Author: Sharmina Afrin
AIT Library Call Number: AIT Thesis no.RD-02-18
Year: 2002
Academic Program: Regional and Rural Development Planning (RRDP)
Type: Thesis (M.Sc.) – Asian Institute of Technology, 2002
Examination Committee: Jayant Kumar Routray (Chairperson); B.W.E. Wickramanayake, Kyoko Kusakabe (Examination Committee Members)
Abstract: This study attempts to evaluate the socioeconomic impact of micro credit programs on rnral women in Bangladesh. It compares the impact of micro credit programs between government and non-government organizations. The socioeconomic impact of micro credit programs on rnral women is defined as social impacts such as, social empowerment, nutrition and health, housing and sanitation, education and training and economic impacts, such as, income, employment, production etc. The sample included 82 rnral women borrowers of Association for Social Advancement (ASA) and Bangladesh Rural Development Board (BRDB). 49 respondents were selected from ASA – a non-government organization and 33 were from BRDB – a government organization. The results show that the borrowers invested credit money mainly for pond aquaculture, petty trading or grocery business, paddy husking, poultry raising, animal husbandry, handicrafts, and mini garments. Most of the credits are used either only by husbands of the women b01Towers or jointly with husbands. The self-employment opportunity and production of the borrowers have been increased by the credit, as most of them were unemployed before taking credit. Although micro credit moderately increased the income and savings it failed to make the borrowers able to buy productive assets for their future. Results also show that the credit programs have increased the freedom of women borrowers in their families and the control over husband for limiting the children. However, it has not increased the purchasing ability of the women and the freedom for participating in sociopolitical activities. Nutrition and health condition of the borrowers and their family members has been increased marginally. Although housing condition of the b01rnwers is modernized by the credit, sanitation condition has not improved at all. There is hardly any positive impact of credit program on the level of education of women borrowers and their children. Family violence and tension of the family members of the borrowers have not be
Scholarship Donor(s): The Government of No1way (NORAD)
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