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Impact of Brdb Micro-credit Towards Uplifting Social Status of the Beneficiaries

RIPAN DEY SARKER
MS. Student,
Department of Agricultural Extension and Information System, Sher-e-Bangla Agricultural University

Abstract/ Executive Summary:

The study was conducted at Naikhongchhari Upazila under Bandarban district during January to July, 2007 to determine the impact of BRDB micro-credit towards uplifting the social status of the beneficiaries. Majority (60 percent) of the respondent could change their socio-economic status in medium scale compared to 38 percent of them could change in low scale and 2 percent of them could change in high scale after involvement with BRDB microcredit programmes. The education, farm size, organizational participation with BRDB, yearly savings, credit received and attitude towards BRDB micro-credit had positive and significant relationship with the impact of BRDB micro-credit towards uplifting the social status of the beneficiaries while age, family size, credit utilization, credit recovery procedure had not any significant relationship with the impact of micro-credit towards uplifting the social status of the beneficiaries. On the basis of the Problem Faced Index (PFI) ‘do not get current credit when any one of them did not repay previous loan’ ranked first followed by ‘insufficient amount of credit. Misuse of credit for social activities or buying foods’ ranked third and ‘decisions taken based on nepotism’ ranked last.

Keywords: BRDB, Mirco Credit, Social Status, Beneficiaries

Location: Naikhongchhari Upazila under Bandarban

Start Date: 00-01-2007

End Date: 00-07-2007

Program Area: Socio-economic and Policy

Non-commodity: Social status

Objectives:

1. To determine and describe some selected profiles of the BRDB micro-credit beneficiaries

2. To ascertain the impact of BRDB micro-credit towards uplifting social status of the beneficiaries

3. To explore the relationship between the selected profiles of the BRDB microcredit beneficiaries and the impact of BRDB micro-credit towards uplifting their social status

4. To identify the problems faced by the BRDB micro-credit beneficiaries in receiving and utilizing of micro-credit

Methodology:

The study was conducted at Naikhongchhari Upazila under Bandarban district during January to July, 2007. All the four unions of this Upazila were selected as the locale of the study. BRDB beneficiaries of Naikhongchhari Upazila who received credit at least one time were considered as the population of the study. An updated list of all the BRDB beneficiaries of the selected Upazila was prepared with help of the local BRDB officials. After completing the list, it was found that the total number of groups of the BRDB borrowers were 140 involving 2650 group members. These groups’ members (2650) constituted the population for the study. Data for this study were collected from a sample rather than the whole population. In this connection, two stage random sampling method was followed in order to select the respondents. Firstly out of the 140 groups, 20 groups were selected randomly and secondly 5 members were again selected at random from each of the selected 20 groups. Thus 100 borrowers were selected as the sample of the study. Twenty group members were also included in the reserve list by taking one from one group which was also selected randomly.Five point Likert type scale were used for ascertaining the attitude towards BRDB micro-credit. An English version of the interview schedule is presented in. The schedule was pre-tested with 10 BRDB beneficiaries of the study area excluded the sample. Necessary correction, alternation and modifications were made in the interview schedule on the basis of the pretest. The modified and corrected interview schedule was then printed in final form for data collection.The researcher himself collected necessary data through personal interview with the individual respondents. An introductory visit was made with BRDB field workers. The aims and objectives of the study were explained to respondents. This helped the researcher to have a friendly orientation to the group members. Before going to the respondents for interview, advance information was given with the help of BRDB field supervisors. Brief information regarding the nature and purpose of the study was given to the respondents before actual interview. The researcher also established desired rapport with the respondents. Usually the respondents do not keep records of annual/daily accounts of their data and the researcher had to rely on memory of the respondents. Questions were asked systematically and explanation was made whenever it was felt necessary. The information supplied by the respondents was recorded directly on the interview schedule. The information was duly checked in order to minimize errors. Some data were recorded in local unit. These were subsequently converted to appropriate standard units. The researcher took interview of the respondents at their leisure time so that they could give accurate information in a cool mind. The investigator faced no serious problem. Excellent co-operation was obtained from all the respondents. The BRDB officials also rendered cooperation during collection of data. The data collection took a period of 30 days from 2nd to 31st March, 2007.

Source of Information: M.S. Thesis, 2007, Department of Agricultural Extension and Information System, Sher-e-Bangla Agricultural University,Dhaka-1207

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Funding Source:

Budget:

Total Budget (Tk.) :

Achievement/Findings:

The majority (60 percent) of the respondent could change their socio-economic status in medium scale compared to 38 percent of them could change in low scale and 2 percent of them could change in high scale after involvement with BRDB micro credit programmes.

Knowledge Management: Thesis