Generate text that refutes this claim: Small is beautiful: community empowerment  Microfinance is empowering the communities that are using it - showing in development, small is beautiful. Communities are empowered to change their conditions. For example taking the case of savings - microfinance allows for savings. Half of the adults that saved in Sub-Saharan Africa, during 2013, used an informal, community-based approach (CARE, 2014). First, having savings reduces household risk. CARE is one of many organisations working in innovations for microfinance. At CARE savings have been mobilised across Africa by working with Village Savings and Loans Associations. Overtime, CARE has targeted over 30,000,000 poor people in Africa, to provide necessary finance. Savings ensures households have financial capital, can invest resources in education, health, and the future. Savings is security in livelihoods.  Second, microfinance is providing key skills. Oxfam’s Savings for Change Initiative provides training on savings, and lending, to women in communities in Senegal and Mali. Evidence from Mali indicates startup capital provided has ensured better food security, women’s empowerment in the financial decision-making of households, and crucially, a sense of community bond among the women (Oxfam, 2013). Gender based violence within households may also be reduced [1] .  [1] See further readings: Kim et al, 2007.
finance international africa house would provide access microfinance unbanked
One of the key benefits highlighted about Oxfam’s Saving for Change Initiative is the empowerment provided for women. Women are argued to be more independent, able to organise within communities, and provided with a voice of power. However, are women empowered?  In the cases of microfinance in Cameroon, Mayoux (2001) highlights the inequalities operating within community groups. The message is we cannot rely on communities, and social capital, for empowerment as women within such communities have different relations to power. The ability for women to use savings and credit for self-empowerment is limited by wider, traditional, gender inequalities. Microfinance may act to reinforce unequal power relations and positions within society.  Furthermore, women’s empowerment needs to be understood as complex. [1] Real, and strategic, empowerment for women goes beyond increased access to economic resources. So how can microfinance ensure true empowerment?  [1] See further readings: Sutton-Brown, 2013.