scholarly journals Participation of rural women in micro credit: A study on BRAC in sadar upazila of Gazipur district

2013 ◽  
Vol 10 (2) ◽  
pp. 277-282
Author(s):  
MM Rana ◽  
MA Rahman ◽  
GMK Uddin ◽  
PK Sarma
Keyword(s):  
Rural Women ◽  
Poverty Alleviation ◽  
Percent Level ◽  
Positive Contribution ◽  
Land Area ◽  
Loan Repayment ◽  
Poor Women ◽  
Credit Programs ◽  
Average Annual Income ◽  
Micro Credit

The study presents the issues of rural women in Sadar Upazila of Gazipur district considering their participation in micro credit programs for poverty alleviation. Data were collected from 75 BRAC women beneficiaries of four villages following random sampling techniques. On the basis of credit, the respondent’s have been classified into three categories. These are: i) A-small credit (up to Tk.4000) ii) B-Medium credit (Tk.4001-7000) and iii) C-Large credit (Tk.7001-10000). Average credits received by the respondents were Tk. 3250, Tk. 5875, and Tk. 8895 by small, medium, and large categories, respectively. The average annual income and savings of the respondents were Tk. 24245 and Tk. 1106, respectively. The repayment rate was 69.81 percent. Level of education, size of own land area, amount of income, savings and amount of loan received were found to be positive contribution to loan repayment performance. The study clearly hints that micro credit provides greater opportunity for rural poor women to improve their socioeconomic conditions.DOI: http://dx.doi.org/10.3329/jbau.v10i2.14919 J. Bangladesh Agril. Univ. 10(2): 277-282, 2012

scholarly journals Why some poor women in Bangladesh do not opt for micro-credit?

2014 ◽  
Vol 11 (2) ◽  
pp. 285-292 ◽  
Author(s):  
MA Khatun ◽  
MA Islam ◽  
S Majumder
Keyword(s):  
Rural Women ◽  
Poverty Alleviation ◽  
Poor People ◽  
High Interest Rate ◽  
Starting Time ◽  
The Poor ◽  
Poor Women ◽  
Poor Families ◽  
Poor Management ◽  
Micro Credit

Despite many positive impacts of micro-credit, some studies found that micro-credits are not reaching the extreme poor. This study is designed to find out the major causes why rural women do not join micro-credit programme. The present study conducted case studies on ten dropped out members, three non-NGO/MFI members and five NGO/MFI officials. The important causes for dropout are high interest rate, poor management of loan money by clients, management of default cases by NGO/MFI officials, starting time of repayments of instalment, improper utilisation of loan money, husband’s unacceptable interference, lack of training to utilise the money and difficulty in getting large amount of loan. On the other hand, worry of failure to repay the instalment, unwillingness to take loan and husband’s opposition are the main reasons for non-membership of micro-credit programmes. Tough membership criteria set by the NGOs/MFIs restricts the access to micro-credit option for many of the poor families. Though some NGOs/MFIs have some programmes to support the ultra poor, the coverage is limited. One important hurdle to overcome is the psychological poverty. There are many poor people who are not motivated to get involved in the process despite many NGOs/MFIs are operating at their doorsteps. Appropriate actions are needed to increase the coverage of the micro-credit programme to fight against poverty. NGOs/MFIs should focus not only on the profit but also on the true achievement in poverty alleviation. DOI: http://dx.doi.org/10.3329/jbau.v11i2.19927 J. Bangladesh Agril. Univ. 11(2): 285-292, 2013

scholarly journals Micro Credit: The Empowerment of Women

2014 ◽  
Vol 2 (1) ◽  
pp. 1
Author(s):  
Md. Ariful Islam ◽  
Mahmudul Hasan Siddiqui ◽  
Kh. Fahim Hossain ◽  
Md. Rayhan Islam
Keyword(s):  
Rural Women ◽  
Impact Analysis ◽  
Secondary Data ◽  
Rural Poor ◽  
Credit Institution ◽  
The Poor ◽  
Long Run ◽  
Poor Women ◽  
The Impact ◽  
Micro Credit

