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Impact of Micro-credit on Economic Empowerment of Rural Women

S. Sultana
ATI, Gazipur, Bangladesh

S. S. Hasan
Department of Agricultural Extension & Rural Development, Banagabandhu Sheikh Mujibur Rahman Agricultural University, Gazipur-1706, Bangladesh.

Abstract/ Executive Summary:

The study was undertaken to analyze the impact of micro-credit on rural women’s economic empowerment. The study was conducted in Bariyali, Teknogpara and Naga villages of Basan and Kayaltia union under Gazipur Sadar Upazila of Gazipur District. A total number of 90 respondents were selected as sample using stratified rndom sampling technique. Out of 90 respondents, 45 women were involved with Bangladesh Rural Advancement Committee (BRAC) micro-credit program. Other 45 women had no involvement with any other micro-credit programs and they belonged to control group. Both these two groups had same socio-demographic characteristics. Survey method was applied and interview schedule was used to collect relevant data from the respondents. For measuring economic empowerment of rural women, three economic indicators ie., personal income, savings behavior and assets ownership were considered and sample t- test was performed to evaluate the impact of micro-credit on economic empowerment. Results of this study indicated significant differences between BRAC and non BRAC women regarding all these economic indicators of empowerment. In all the cases, BRAC women were more economically empowered than those of non BRAC women. It was also found that BRAC women had more active participation in various income generating activities. The study also revealed that the BRAC women received more micro-credit and utilized this for conducting more income generating activities than control group. They earned more income, saved more money and at the same time owned more assets than non BRAC women. The study stressed the need of more loans to be expanded to low income women folk by different GO and NGOs which would ultimately enhance their economic solvency and empower them economically. This would obviously be helpful for the upliftment of the rural women socio-economically.

Keywords: Rural women, Micro-credit, Impact, Empowerment

Location: Bariyali,Teknogpara and Naga villages of Basan and Kayaltia union under Gazipur Sadar Upazila of Gazipur District

Start Date:

End Date:

Program Area: Socio-economic and Policy

Non-commodity: Impact

Objectives:

i) To determine and describe some selected characteristics of rural women, and

ii) To find out the impact of micro credit on rural women’s empowerment on economic dimensions in the study area.

Methodology:

The study was undertaken in Bariyali, Teknogpara and Naga villages of Basan and Kayaltia union under Gazipur Sadar Upazila of Gazipur District. A total of 90 respondents were selected using stratified random sampling technique, out of which 45 were involved in the credit program of BRAC and other 45 women had no involvement in any credit program and they were considered as control group. Both BRAC group and control group had a similar socioeconomic status. Three indicators such as personal income, yearly savings and asset ownership were considered to measure women’s economic empowerment. Survey method was applied throughout the study. For collecting relevant data form the respondents, an interview schedule was prepared considering the objectives in view. Personal interview was conducted with all the 90 respondents using this interview schedule. Simple statistics like percentage, mean, range etc were calculated and at the same time sample t-test was performed for evaluating the impact of micro-credit on the empowerment of rural women.

Source of Information: The Agriculturists 8(2): 43-49 (2010), ISSN-1729-5211, A Scientific Journal of Krishi Foundation

Article Link (Online Journal): http://www.banglajol.info/index.php/AGRIC/article/view/7576/5715

Funding Source:

Total Budget (Tk.) :

Achievement/Findings:

Women having involvement with BRAC acquired more knowledge about health, agriculture, nutrition and got loan to utilize in various income generating activities for earning more income. As a result, they could uplift themselves socioeconomically. This study also provides evidence that economic empowerment of women can be improved through increasing personal income, savings and assets.

Knowledge Management: Journal