ROLE
ROLE
Mini Project II
Submitted
Submitted By
Adarsh Singh
Title page
Certificate
Declaration
Copyright Transfer Certificate
Acknowledgment
Table of Contents
List of Tables
List of Figures
List of Abbreviations
Abstract
CHAPTER 1 INTRODUCTION
1.1 Introduction of the Study
1.2 Microfinance and Women Empowerment
1.3 Statement of the Problem
1.4 Need of the Study
1.5 Scope of the Study
1.6 Objectives of the Study
1.7 Hypothesis
1.8 Organization of Thesis
CHAPTER 2 DESIGN THINKING
2.1 Definition of Microfinance
2.2 Meaning of Microfinance
2.3 Origin and Evolution of Microfinance
2.4 Features of Microfinance
2.5 Terminology
2.6 Model of Microfinance Delivery in India
2.7 Legal Structure of MFI’s
2.8 Evolution of Microfinance in India
2.9 Micro Finances Global Figures
2.10 Current Scenario of Microfinance: India
2.11 Current Scenario of Microfinance: Uttar Pradesh
CHAPTER 3 ASSESSING CREATIVITY OR DESIGN THINKING?
3.1 Introduction
3.2 Empowerment
3.3 Microfinance and Women Empowerment International Evidences
3.4 Microfinance and Women Empowerment Indian Evidences
3.5 Summary Review of Literature
3.6 Research Gap
CHAPTER 4 DT IN EDUCATIONAL CONTEXTS
7.1 Conclusion
7.2 Limitations
INTRODUCTION
Design Thinking (DT) Defined According to the commonly cited Stanford d.school model
(e.g., Melles et al., 2012; Plattner et al., 2009), the DT process includes five stages:
empathize, define, ideate, prototype, and test. This process underlines how designers
should first empathize with the user of the final product or service to ensure that the
design process is fuelled by human needs. By defining the problem, imagining solutions,
and testing them, designers can ensure they meet the users’ needs rather than
addressing another extraneous purpose. Importantly, the cornerstone of the DT process
is its iterative nature, such that all stages can be repeated or returned to at any time until
the design is fully optimized. This characteristic flexibility promotes interaction among
different disciplines like science, business, and engineering, and creates a learning
environment that facilitates fast-paced iteration and prototyping (Plattner et al., 2009). In
addition to the five fundamental stages of DT, there are four guiding DT principles
delineated in Plattner et al. (2009). First, it should be recognized that all design is
governed by the need to satisfy the user, also known as a human-centric approach to
design. Second, designers should maintain some sense of ambiguity when designing so
that alternative solutions and perspectives remain possible. Third, all designs should be
subject to continued iteration so that products or services reliably meet people’s needs.
Fourth, those using a DT approach should strive for ideas and prototypes that are tangible.
As these principles suggest, DT aims to meet the practical needs of human beings while
constantly monitoring for adaptations and modifications.
DT is historically rooted in industrial design and engineering, it has more
recently been of interest to those in a wide range of professions, including design in
dustries and emerging technologies (Adams & Nash, 2016; Brown, 2008; Martin, 2009;
Rotherham & Willingham, 2009). In industry, definitions of the DT process support those
put forth by the Stanford d.school and Stanford scholars. Demonstrating continuity across
education and industry contexts, Schmiedgen et al. (2016) asked participants from dif
ferent organizations to define DT. Participants’ responses included several criteria in line
with the d.school’s DT process. For example, participants described DT as (1) an iterative
process; (2) a “special” way of understanding and creatively solving problems; (3) an
empathetic process; (4) a collaborative tool; (5) a mindset; (6) a toolbox for user research
and group creativity; (7) a way to prototype; and (8) a culture. Notably, in addition to
identifying these defining criteria, the majority (71%) of participants also reported that
DT had a positive impact in their workplace. These are intriguing findings given that DT
is seldom measured. Only 24% of organizations assessed by Schmiedgen et al. in their
study (2016) indicated measuring the effects of DT at all. Given the scarcity of research
assessing DT, one purpose of the present work was to gain insight about a potential
framework for assessing DT in education.
