the evaluation of a pilot in india among about employees of garment factories the majority of whom were women indicated that after the programme women were less likely to report needing help using an atm had a better grasp of bank terminology and were more likely to report saving some of their income for personal needs most male employees already knew how to withdraw money and were already saving so their behaviour was less impacted than that of women findings also suggest positive results in terms of women s empowerment as women were also more likely to say that they decided how to allocate their salaries and were twice as likely to report discussing household spending decisions with family members ghuliani and goldenberg a random group of clients of india s largest women s bank sewa bank were invited to attend a programme including business counselling and basic financial literacy training field et al