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Journal of Competitiveness

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

Choudhury Haque Ariful, Das Atanu, Rahman Ashiqur

Keywords:
MFIs, Collateral, Poverty, ASA, BRAC, Grameen Bank, Bangladesh

Abstract:
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.

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The Effectiveness of Micro-credit Programmes Focusing on Household Income, Expenditure and Savings: Evidence From Bangladesh [PDF file] [Filesize: 719.66 KB]

10.7441/joc.2017.02.03


Choudhury H. A., Das A., Rahman A.(2017). The Effectiveness of Micro-credit Programmes Focusing on Household Income, Expenditure and Savings: Evidence From Bangladesh. Journal of Competitiveness, 9(2), 34-44 https://doi.org/10.7441/joc.2017.02.03

Journal of Competitiveness

  

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ISSN 1804-171X (Print); eISSN 1804-1728 (On-line)


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