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Credit Utilization and Repayment Behaviour of the Women Beneficiaries of Brdb (iwp)

MD. ZAKARIA
MSc Student
Department of Agricultural Extension Education Bangladesh Agricultural University, Mymensingh

Abstract/ Executive Summary:

The study entitled Credit utilization and repayment behaviour of the women beneficiaries of BRDB (IWP)". The formulated objectives of the study were (1) To determine selected characteristics of the women beneficiaries of BRDB (IWP) The characteristics are - Age, Education, Occupation, Family size, Family farm size, Family income, Training experience, Credit availability, Attitude towards BRDB (IWP), Cosmo politeness (2) To determine the credit utilization behaviour of the women borrowers of BRDB (IWP) (3) To determine the credit repayment behaviour of the women borrowers receiving credit from BRDB (IWP) (4) To explore the relationships between the selected characteristics of the women borrowers and their credit utilization and repayment behaviours (5) To identify the problems faced by the women borrowers in receiving credit from BROS (IWP). The study was conducted in three Upazalas under Rangpur district Data were collected from a sample of 120 BRDB (IWP) borrowers out of 1126 during 14 August, 2000 to the 13 September, 2000 through personal interview schedule Appropriate scales were developed in order to measure the variables

Keywords: Credit utilization, Repayment behaviour, Women beneficiaries.

Location:

Start Date: 14-08-2000

End Date: 13-09-2000

Program Area: Socio-economic and Policy

Non-commodity: Credit

Objectives:

To determine selected characteristics of the women beneficiaries of BRDB (IWP).
To determine the credit utilization behaviour of the women borrowers of BRDB (IWP).
To determine the credit repayment behaviour of the women borrowers receiving credit from BRDB (IWP)
To explore the relationships between the selected characteristics of the women borrowers and their credit utthzation and repayment behaviour
To identify the credit problems faced by the women borrowers in receiving credit from BRDB (IWP)

Methodology:

The researcher prepared a list of the women borrowers of the selected 30 Committee with help of BRDB (IWP), women field inspector & other staff of BRDB (IWP). After completing the list it was found that the total number of borrowers were 1126. These 1126 borrowers constituted the population for this study out of 1126 borrowers a sample of 120 (11-12 per cent) were selected following proportionate random sampling technique. Data was collected by the researcher himself through personally interviewing the respondents from door to door An interview schedule was prepared in Bangla and pretested to collect the required data for this study. Simple questions and statements as well as some scales were included in the schedule. Most of the questions were in closed form Data collection took one month from the 14 August 2000 to the 13 September 2000. Credit utilization and repayment behaviour of the women borrowers were the dependent variables of the study Independent variables included ten characteristics of the borrowers namely age education occupation family size, family farm size family income training experience, credit availability attitude towards BRDB (IWP) and cosmopohteness. Statistical analysis was done using descriptive statistics like percentages , frequency counts, mean, standard deviation and ranks wherever these applied Correlation tests were used in order to test the relationships of all the characteristics of the respondents with their credit utilization and the interrelationships among selected characteristics of the respondents.

Source of Information: Thesis BY MD. ZAKARIA, Examination Roll No. 54 Registration No. 17180, Semester:July-December 2000, Department of Agricultural Extension Education Bangladesh Agricultural University, Mymensingh

Article Link (Online Journal):

Funding Source:

1.

Budget:

Total Budget (Tk.) :

Achievement/Findings:

It was found that all the women borrowers under this study were all along regular in repaying their credits. Several types of credits were distributed among the borrowers. Accordingly they repaid all the credits in time. This finding leads to the conclusion that the credit repayment performance of the women borrowers of BRDB (IWP) was highly satisfactory. Proper utilization of credit is important for getting desirable output. The study indicates that 81.71 per cent of the total amount of credit has been properly utilized by the borrowers. This finding leads to the conclusion that the credit utilization pattern was satisfactory. 3. Most of the borrowers (88. 33 per cent) opined that the credit received from the BRDB (IWP) was profitable Although it was difficult for them to mention the extent of profitability of the credit, but optimistically it may be concluded that BRDB (IWP) credit is being utilized at least to some extent for the improvement of it s clients. Cosmopoliteness of the borrowers had positive and significant relationships with the proper utilization and repayment of BRDB (IWP) credit leads to the conclusion that the more cosmopoliteness of the borrowers, the more will be their proper utilization and repayment of credit.

Knowledge Management: Thesis