In rural Andhra Pradesh in India, for example, women's cooperatives that emphasize thrift even more than credit have been effective in enabling women to take part in productive employment and engaging in microenterprises, such as retail shops.
例如在印度以农为主的安得拉邦，强调节俭甚至多于信贷的妇女合作社有效地让妇女参与生产性就业，经营例如零售店等微型企业。