The Impact of Microcredit on Household Expenditure Patterns of Rural Women Borrowers: A Comparative Study on Government Organization and Nongovernment Organization of Bangladesh

BOHI, SHAJAHAN and SAMIA, SHABNAZ and TAHSINA, KHAN (2015) The Impact of Microcredit on Household Expenditure Patterns of Rural Women Borrowers: A Comparative Study on Government Organization and Nongovernment Organization of Bangladesh. In: Fourth International Conference On Advances in Economics, Management and Social Study - EMS 2015, 26-27 September, 2015, Kuala Lumpur, Malaysia.

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Abstract

Microcredit is a powerful tool which contributes significantly for alleviating poverty and improving living standard for sustainable development of the rural women. In Bangladesh several government and nongovernment organizations are engaged in proving microcredit facilities. This study aims to compare the government and nongovernment organizations microcredit interventions have more impact on the expenditure pattern to improve the living standards of respondent. A total 172 rural women borrowers were interviewed based on structured questionnaire. The study reviled that although the income level of the borrowers of both the organization is same, but the Government organization’s borrowers are spending more on various sectors of household expenditure to improve the living standard. The microcredit programs can be made more effective by charging a reasonable interest rate and by adjusting the microcredit policy.

Item Type: Conference or Workshop Item (Paper)
Uncontrolled Keywords: Microcredit, Expenditure Pattern, Rural Women Borrowers, BRAC, BRDB
Depositing User: Mr. John Steve
Date Deposited: 26 Apr 2019 04:41
Last Modified: 26 Apr 2019 04:41
URI: http://publications.theired.org/id/eprint/1506

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