Assessing Creativity or Design Thinking?
Some previous research has examined students’ and educators’ experiences with
DT in the classroom. One study assessed how students and instructors responded to
implementation of a design curriculum in a middle school geography classroom (Carroll
et al., 2010). Over 12 hours of in-class time, students completed various activities relat
ed to the different stages of the DT process, including empathizing and prototyping. As
students completed activities, the researchers recorded students’ progress and educators’
impressions. Three major themes emerged across student and educator data: (1) the DT
process was characterized by exploration; (2) the DT process elicits positive mood and
collaboration; and (3) the DT process can be applied to curriculum content across disci
plines. Educators’ responses also indicated that one of the greatest strengths of DT is that
it gave students the opportunity to express themselves at each stage of the process. In all,
this study highlights the critical role of educators in successfully integrating DT into the
classroom and connecting DT principles to curriculum content.
IN ANOTHER RELEVANT STUDY
In another relevant study, 17 DT experts (e.g., d.school teaching faculty from the
US and Germany) were interviewed about what they hoped to achieve by implementing
DT in their classrooms (Rauth et al., 2010). Overall, educators concurred that DT was a
toolbox from which they could draw different skills and subjects to solve problems. They
also reported that one goal of teaching with DT was to influence students’ behaviour,
such
that learners would move away from a more traditional, project-based mindset to a more
flexible, creative mindset that promotes iteration. Notably, educators reported
combining
knowledge from their previous professional backgrounds (i.e., as teachers, as administra
tors, in business) with DT to supplement the learning process. Such integration of previ
ous knowledge with DT could support the transition into using DT in practice and make
applying DT seem feasible in real-life situations and relevant across different subjects.
Arguably, there are several advantages to integrating DT into classrooms.
For example, DT may present opportunities to explore novel learning and teaching 06
environments, develop contextually-based theories of learning and teaching, advance de
sign knowledge, and increase students’ capacity for innovation (Design-Based Research
Collective, 2003). Thus, there is great potential for integrating DT into learning and to
support better understanding of educators’ experiences with DT in the classroom. Despite
the immense value in exploring educators’ experiences working with DT, little previous
research has assessed these experiences. The present study, therefore, was designed to
be
a first step toward advancing and merging knowledge from education research and
design
research to address two main research questions: How do educators understand the DT
process? How do educators see DT fitting into their classrooms?
IN ANOTHER RELEVANT STUDY
In another relevant study, 17 DT experts (e.g., d.school teaching faculty from the
US and Germany) were interviewed about what they hoped to achieve by implementing
DT in their classrooms (Rauth et al., 2010). Overall, educators concurred that DT was a
toolbox from which they could draw different skills and subjects to solve problems. They
also reported that one goal of teaching with DT was to influence students’ behaviour,
such
that learners would move away from a more traditional, project-based mindset to a more
flexible, creative mindset that promotes iteration. Notably, educators reported
combining
knowledge from their previous professional backgrounds (i.e., as teachers, as administra
tors, in business) with DT to supplement the learning process. Such integration of previ
ous knowledge with DT could support the transition into using DT in practice and make
applying DT seem feasible in real-life situations and relevant across different subjects.
Arguably, there are several advantages to integrating DT into classrooms.
For example, DT may present opportunities to explore novel learning and teaching 06
environments, develop contextually-based theories of learning and teaching, advance de
sign knowledge, and increase students’ capacity for innovation (Design-Based Research
Collective, 2003). Thus, there is great potential for integrating DT into learning and to
support better understanding of educators’ experiences with DT in the classroom. Despite
the immense value in exploring educators’ experiences working with DT, little previous
research has assessed these experiences. The present study, therefore, was designed to
be
a first step toward advancing and merging knowledge from education research and
design
research to address two main research questions: How do educators understand the DT
process? How do educators see DT fitting into their classrooms?
Methods
Approximately two weeks before the focus group, educators were sent a secure link to
an online intake survey. The survey asked both quantitative and qualitative questions
about years of work experience, familiarity with and usage of technology in personal and
professional contexts, understanding of DT, and perceptions of how DT might “fit” into
the classroom. Forced choice items were rated on scales ranging from 1 (Not at all) to 5
(Extremely familiar) and 1 (Not at all) to 5 (Very frequently). The intention of collecting
survey data was not to conduct inferential statistical tests, but rather to gauge workshop
participants’ experiences with technology in education.
Focus Group
Educators attended a two-and-a-half-hour focus group session hosted by the two primary
researchers and two industry partner representatives. After a brief introduction to DT by
the researchers, educators reviewed the USERS DT framework and two detailed lesson
plans. Lesson plans had been developed and then programmed and displayed on an
online
teaching platform called Teachable1 in collaboration with the industry partner. Using
their
personal electronic devices (i.e., tablets, laptops) educators were asked to view the plans
individually and then provide feedback in relation to the lesson plan content, framework,
and interface (e.g., how material was presented on Teachable). Following this review,
the group discussed the curriculum content, providing commentary on how DT could be
integrated into teaching and learning. Educators spent an average of 30 minutes review
ing each lesson plan, after which time they engaged in a group discussion moderated by
the researchers.
Lesson plans. A set of lesson plans was developed by the researchers in con
junction with the educational technology industry partner. Content was meant to draw
1 Teachable is an online platform on which educators can create and access online
courses, https://teachable.com/
connections across the social sciences as well as science and technology (e.g., sustainabil
ity, the atmosphere on another planet) and often involved a 3D printing activity. Lesson
plans were designed to communicate course-related content and to present
opportunities
to cultivate global competencies such as collaboration and critical thinking (OECD, 2003
2018; Battelle for Kids, 2019).
Two lessons were selected for review in the study. The first lesson, titled “Mission
to Mars,” outlined multiple classroom sessions in which students are assigned roles and
tasked with designing 3D-printed solutions for life on Mars. The second lesson, titled
“One with Nature,” also outlined multiple classroom sessions in which students collabo
rated to design a 3D-printed model of sustainable and eco-friendly building structures.
QUALITATIVE INTAKE SURVEY ITEM
Responses to four open-ended questions were reviewed to extract common themes that
described the participants’ understanding of DT and its integration in teaching.
1. What is your understanding of DT? All but one educator described DT as a
process involving prototyping and iterative improvement. For example, one educator
explained: “It involves identifying and articulating a problem, then iteratively developing
solutions and feeding that process forward into subsequent problems.” Another stated:
Design thinking is an approach to problem solving that centres around the user—
in such a way it involves developing empathy as a means to better identify and
understand problems in order to develop solutions that meet the needs of the user.
Creativity and critical thinking are key aspects in which learners ask questions,
discover relevant information and develop prototypes. Design thinking is iterative
in nature.
10
Overall, responses indicated that educators were somewhat familiar with and
knowledgeable about the concept of DT, consistent with past research showing that even
pre-service teachers are familiar with the basic tenets of DT (Willard-Holt et al., 2018).
2. Integrating DT into curricula
Educators indicated two main resources that would facilitate integrating DT into their
classrooms. First, many
stated that collaboration and discussion with colleagues would be beneficial to generate
ideas, including how to maximize activities during class time. Second, educators indicat
ed that appropriate technological support would be advantageous to integrating DT into
teaching.
4. Assessing DT in the classroom.
Educators were asked to view the plans individually and then provide feedback in relation
to the lesson plan content, framework, and interface (e.g., how material was presented
on
Teachable). The feedback regarding the interface was not a central focus of the research,
however, educators were keen to integrate perceptions of the interface during the
discus
sion of the content. Opinions on the interface were intended to provide practical
feedback
for the industry partner. Therefore, the following results focus on responses related to
the
curriculum content and DT framework.
Throughout the focus group session, educators provided written and verbal feed
back that was audio-recorded by researchers with the consent of participants. The group
was structured in a roundtable format, so that each educator had the opportunity to
share
verbal feedback individually before engaging in a group discussion. Once completed,
the focus group audio recording was transcribed and analyzed using analytic induction
(Goetz & LeCompte, 1984), open coding (Strauss, 1987) and constant comparison (Gla
ser & Strauss, 1967). In this process, two trained researchers reviewed transcripts from
the focus group and categorized responses according to common themes that emerged
from the data. Any discrepancies in thematic analyses were resolved by discussion and
consensus.
PERCEPTIONS OF THE DT USERS FRAMEWORK
Given this group of educators was
quite familiar with at least one DT process prior to the workshop (e.g., Stanford’s d.
school, LAUNCH cycle; Spencer, 2017), it is not surprising that they quickly recognized
the USERS framework as virtually analogous to these. Overall, educators expressed
positive reviews of the USERS framework, commenting that the iterative nature of the
framework should be emphasized in graphical and written representations (i.e.,
portrayed
as more of a cycle than a process that begins and ends). To this end, one educator com
mented on students’ propensity to take a linear approach to solving challenges:
“Especial
ly in mathematics…when they get to the end, they’re like, ‘it’s done!’ Well, does it work?
[Are] there problems? Could you improve upon it?” This comment may be an indication
that some students will require extra encouragement to move beyond finding “the an
swer” to considering multiple or new solutions to challenges.
Integrating DT. Three major themes related to integrating DT within the curricu
lum emerged from the focus group: assessing DT; global competencies and DT; and inter
disciplinary learning through DT.
ASSESSING DT
The most prevalent theme to emerge from the data was the
perceived challenge of assessing DT in the classroom. Several educators commented on
how integrating DT will affect assessment directly because of the shift away from grad
ing a final product, as opposed to assessing the process of designing and iterating. Some
educators suggested potential approaches that educators could use to assess DT,
including
learning journals, self-reflection, and learning logs. In support of these suggestions, one
educator commented: “You’re not just assessing that final project they created. They
real
ly do need to document their learning journey, and that is the assessment.”
Another educator similarly stated that using student documentation as an assess
ment tool can be empowering: “…ensuring student voice and student choice, so their
product can be whatever is comfortable for them to demonstrate their learning.” Com
ments from educators reflected the need for research to establish valid and reliable ways
for assessing DT, but to do so in a way that provides learners the flexibility to define
success or progress.
GLOBAL COMPETENCIES AND DT
Consistent with previous work (Hawthorne et al., 2014), the current focus group per
ceived some difficulty in assessing DT, but at the same time readily suggested various
innovative ways to do so, such as learning logs and student-driven and holistic assess
ments. These suggestions are in line with previous literature documenting ways to assess
DT in education, including project-based assessments (Hawthorne et al., 2014). Like the
challenge researchers and educators face in establishing a valid and reliable method for
assessing CT (Mueller et al., 2017), the current study supports the notion that assessing
DT in educational contexts may be perceived by educators as a challenging fea
Despite this perceived challenge, the present findings also suggest that integrating
DT into teaching and learning can be a means to achieve global competencies like criti
cal thinking, collaboration, and global citizenship (OECD, 2003, 2018; Battelle for Kids,
2019). The educators in our study were familiar with DT to some extent, but it is possible
that educators just learning about DT will express similar enthusiasm. Indeed, a founda
tion of the DT philosophy is human-centrism that seeks to improve constantly to satisfy
the users’ needs (Plattner et al., 2009). Moreover, it is encouraging that educators easily
linked DT with global competencies, given that the emphasis of both of these constructs
as being instrumental in future education (Government of Canada, 2014; Howell &
O’Donnell, 2017).
