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Impact of Village Phone Credit on the Livelihood Improvement of the Borrowing Households

M.S.K. Sarkar
Former M.S. student
Dept. of Agricultural Finance, Bangladesh Agricultural University (BAU), Mymensingh

M.F. Alam
Professor
Dept. of Agricultural Finance, Bangladesh Agricultural University (BAU), Mymensingh

M.A.Feardous
Former M.S. student
Dept. of Rural Sociology, BAU, Mymensingh.

M.R. Islam
Assistant Professor
Dept. of Rural Sociology, BAU, Mymensingh.

Abstract/ Executive Summary:

The study was undertaken to investigate the impact of Village Phone (VP) credit on the livelihood of the loanee households. Data were collected from 100 VP operators randomly by using interview schedule from the three selected unions of Sadar upazila under Mymensingh district. It was found that VP has brought positive changes in different types

Keywords:

Location: Mymensingh Sadar upazila

Start Date:

End Date:

Program Area: Socio-economic and Policy

Non-commodity: Credit

Objectives:

To determine the socio-economic status of the Grameen Village Phone operators in the study area;
To assess the impact of Village Phone on the livelihood of the borrowing households;
To ascertain the factors influencing the livelihoods of Village Phone borrowing household.

Methodology:

Selection of the study area is an important step for conducting any study. It depends on the objectives or purposes set for the study and where the concerned commodity or work is available. The researcher himself conducted a preliminary survey in Mymensingh Sadar upazila to achieve the objectives of the present study. On the basis of preliminary information, Vhabkhali, Boyra and Dapunia union were selected purposively because of the existence of a large number of Village Phone operators in these unions. A total number of 100 VP operators who operated VP for at least two years were randomly selected from the 728 VP operators list collected from Grameen Bank. Data were collected during January to March 2006 by interviewing the sampled VP operators using interview schedules to achieve the ultimate objectives of the study. A logic regression was estimated to determine the overall welfare improvement of the household due to VP earning. Overall socio-economic well-being was the dependent variable in the study. The dependent variable was dichotomous measuring whether socio-economic well being of the VP operators household became improved or otherwise, after two years of VP operation. The positive response in terms of socio-economic well-being was given a score of one while a zero was assigned for otherwise. The selected nine variables such as income, land, household furniture, agricultural equipment, mobile operation capacity, exposure, relationship with in–laws, decision making ability, social prestige from different capital items were included as independent variable in the model and coded same way in the form of one and zero as the dependent variable. The model was estimated using SPSS.

Source of Information:

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Total Budget (Tk.) :

Achievement/Findings:

Knowledge Management: