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Exploring the Sustainable Development Goals

Empowered Women Change
the World

March 23, 2017 // by Allison Kooser

The question is: why? | The Need is Great | The Impact is Significant | The Ripple Effect Changes the World | Opportunity's Response | Empowered Women: The Secret Weapon


For those of us working in and supporting international development initiatives, we know that investing in and empowering women and girls is popular and ubiquitous. It is no surprise to us that the Sustainable Development Goals include not only gender-specific actions and statistics, but also an entire goal dedicated to gender parity.

The fifth Sustainable Development Goal is bold, broad and important. It challenges the world to: “Achieve Gender Equality and Empower All Women and Girls.”1

It’s a goal that I, as a woman, believe in wholeheartedly. And it’s one that seems to be particularly relevant as women and men are rallying for more equal rights, from wage disparities to family leave policies.

It’s a goal that motivates Opportunity International’s work as well—we are proud that 9 out of 10 clients are women, and with our tools and training, they are working their way out of poverty.

It seems that the development world generally agrees: it’s a good idea to invest in and empower women and girls. Opportunity International agrees, and I agree personally, too.

The question is: why?

Clearly, there are the immediate issues of parity, equal treatment and human rights. These go without saying and surely provide enough justification for women-centric programming in and of themselves.

These are the factors that shape Sustainable Development Targets such as, “Eliminate all forms of violence against all women and girls in the public and private spheres, including trafficking and sexual and other types of exploitation.”2 We fight for goals like this if for no other reason than it’s the right thing to do. Women deserve fundamental human rights, and the Sustainable Development Goals highlight this human responsibility to treat one another with respect and honor.

But beyond simple human decency, there are other factors at play that make gender equality such a significant priority for those working in development around the world.

As it turns out, women are one of the most powerful investments we can make in building a better future.

The Need is Great

Between the initiation and completion of the original Millennium Development Goals from 2000 to 2015, the world made significant progress toward gender equality. But despite ongoing initiatives designed to target major issues like education inequality, access to health care, job creation and equal pay, women still face notable (and measurable) disadvantages.

These inequalities provide the impetus for change. They illustrate the needs that continue to present themselves, and the challenges that remain despite improvements over the past three decades. 

Imagine you are a girl born in the developing world.

From childhood, you will face hurdles that will hinder your education, development and advancement. Because your family has limited resources, when it’s time for you to start school, your parents decide to educate your brothers instead of you—a reality in the 30% of countries still fighting for gender parity in primary school. Because you don’t go to school, you don’t learn to read and write, making you one of the 781 million illiterate women around the world.3

As you grow, because you are home more often than your brothers, you are given a disproportionate share of the household chores and responsibilities—tasks like walking miles for water and caring for younger siblings. When a man approaches your family requesting marriage your parents oblige, and you are now one of the 37,000 girls under age 18 to get married that day. There will be 37,000 more the next day, and the day after that. 

Without access to adequate family planning, contraception or health care, you get pregnant early. Because only half of pregnant women in sub-Saharan Africa have access to prenatal care, you face an unmonitored pregnancy, made more complicated by trauma or mutilation you may have suffered earlier in life.4 Thankfully, you give birth to a healthy baby despite limited medical care, but now you need to support not only yourself, but this new life as well. 

If you are lucky, you might find a job that empowers you to support your family. But even then, you are at a disadvantage compared to your male counterparts. Women in sub-Saharan Africa, on average, earn 35% less than men for equal work.5 Women are also much less likely (26% less) to be employed than men, and for those who do find work, 75% of it is in the informal economy, leaving women unprotected in cases of theft, sexual harassment and discrimination.6

More likely, you will remain at home, responsible for a majority of household tasks and unpaid work such as childcare. Women in the developing world spend three times longer on household responsibilities than men, amounting to $10 trillion worth of unpaid labor.7

Yet despite your prominent role in the home, you may not have any control over household spending. About one third of married women in the developing world have no control over major household purchases, making them passive observers of their own wellbeing. And chances are high that you not only lack autonomy within your home, but you are also entirely excluded from the formal financial sector. Women living on less than $2 per day are 28% less likely to have a formal bank account than men living in extreme poverty8.

Because you are living in poverty in the developing world, you are probably living in a rural region where you are dependent upon agriculture to survive. Already removed from the formal economy and financial sector, you also don’t have your own cell phone—the device that connects you to the broader economy and world. Women are 14 percent less likely than men to own a mobile phone (200M fewer women than men), which is particularly problematic for rural workers who rely upon these devices for banking and other mobile services.9                                                  

Meanwhile, you are disadvantaged on the farm itself. Despite making up 43% or more of the agricultural labor force (up to 60% in countries like Mozambique), women like you don’t actually own the land on which they work. In sub-Saharan Africa, where women make up about half of agricultural laborers, they only control 15% of agricultural land holdings.10

Because you are a woman, you face systemic, cultural and legal issues, and as a result are more likely to lack access to essential agriculture value chain services, including connections to suppliers of quality inputs, like seed and fertilizer, extension service providers, and off-takers who purchase crops a fair market value. Due to these constraints, you, and women smallholder famers like you, produce 20-30% less than your male counterparts.11  

You return home after a long day on the farm to a house full of children—children who will face the same struggles you faced today, and the same struggles your mother faced years ago. How do I feed my family? How do I educate my kids? How do I choose who goes to school and who doesn’t?

