The Effectiveness of Micro-credit Programmes Focusing on Household Income, Expenditure and Savings: Evidence From Bangladesh

Journal of Competitiveness

Das Atanu¹  Choudhury Haque Ariful¹  Rahman Ashiqur² 

[1] ASA Bangladesh;Tomas Bata University in Zlín, Faculty of Management and Economics;

关键词: MFIs;    Collateral;    Poverty;    ASA;    BRAC;    Grameen Bank;    Bangladesh;   

DOI  :  10.7441/joc.2017.02.03

来源: DOAJ

【 摘 要 】

This paper assesses the effectiveness of microfinance on household income, expenditure and savings. The survey examined those borrowers who had successfully completed at least three cycles of a loan. A household level survey (N=3000) was carried out to collect information about individuals receiving microcredit from one of the largest NGOs, ASA. The authors employed a multiple regression and discovered that the microcredit programme of ASA has a significant positive impact on household income, expenditures and savings. Moreover, the paper reveals that the level of education plays an important and statistically significant role in increasing the household income, expenditure and savings. Hence, the ASA microcredit programme has a positive impact on reducing poverty in Bangladesh and enhancing the competitiveness of deprived rural and urban households in improving their standard of living.

【 授权许可】

Unknown