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

Loan Repayment Behavior of Female Borrowers of Brac in Santhia Branch Under Pabna District

MD. REZAUL KARIM
MS. Student
Department of Agricultural Extension & Information System,Sher-e-Bangla Agricultural University, Dhaka-1207

Abstract/ Executive Summary:

The study was conducted in eight villages under Santhia branch of BRAC under Pabna District during February to December 2006. The study reveals that 26% of the female borrowers under study were regular 53% of the borrowers were medium in repaying their installments. Attitude towards BRAC loan of the respondent had significant positive relationship with their loan repayment. The loan repayment behavior was the high among the respondent having highly favorable attitude toward BRAC loan. Therefore, it is recommended that attempts should be made by the concerned authorities to popularize the loan disbursement programs of the BRAC among the rural women so that favorable attitude is retained in them.

Keywords: Loan repayment behavior, Femel borrowers, BRAC, Santhia branch, Pabna district

Location: Santhia branch of BRAC under Pabna District

Start Date: 00-02-2006

End Date: 00-12-2006

Program Area: Socio-economic and Policy

Non-commodity: Credit

Objectives:

1. To describe the characteristics of female borrowers of BRAC.

2. To asses the repayment behavior of female borrower of BRAC.

3. To determine the relationship of loan repayment behavior of the female borrowers with their selected characteristics

4. To identify the problems faced by the borrowers in repaying Loan to BRAC.

Methodology:

The study was conducted in eight villages under Santhia branch of BRAC under Pabna District during February to December 2006.The reason for selection this area is that its socio-economic features are well known to the researcher and considering proper utilization of time and resources.The units of analysis of this study were women member of BRAC in eight villages under Santhia branch. They got themselves involved in various agricultural and other income generation activities by taking loan from BRAC. The major criteria members of the associations who were engaged in agricultural income generating activities like milking cow rearing, beef fattening, poultry rearing, rice cultivation etc.An updated list of the female borrowers of the selected 8 villages was prepared with the help of the branch of the BRAC. The total numbers of borrowers were 1000 which constituted the population of this study. One hundred (Sampling rate 10%) were selected trough random sampling technique.Keeping the object of the study in mind an interview schedule was carefully designed to collect relevant data. The schedule contained both closed and open form of question. Simple and direct question and statements were included in the selected dependent and independent variables. To become free from doubt the content validity of the instrument, the researcher sought the expertise opines of his supervisor and co-supervisor as well as other knowledge, persons in the relevant field. The suggestions received were incorporated accordingly. Appropriate scales were developed with a view to operation the selected characteristics in bangle for making it easily understandable to the respondent. The draft interview schedule was pre-tested by administering the same of 10 BRAC female borrowers of the same branch. The pre-tested was helpful to detect weakens of the draft schedule. Necessary Correction addition, alternations and rearrangements were made in the schedule. The schedule was then multiplied in its final form for of the interview schedule has been incorporated in the Appendix.

Before starting the collection of data, the research met the branch manager and explained the objective of the study. The branch manager gave permission to the researcher regarding data collection from the borrowers under that branch. As a result the researcher received full co-operation from relevant person in collection data. Data were collected personally from the respondents through interview schedule. All possible efforts were made to explain the purpose of the study to the respondents and their answer were carefully recorded by the research. Out of 100 original sampled borrowers only 1 was not available during data collection. The researcher therefore, the interviewee one borrowers from the reserve list.Data obtained were then coded complied, tabulated and analyzed in accordance with the objective of the study. Qualitative data were converted suitable scoring wherever necessary.

Source of Information: M.S. Thesis, SEMESTER: JULY – DECEMBER, 2006, Department of Agricultural Extension & Information System, Sher-e-Bangla Agricultural University, Dhaka-1207

Article Link (Online Journal):

Funding Source:

Budget:

Total Budget (Tk.) :

Achievement/Findings:

The study revealed that 26% of the female borrowers under study were regular 53% of the borrowers were medium in repaying their installments. Attitude towards BRAC loan of the respondent had significant positive relationship with their loan repayment. The loan repayment behavior was the high among the respondent having highly favorable attitude toward BRAC loan.

Knowledge Management: Thesis