And the cycle starts all over again.

This is how women remain excluded—from education, from the formal economy, from banking, from equal rights. Despite working tirelessly, women face hurdle after hurdle, amplified by their geography and generational norms.

Without opportunities to break free from this cycle, women are trapped in a life that they may not have ever chosen—a life that disadvantages not only themselves, but their families and their communities, too. 

The Impact is Significant

In light of the litany of challenges women continue to face around the world, it’s no surprise that so many organizations and policies have attempted to address the needs of women and girls. What is perhaps more surprising is the larger-scale impact that these initiatives have.

Programs addressing women’s education and economic empowerment are not only beneficial from a human rights perspective, but they are transformative economically as well. Statistically, every additional year of primary school boosts girls’ future wages by 10-20 percent, and each extra year of secondary school increases earning by 15-25 percent.12

When girls stay in school, they live longer, healthier lives, marry later, have fewer children, and drastically increase their future incomes. If all girls had a secondary school education, there would be two-thirds fewer teenage pregnancies, and women would have fewer children overall.13 And a child born to a mother who can read is 50 percent more likely to survive past age five.14 If a girl in the developing world gets seven or more years of education, she marries four years later and has 2.2 fewer children than her uneducated sisters.15 

Girls’ education also plays a role in curtailing other public health crises. Between 800 and 1,500 women die each day from preventable causes related to pregnancy and childbirth, including bleeding, infections, hypertensive disorders and obstructed labor – preventative problems that make up about 80 percent of maternal deaths worldwide.16 Educated women are far more likely to seek skilled birth attendants and prenatal care, reducing maternal and infant mortality. If all women complete primary education, maternal mortality would fall 66%—from 210 to 71 deaths per 100,000 births.17 A study in Zambia found that “AIDS spreads twice as fast among uneducated girls than girls who have access to education. Young rural Ugandans with secondary education are three times less likely to contract HIV.”18 And educated mothers are more prepared to prevent common causes of death for children under 5, including pneumonia and malaria, which would save an estimated three million lives.19

Beyond saving lives and increasing personal earning potential, investing in education and economic empowerment for women can benefit entire economies. Statistically, “Investing in programs improving income-generating activities for women can return $7 for every dollar spent.”20 One study in Kenya showed that if female farmers had access to the same education and resources as male famers, crop yields would increase by 22 percent.21 In Ghana alone, the gender wage gap shrinks from 57% for women with no education to 16% for women with a secondary school education.22 And globally, women own 40% of the world’s informal small to medium-sized enterprises (SMEs) and 33% of formal SMEs—70% of which are largely underserved in terms of access to credit. The estimated credit gap amounts to $285 billion—if closed, the per-capita GDP in developing countries could increase by 12% by 2030.23

And this significant impact is not limited to the developing world. “It is estimated that if women’s paid employment rates were increased to the same level as men’s, the U.S. GDP would be 9 percent higher; the euro area’s would be 13 percent higher, and Japan’s would be 16 percent higher.”24

The Ripple Effect Changes the World

Earlier this year, Bill and Melinda Gates wrote a letter to Warren Buffett highlighting some of the major insights they have discovered over their years investing in the developing world and building the Bill & Melinda Gates Foundation. In it, they wrote, “All lives have equal value is not just a principle; it’s a strategy. You can create all kinds of new tools, but if you’re not moving toward equality, you’re not really changing the world. You’re just rearranging it. When women have the same opportunities as men, families and societies thrive. Obviously, gender equity unleashes women’s potential, but it also unleashes men’s potential.”25

And this is the true secret of investing in women.

Every investment that empowers a woman sparks a ripple effect that influences not only her life, but the lives of her family and community, too.

As Sheryl WuDunn writes in Half the Sky, “When you educate a girl, there is a ripple effect that goes beyond what you would get from a normal investment…When you educate a girl, you educate a village.”26

Statistically, women reinvest much more of their incomes into their families to directly benefit their children.27 Because they more commonly hold roles within the household, women are often responsible for funding their children’s educations, preparing healthy food, and accessing medical care for their kids. Women are driving and equipping the next generation—the generation that might break free from extreme poverty.

Through my own work with Opportunity International, I have had the honor of interviewing hundreds of women in various corners of the world—from villages in Latin America to slums in Asia to rural communities in Africa. And without fail, every woman, regardless of geography or circumstance, will answer one question the same way.