All Micro-credit institutions of Bangladesh claim that they bring the poor women from dead end situation to a promising position by providing a very small size of loan, which is given in cash. This paper attempts to critically examine the impacts of micro credit program of micro credit institution on the empowerment of the rural poor women. In this study some major indicators of women empowerment have been specified so as to make a judgment whether or not micro credit institution could actually reach the poor women. The details of the impact analysis in this sphere have been made by using both the qualitative and quantitative tools on the basis of secondary data. The estimates show hardly any significant relationship between micro credit institute operations and a strong position of the rural women in question.However the gloomy findings of this paper are expected to create awareness of the policy makers about the long run impact of micro credit programs of micro credit institution and followers on the rural poor women.

scholarly journals EFFECTIVENESS OF ZAKAT-BASED PROGRAMS ON POVERTY ALLEVIATION AND ECONOMIC EMPOWERMENT OF POOR WOMEN: A CASE STUDY OF BANGLADESH

2016 ◽  
Vol 1 (2) ◽  
pp. 229-258
Author(s):  
Fahami Muhammad Anis ◽  
Salina H. Kassim
Keyword(s):  
Rural Women ◽  
Rural Areas ◽  
Poverty Alleviation ◽  
Equity Capital ◽  
Cash Transfer ◽  
Economic Empowerment ◽  
The Poor ◽  
Poor Women ◽  
Before And After ◽  
Development Approach

Among the many problems facing Bangladesh, poverty remains a key problem affecting millions of lives. During the past few decades, many initiatives have been implemented such as microcredit and cash transfer programs, yet the results seemed to be ambiguous. New frontiers are now sought to find new sources of finance which could offer a more effective and sustainable solution to the root cause of the poverty problem. Considering the idea of entrepreneurship and group-based development approach of microcredit, a zakat-based development approach was initiated in Bangladesh at a private level by an organization called Center for Zakat Management (CZM) for poverty alleviation and sustainable economic empowerment targeting poor women in rural areas. This paper aims to assess the effectiveness of the CZM efforts in utilizing zakat funds for promoting entrepreneurship among poor rural women. Focusing on the case of Bangladesh, this study assesses the effectiveness of zakat on aspects such as income, house hold expense and fixed asset accumulation of the poor client based on the “before and after” approach. Groups comprising of poor individuals and families are given equity capital/seed money and are encouraged to embark on small businesses according to their own liking. The groups are supervised for a period of a minimum of three years to ensure all individuals within the group are able to continue with their activities and ultimately, free themselves from the shackles of poverty and graduate into sustainable livelihood. Results indicate a significant nominal and real increase in average monthly income, increase in fixed assets and an increase in monthly average household expenditure before and after receiving zakat money. Results also demonstrate factors such as age of the entrepreneur, family size, type of business involved and the amount of zakat received to have a strong influence in determining the success of women entrepreneurs. Education level of the entrepreneur, on the other hand, does not seem to have significant impact on the success or failure of the entrepreneur. The findings from this paper shed light on the effectiveness of zakat-based approach in alleviating poverty and ensuring sustainable economic empowerment of the poor rural women.Keywords:  Zakat, Poverty alleviation, Entrepreneurship, BangladeshJEL Classification: I32, L26, Z12

Livelihood Promotion: Can the Collectives of NRLM Really Do It?

2021 ◽  
pp. 097300522110008
Author(s):  
H. S. Shylendra
Keyword(s):  
Poverty Alleviation ◽  
Integrated Approach ◽  
Development Programme ◽  
Professional Support ◽  
Role Clarity ◽  
The Poor ◽  
Rural Livelihood ◽  
Poor Women ◽  
Policy Suggestions ◽  
New Generation

As a new generation development programme, the National Rural Livelihood Mission (NRLM) has sought to promote collectives of the poor women as the corner-stone of its strategy for livelihood promotion. The livelihood enhancement is meant to be actualised through a multi-dimensional strategy of livelihood protection and promotion. The paper hypothesised that despite their avowed goal, the collectives of women are bound to face enormous challenges in the livelihood promotion in the absence of an integrated approach more so in the context of neoliberalism. The findings of the paper corroborate the hypothesis to a great extent. Contrary to the theoretical visualisation of institutionalists, collectives of poor have faced challenges in their self-reliant emergence. The intervention has emerged more as a minimalist microfinance with inherent limitations regarding poverty alleviation. The paper concludes that the collectives of NRLM have a long way to go before they can emerge as strong livelihood promoting agencies. Sustained support to build the capacities of the fledging collectives, a reversal of the top–down elements of their multi-tier structure and the strong need for greater role clarity for the collectives along with professional support are some of the policy suggestions.