In line with previous research showing the positive effects of DT for educators
(Carroll et al., 2010), educators in the present study were enthusiastic about how DT
presents opportunities for interdisciplinary collaboration. When reviewing our lesson
plans, educators frequently drew connections between different subjects such as arts,
sci
ences, social studies, and mathematics. This finding supports work on DT in classrooms
spanning multiple subjects (Carroll et al., 2010; Hmelo et al., 2000; Plattner et al., 2009;
Roussou et al., 2007). Just as previous research has shown that CT is relevant throughout
elementary curricula (Hennessey et al., 2017; Mueller et al., 2017), educators in the cur
rent study readily acknowledged the value of DT in linking concepts and content across
disciplines that can be useful in research and practice (Anderson & Shattuck, 2012).
Also consistent with previous research (e.g., Rauth et al., 2010), educators in the
present study perceived the DT process as one in which they could solve problems using
a combination of previously acquired skills, knowledge, and current learning outcomes.
Also consistent with Rauth et al. (2010), educators described the potential link between
DT and a more flexible approach to problem solving. If educators cultivate a more in
cremental versus fixed mindset in relation to problem solving, students may experience
collateral benefits noted in previous research such as greater persistence on challenging
tasks (Yeager & Dweck, 2012).
The current study is timely. Government initiatives and industry efforts are striv
ing to prepare students for success in the 21st century (Government of Canada, 2014;
Howell & O’Donnell, 2017; OECD, 2003, 2018; Battelle for Kids, 2019). In Canadian
society, where almost all Canadians under the age of 45 use the Internet every day (Sta
tistics Canada, 2017), gaining digital literacy is an appropriate priority. In response to
Despite this perceived challenge, the present findings also suggest that integrating
DT into teaching and learning can be a means to achieve global competencies like criti
cal thinking, collaboration, and global citizenship (OECD, 2003, 2018; Battelle for Kids,
2019). The educators in our study were familiar with DT to some extent, but it is possible
that educators just learning about DT will express similar enthusiasm. Indeed, a founda
tion of the DT philosophy is human-centrism that seeks to improve constantly to satisfy
the users’ needs (Plattner et al., 2009). Moreover, it is encouraging that educators easily
linked DT with global competencies, given that the emphasis of both of these constructs
as being instrumental in future education (Government of Canada, 2014; Howell &
O’Donnell, 2017).
In line with previous research showing the positive effects of DT for educators
(Carroll et al., 2010), educators in the present study were enthusiastic about how DT
presents opportunities for interdisciplinary collaboration. When reviewing our lesson
plans, educators frequently drew connections between different subjects such as arts,
sci
ences, social studies, and mathematics. This finding supports work on DT in classrooms
spanning multiple subjects (Carroll et al., 2010; Hmelo et al., 2000; Plattner et al., 2009;
Roussou et al., 2007). Just as previous research has shown that CT is relevant throughout
elementary curricula (Hennessey et al., 2017; Mueller et al., 2017), educators in the cur
rent study readily acknowledged the value of DT in linking concepts and content across
disciplines that can be useful in research and practice (Anderson & Shattuck, 2012).
Also consistent with previous research (e.g., Rauth et al., 2010), educators in the
present study perceived the DT process as one in which they could solve problems using
a combination of previously acquired skills, knowledge, and current learning outcomes.
Also consistent with Rauth et al. (2010), educators described the potential link between
DT and a more flexible approach to problem solving. If educators cultivate a more in
cremental versus fixed mindset in relation to problem solving, students may experience
collateral benefits noted in previous research such as greater persistence on challenging
tasks (Yeager & Dweck, 2012).
The current study is timely. Government initiatives and industry efforts are striv
ing to prepare students for success in the 21st century (Government of Canada, 2014;
Howell & O’Donnell, 2017; OECD, 2003, 2018; Battelle for Kids, 2019). In Canadian
society, where almost all Canadians under the age of 45 use the Internet every day (Sta
tistics Canada, 2017), gaining digital literacy is an appropriate priority. In response to