Introduction:
20. In addition to expanding their economic opportunities in later life, higher enrolment rates for girls delay marriage and can thus lower the number of children a woman has, therefore enabling more women to seek employment with higher incomes. Low levels of education and early marriage create a vicious cycle in which women have many children and thus reduced opportunities for improving their education and seeking employment outside the home. Higher levels of education means women can take control over their fertility and be able to make informed decisions in terms of their sexual health and family planning, resulting in fewer children and improved economic opportunities.27

34. The third area is finance. Microcredit schemes often target rural women specifically, who, even more than men, face obstacles in accessing credit. However, far more could be done. First, improved access to loans for rural women does not necessarily imply that women will control the use of the loans. Some microfinance programmes directed at women have been assessed to be successful in increasing the participation of women in decision-making within the household, particularly as regards family planning and the children‟s education, and other members of the household have sometimes assumed a greater share of the housework since women who benefit from a microcredit programme tend to spend more time on their businesses and contribute more to the household income

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