Agricultural Research Management Information System

Home
Research Summary
Search
About Us
- ARMIS
- Brochure
Contact Us
Report
User Request
Data Input
Help
- Operation Manual
  - PDF
  - Video
- Program Area & Commodity
We have reached 37600 number of research entries at this moment.

- Logout

Research Detail

Home
Research
Detail

Participation of Rural Women in Micro Credit: a Study on Brac in Sadar Upazila of Gazipur District

Paresh Kumar Sarma
Scientific Officer
Bangladesh Agricultural University Research System, Bangladesh Agricultural University, Mymensingh-2202, Bangladesh

Abstract/ Executive Summary:

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.

Keywords: Rural women, Participation, Micro Credit

Location: Gazipur

Start Date: 01-01-2009

End Date: 31-12-2012

Program Area: Socio-economic and Policy

Non-commodity: Credit

Objectives:

To determine the socioeconomic characteristics of the women beneficiaries in the study area;
To analyze the amount of loan, utilization patterns and repayment performance of the respondents;
To assess the impact of different influencing variables on the respondent’s repayment performance.

Methodology:

Four villages namely Dakshin salana, Kathora, Dighirchala and Sharifpur under Gazipur Sadar Upazila of Gazipur district were purposively selected for this study. After selection of villages, a list of current beneficiaries (2010/2011) was collected from the BRAC branch office situated at Chandana.. A total number of 75 women loanees were selected from the villages. A random sampling technique was followed in this study. The data was collected in July 2011 and completed within 50 days. The researchers collected necessary primary data through personal interview with the individual women. Tabular analysis was done to compare with different loan categories. Multiple regression (Gujrati, 1995) analysis was used to determine the impact of different independent variables on loan repayment of the loanees which was specified as:

Y = a+b₁x₁+b₂x₂+b₃x₃+b₄x₄+b₅x₅+b₆x₆+e_i

Where,

Y = Amount (Tk.) of loan repaid by the respondents

X₁= Age of the respondents, measured in years

X₂= Respondent’s own land area

X₃= Respondent’s education, measured by year of schooling

X₄= Respondent’s income

X₅= Respondent’s savings

X₆= Amount (Tk.) of loan received from BRAC by the respondents

a = Constant

b = Regression co-efficient

e_i= Error term

Source of Information: J. Bangladesh Agril. Univ. 10(2): 277–282, 2012, ISSN 1810-3030

Article Link (Online Journal):

Funding Source:

Total Budget (Tk.) :

Achievement/Findings:

The study found that 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.

Knowledge Management: Journal