment
so
in
addition
to
the
receipt
books
and
accounting
ledgers
they
now
produce
menus,
books,
glossy
magazines
and
against
a
baseline
of
10%.
posters.
DAMUs
outreach
activities
were
supposed
to
target
women
entrepreneurs
to
create
more
effective
demand
for
finance
and
raise
awareness
on
the
availability
and
terms
of
financing,
business
development
and
other
services;
to
analyze,
use
and
disseminate
the
results
of
the
survey
on
gender
issues
in
the
SME
sector
to
PFIs,
and
to
discuss
with
each
PFI
the
possibility
of
improving
products
(e.g.,
Working
Capital
Loans,
Term
Loans,
Equipment
Financing,
Letters
of
Credit)
and
services
(mobile
or
internet
banking)
for
women
entrepreneurs.
The
targets
included
ensuring
that
at
least
30%
of
all
applications
received
are
from
women
entrepreneurs
(baseline:
10%
in
2013),
and
at
least
one
feasible
action
agreed
by
each
PFI
to
engage
women
clients
by
the
end
of
December
2014.
Gender
Results
in
Care
Burdens
and
Womens
Economic
Empowerment
The
most
significant
indicator
in
the
GAP,
that
at
least
30%
of
applications
are
from
female
entrepreneurs
has
been
achieved,
with
over
33%
of
actual
borrowers
being
women
entrepreneurs
(target
24%).
In
a
recent
visit
to
eight
SMEs
in
Almaty
and
Astana,
Shanny
Campbell,
gender
specialist,
found
that
womens
SME
owners
tended
to
employ
mostly
women,
and
that
Even
in
men-owned
SMEs,
at
least
half
the
employees
are
women,
even
though
they
are
not
strongly
represented
in
the
technical
sectors.
3
She
also
found
that
the
womens
SME
businesses
encompassed
a
wide
and
varied
range
of
sectors
and
professional
occupations,
including
medical
centers,
a
chain
of
preschools,
a
legal
notary
service
and
a
footwear
and
clothing
importer
and
retailer.
Where
women
are
in
management,
Campbell
and
Martinez
were
informed
that
women
managers
preferred
to
hire
other
women,
for
example
in
human
resources,
as
lawyers,
line
managers
and
accountant,
because
women
are
more
organized
and
can
multi-
task.
Lyazzat
Ibragimova,
head
of
the
DAMU
fund
says
that
owing
to
the
success
of
borrowing
by
female
SME
owners,
lending
to
women
will
be
increased,
Now
the
percentage
of
women
entrepreneurs
involved
in
the
programs
for
financial
support
of
the
Fund
(DAMU)
is
33%.
The
company
plans
to
increase
the
Lyazzat
Ibragimova,
Head
of
the
percentage
of
women
entrepreneurs,
who
receive
state
support,
JSC
Damu
Entrepreneurship
up
to
at
least
50%.
Development
Fund
In
the
post-Soviet
era,
Kazakh
women
were
hit
particularly
hard
by
the
dismantling
of
a
sophisticated
heavily
subsidized
state-supported
child
care
system
of
nurseries,
which
saw
droves
of
women
abandon
the
paid
work
force
to
care
for
small
children
at
home.
Womens
labor
force
participation
rate
fell
from
over
89%
during
Soviet
times,
to
around
65%
currently.4
For
example,
700,000
women
left
the
paid
work
force
in
a
five-year
period
(19891994)
and
preschool
nursery
enrollment
fell
from
52%
to
28%.
SMEs
which
directly
support
womens
care
burdens
have
a
significant
impact
on
the
potential
for
improving
womens
labor
force
participation
and
economic
empowerment,
as
the
employability
of
women
is
strongly
influenced
by
the
existence
of
child
care
options.5
Safe
transport
which
carries
children
to
and
from
school,
and
kindergartens
are
two
such
categories
of
SMEs.
Conclusion
Other
activities
in
the
GAP
are
being
slowly
implemented
and
appear
to
be
capable
of
being
finished
by
the
project
end.
Under
ADBs
tracking
system
which
measures
completed
projects
at
the
project
completion
stage
for
successful
gender
equality
results,
the
project
appears
be
generally
on
track
to
ensure
implementation
of
70%
of
the
GAP
activities
and
the
achievement
of
75%
of
GAP
targets.
The
employment
of
women
in
Kazakhstan
is
critical
as
it
is
elsewhere
in
developing
Asia.
Their
involvement
is
essential
to
inclusive
economic
growth.
Womens
employment
improves
efficiency
and
increases
the
possibility
of
better
spending
on
childcare,
health
and
education.
Simply
put,
money
in
the
hands
of
women
is
often
better
spent,
as
women
tend
to
place
more
emphasis
on
the
well-being
of
their
families,
more
so
than
men.6
Increasing
womens
participation
in
the
SME
sector
in
Kazakhstan
is
important
not
only
for
the
countrys
broader
economic
development
but
also
for
womens
confidence
and
economic
empowerment,
as
well
as
overall
gender
equality.
1
ADB. 2013. Gender Equality and the Labor Market: Cambodia, Kazakhstan, and the Philippines. Manila.
6
2