This collection of essays compares and discusses women's participation and experiences in credit markets in early modern Europe, and highlights the characteristics, common mechanisms, similarities, discrepancies, and differences across various regions in Europe in different time periods, and at all levels of society. The essays focus on the role of women as creditors and debtors (a topic largely ignored in traditional historiography), but also and above all on the development of their roles across time. Were women able to enter the credit market, and if so, how and in what proportion? What was then the meaning of their involvement in this market? What did their involvement mean for the community and for their household? Was credit a vector of female emancipation and empowerment? What were the changes that occurred for them in the transition to capitalism? These essays offer a variety of perspectives on women's roles in the credit markets of early modern Europe in order to outline and answer these questions as well as analysing and exploring the nature of women, money, credit, and debt in a pre-industrial Europe.

A transformative look at colonial women's pivotal roles as lenders and debtors in shaping the economic and legal systems of Newport and Boston. Winner of the Berkshire Women Historians Book Prize by the Berkshire Conference of Women Historians In colonial Boston and Newport, personal credit relationships were a cornerstone of economic networks. During the eighteenth century, the pace of market exchange quickened and debt cases swelled the dockets of county courts, institutions that became ever more central to enforcing financial obligations. At the same time, seafaring and military service drew men away from home, some never to return. The absences of male household heads during this era of economic transition forced New Englanders to evaluate a pressing question: Who would establish and manage consequential financial relationships? In To Her Credit, Sara T. Damiano uncovers free women's centrality to the interrelated worlds of eighteenth-century finance and law. Focusing on everyday life in Boston, Massachusetts, and Newport, Rhode Island—two of the busiest port cities of this period—Damiano argues that colonial women's skilled labor actively facilitated the growth of Atlantic ports and their legal systems. Mining vast troves of court records, Damiano reveals that married and unmarried women of all social classes forged new paths through the complexities of credit and debt, stabilizing credit networks amid demographic and economic turmoil. In turn, urban women mobilized sophisticated skills and strategies as borrowers, lenders, litigants, and witnesses. Highlighting the often-unrecognized malleability of early American social hierarchies, the book shows how indebtedness intensified women's vulnerability, while acting as creditors, clients, or witnesses enabled women to exercise significant power over men. Yet by the late eighteenth century, class differentiation began to mark finance and the law as masculine realms, obscuring women's contributions to the very institutions they helped to create. The first book to systematically reconstruct the centrality of women's labor to eighteenth-century personal credit relationships, To Her Credit will be an eye-opening work for economic historians, legal historians, and anyone interested in the early history of New England.

The active role of women in the labor force is not limited to recent decades, or even to the last century. As William Chester Jordan amply demonstrates in Women and Credit in Pre-Industrial and Developing Societies, women in premodern times played an integral part both as a source of labor and as participants in lending and borrowing. In this wide-ranging and provocative study, the author assesses the overall significance of women's work in medieval and early modern Europe, and in colonial and postcolonial societies. While earlier studies have concentrated on women in agriculture or craftwork, Jordan investigates consumption lending and borrowing among women in the European Middle Ages, female investment in early modern Europe, and, in a final section, the role of African and Caribbean marketwomen and their provision of and access to credit. By viewing the historical situation, Jordan sheds light on contemporary concerns about commercialization, the transformation of rural society, and industrialization. He provides a historical and comparative context for some of the current issues that plague the twentieth-century female work force. By understanding the role of gender in such an important aspect of traditional life as credit relationships, Jordan advances an ongoing reexamination of the issue in general. This work will be of interest to students and scholars of medieval and early modern European, African, and Caribbean history; anthropology; and women's studies.

Between 1888 and 1930, African Americans opened more than a hundred banks and thousands of other financial institutions. In Banking on Freedom, Shennette Garrett-Scott explores this rich period of black financial innovation and its transformative impact on U.S. capitalism through the story of the St. Luke Bank in Richmond, Virginia: the first and only bank run by black women. Banking on Freedom offers an unparalleled account of how black women carved out economic, social, and political power in contexts shaped by sexism, white supremacy, and capitalist exploitation. Garrett-Scott chronicles both the bank’s success and the challenges this success wrought, including extralegal violence and aggressive oversight from state actors who saw black economic autonomy as a threat to both democratic capitalism and the social order. The teller cage and boardroom became sites of activism and resistance as the leadership of president Maggie Lena Walker and other women board members kept the bank grounded in meeting the needs of working-class black women. The first book to center black women’s engagement with the elite sectors of banking, finance, and insurance, Banking on Freedom reveals the ways gender, race, and class shaped the meanings of wealth and risk in U.S. capitalism and society.

In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.

In Making Women Pay, Smitha Radhakrishnan explores India's microfinance industry, which in the past two decades has come to saturate the everyday lives of women in the name of state-led efforts to promote financial inclusion and women's empowerment. Despite this favorable language, Radhakrishnan argues, microfinance in India does not provide a market-oriented development intervention, even though it may appear to help women borrowers. Rather, this commercial industry seeks to extract the maximum value from its customers through exploitative relationships that benefit especially class-privileged men. Through ethnography, interviews, and historical analysis, Radhakrishnan demonstrates how the unpaid and underpaid labor of marginalized women borrowers ensures both profitability and symbolic legitimacy for microfinance institutions, their employees, and their leaders. In doing so, she centralizes gender in the study of microfinance, reveals why most microfinance programs target women, and explores the exploitative implications of this targeting.

In a changing world, how can we be sure that women as well as men entrepreneurs and workers obtain the benefit from these changes? Ensuring that women have the same legal opportunities as men is one part of the picture. By measuring where the law treats men and women differently, Women, Business and the Law shines a light on how women's incentives or capacity to work are affected by the legal environment and provides a basis for improving regulation. The fourth edition in a series, Women, Business and the Law 2016: Getting to Equal examines laws and regulations affecting women's prospects as entrepreneurs and employees in 173 economies, across seven areas: accessing institutions, using property, getting a job, providing incentives to work, building credit, going to court, and protecting women from violence. The report's quantitative indicators are intended to inform research and policy discussions on how to improve women's economic opportunities and outcomes.

As a leading historian of women, Linda K. Kerber has played an instrumental role in the radical rethinking of American history over the past two decades. The maturation and increasing complexity of studies in women's history are widely recognized, and in this remarkable collection of essays, Kerber's essential contribution to the field is made clear. In this volume is gathered some of Kerber's finest work. Ten essays address the role of women in early American history, and more broadly in intellectual and cultural history, and explore the rhetoric of historiography. In the chronological arrangement of the pieces, she starts by including women in the history of the Revolutionary era, then makes the transforming discovery that gender is her central subject, the key to understanding the social relation of the sexes and the cultural discourse of an age. From that fundamental insight follows Kerber's sophisticated contributions to the intellectual history of women. Prefaced with an eloquent and personal introduction, an account of the formative and feminist influences in the author's ongoing education, these writings illustrate the evolution of a vital field of inquiry and trace the intellectual development of one of its leading scholars.