When I ask what their dream for their future is, every woman will say: “I want my kids to go to school.”

Universally, family is the top priority—and women are working to ensure their families’ futures. 

This intrinsic—and measured—drive to pay it forward is the hidden value of investing in women. It’s why organizations get so excited about policies and initiatives targeting women. Because they know that when you empower a woman, you empower a family. You unlock a wave of potential that will have a multiplying, generational legacy.

Opportunity’s Response

This understanding of the value of investing in women and girls has shaped Opportunity’s own strategies, tools and programs. Because we know that empowered women are key to ending extreme poverty, Opportunity is focused on providing tools and training that equip and empower women to thrive.

We make it possible for more girls to go to—and stay in—school through our Education Finance initiatives. 

We provide equal access to farming inputs and agricultural tools through our Agriculture Finance program.

We connect women who have been excluded from the formal economy to savings accounts and small loans through Trust Groups, which provide them with a network of support to earn a stable income and improve their livelihoods.

We leverage and increase access to technology so that even the most rural women can be a part of the global economy 

We promote women’s health through education and partnerships with community health organizations, helping women and their babies live healthy, fulfilling lives.

Ultimately, we include women whose lives have been defined by exclusion. We provide access to the formal economy, to much needed tools and training and to financial services and education. And in so doing, we connect women to the world around them, giving them opportunities that were previously unimaginable. Because we know that women, when empowered, will change the world. 

Empowered Women: The Secret Weapon

And so it appears that the Sustainable Development Goals are onto something. Not only because women are people and deserve equal rights for that simple fact alone, but also because investing in and empowering women unlocks a flood of potential for the whole world. Women are a secret weapon in the fight against global poverty. They are an often-untapped resource that has the potential to improve livelihoods, economic outputs, productivity, and human life itself. 

As former UN Secretary Kofi Annan famously said, “Promoting gender equality is not only women’s responsibility – it’s the responsibility of all of us.”28

No wonder we are all so excited about empowering women: they are one of the most powerful tools we have.


Allison is a professional storyteller, freelance writer, and avid traveler. She spent the last year backpacking around the world meeting and interviewing incredible people with remarkable stories, eating amazing food, and climbing very scary mountains. Now, she lives in Chicago where she runs a small business helping nonprofit organizations identify, create, and share their stories, equipping them to better do the work they were born to do. When she's not working, you can usually find her reading a book, planning her next trip, or baking the best cookies on the planet.


Keep Reading our Sustainable Development Goal Series

Feeding the Future: Ending Global Hunger

The majority of those struggling with hunger live in rural regions where they depend upon agriculture to survive. Because of the critical role hunger and nutrition play in both the lives and livelihoods of those living in poverty, it is no surprise that Sustainable Development Goal 2 addresses this critical topic: “End hunger, achieve food security and improved nutrition, and promote sustainable agriculture."

 Read More


1http://www.un.org/sustainabledevelopment/wp-content/uploads/2016/08/5_Why-it-Matters_GenderEquality_2p.pdf
2http://www.un.org/sustainabledevelopment/wp-content/uploads/2016/08/5_Why-it-Matters_GenderEquality_2p.pdf
3https://unstats.un.org/unsd/gender/downloads/worldswomen2015_report.pdf
4https://unstats.un.org/unsd/gender/downloads/worldswomen2015_report.pdf
5http://www.womenseconomicempowerment.org/assets/reports/UNWomen%20Full%20Report.pdf
6United Nations, 2016. 
7United Nations, 2016.
8United Nations, 2016.
9United Nations, 2016. 
10 FAO, 2011. “Women in Agriculture: Closing the Gender Gap for Development” 
11 FAO, 2011. 
12Half the Sky Fast Facts, http://www.halftheskymovement.org/page/-/fastfacts.pdf
13UNESCO, 2013. “Education Transforms Lives”
14Half the Sky Fast Facts 
15ONE, 2016. https://www.one.org/us/2015/02/26/why-women-and-girls-are-the-secret-weapon-in-ending-poverty/
16Half the Sky Fast Facts 
17UNESCO, 2013 
18Half the Sky Fast Facts 
19UNESCO, 2013 
20Gender Equality, Why it Matters, 2016. 
21Half the Sky Fast Facts 
22UNESCO, 2013. 
23Women’s World Banking, 2015. “Women’s Financial Inclusion: A Driver for Global Growth.” http://www.womensworldbanking.org/publications/womens-financial-inclusion-driver-global-growth/
24Half the Sky Fast Facts 
25Gates Annual Letter, 2017. https://www.gatesnotes.com/2017-Annual-Letter
26Half the Sky Fast Facts 
27Clinton Global Initiative. 
28Commission on the Status of Women, 2005. http://www.un.org/press/en/2005/sgsm9738.doc.htm

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