“Women hold up half the sky”, the Chinese saying goes. But we need to recognize that it is not an equal world for women, globally and in India.

Formal financial institutions (FFIs) in a developing economy often fail to meet the loan requirements of the poor. It is frequently stated that the poor are non bankable. Given this, several models and structures have emerged for making them bankable.

First, on the basis of primary data collected in a rural setting in the State of Orissa, an attempt has been made in this paper to compare the socioeconomic status of male- and female- headed households.