scholarly journals Assessing the Adequacy, Utilization and Repayment of Grameen Bank Income Generating Loans on Rural Women in Selected Areas of Tangail District

2016 ◽  
Vol 8 (2) ◽  
pp. 131-134
Author(s):  
SA Labani ◽  
MZ Islam ◽  
ASMG Hafeez
Keyword(s):  
Family Size ◽  
Rural Women ◽  
Economic Condition ◽  
Grameen Bank ◽  
Average Amount ◽  
Explanatory Variables ◽  
Average Family Size ◽  
Recovery Percentage ◽  
Average Annual Income ◽  
Livestock Rearing

A study was conducted to assess the adequacy, utilization and repayment of Grameen Bank (GB) income generating loans on rural women in selected areas of Tangail district. The study was conducted with socio-economic characteristics of the women borrowers, assessing the adequacy, utilization and repayment of loan. With this end in view, 60 respondents were purposively selected from three villages namely Hemnagar, Volapara and Shimlapara of which 10 were engaged in farming, 21 were engaged in livestock rearing, 19 were engaged in petty business, 5 were engaged in tailoring and 5 were indirectly engaged in van/rickshaw pulling. Tabular and statistical analyses were applied for achieving the objectives. In the study area, higher proportions (55 per cent) of women were middle aged and 93 percent were married. About 75 percent had signature ability, 18 and 7 per cent studied up to primary and secondary level respectively. Average family size of the respondents was5.36; average annual income and saving of the respondents were Tk. 65958.05 and 8769.65 respectively. Six explanatory variables i.e. Age, education, family size, occupation, income and expenditure were considered for repayment of loan in empirical model. Age, family size, income and expenditure had significant impact on repayment of loan. Average amount of credit received by the respondents was Tk. 8139 and on an average 82 percent of the loaned money was utilized for the reported IGAs. Due to poor economic condition, the respondents could not utilize the total loaned money in productive purposes. Overall loan recovery percentage was found to be quite satisfactory. They repaid their loan on time with the hope of getting more credit in future and because of regular supervision by the bank’s field level workers and pressure of the group leaders.J. Environ. Sci. & Natural Resources, 8(2): 131-134 2015

SOCIO-ECONOMIC EMPOWERMENT OF WOMEN THROUGH MICRO CREDIT: AN EMPIRICAL STUDY

2021 ◽  
pp. 58-60
Author(s):  
T. Indumathi ◽  
G. Savaraiah
Keyword(s):  
Rural Women ◽  
Poverty Reduction ◽  
Rural Poverty ◽  
Poverty Line ◽  
Economic Empowerment ◽  
Political Empowerment ◽  
The Poor ◽  
The Government ◽  
The Impact ◽  
Micro Credit

The World Bank's Andhra Pradesh Rural Poverty Reduction Project supports the self helf groups of the women members. It promotes women's social, economic, legal and political empowerment to reduce poverty among the poor and the poorest of the poor. The important object of this article is to examine the impact of micronance on the socio economic empowerment of the rural women supported by the national reputed NGO- Rashtriya Seva Samithi (RASS). 184 women members of the SHGs promoted by Rasthriya Seva Samathi (RASS) an NGO which located in Tirupati town. 184 samples are selected randomly from 15 SHGs scattered throughout the Tirupati rural mandal (Taluk) from the area of the study have been considered to conduct the present research study. The study reveals that 87.71 percent of the sample women were below the poverty line before joining the SHGs. As a result of SHG, about 40 percent of the sample women crossed the poverty line. The highest intensive value indicates that more women have participated in social agitations for the welfare of the children and the society. The second highest intensity reveals that considerable numbers of women of SHGs have participated in the government sponsored schemes. The 1st point secured 3rd rank with total intensity value of 605 which status that the micro credit has resulted in increased social status and empowerment.

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