Lakwo discovered that microfinancing gave the women concerned more money and knowledge, but no real independence. However, the benefit gained is nothing compared to the material progress made by other women because, for example, they gained access to more ground, cattle or (agricultural) machinery.
Lakwo states that microfinancing makes a clear contribution to the emancipation of women when it comes to acquiring comparable positions and rights to men, within a marriage relationship or emancipation at an individual level. According to him, policy makers should realise that this is not the same as creating independent 'macho' women, a western outlook on the emancipation of women. They also need to match microcredit programmes to the local situation and needs. This would enable a good infrastructure for microfinancing to be built up and the target group would become involved in the policy. At present that scarcely happens.