Effect of Microcredit on Economic Empowerment of Women in Dacope Upazila (original) (raw)
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Micro-finance and economic empowerment of women: An impact assessment
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Purpose: Nepal is an underdeveloped country and the access of women to financial resource is very low. Central Bank of Nepal adopted the policy of micro financing to the females who have poor access to financial resources. As the outcome of this policy Central Bank of Nepal introduced microfinance organizations as the D grade financial institution in Nepal but the impact of such financing has not been measured. Thus, this study is aiming to examine the effect of microfinance services in economic empowerment of women. The study considered, credit facility, saving facility and training facility as microfinance services because these are the major services provided by Nepalese microfinance companies and saving in the financial institutions by women and spending freedom and ownership of women in other fixed assets were considered as empowerment variables. Methodology: This study covered the women who have already involved in the micro finance activities. Almost 1500 females were involve...
Rural women play a significant role in the domestic and socio economic life of the society. Therefore nations" development is not possible without developing this segment of the society. Women face numerous challenges in accessing education and health services, as well as economic development. Most micro finance organizations target poor women and usually who excluded from social groups. This study explores the personal demographic factors" influence on empowerment of women in Jaffna District. Quantitative method has been used for gathering information and purposeful sampling method has been used to collect the data. The survey instrument in the form of close-ended questionnaire was developed for the purpose of collecting the main data for the study. Regression analysis has been used to find out the impact of demographical factors on women empowerment and the Independent sample one-way Anova (f-test) and independent sample t-test (t-test) were used to identify the significant mean differences between the degree of women empowerment across the demographic factors. The results showed that the demographic factors surveyed education, occupation and experience influence on women empowerment and that have weak impact on them. Based on the findings, it has been concluded that there is no significant mean differences between the degree of empowerment across the education level, occupation and years of experience.
Does Microcredit Matter for Women Empowerment? A Household Level Study in Khulna District
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Objective: The aim of this study is to explore the nexus between microcredit and women empowerment from the dimensions of participation in household decision making, involvement in income generating activities and wealth accumulation; participation in household economic activities; consciousness and mobility; and women rights. Sampling Technique: A total of 80 women including 40 from microcredit takers and 40 from non-takers women were selected randomly to collect the data from two separate villages under Phultala Upazila of Khulna District. Methods: For data analysis, econometric models such as Principal Component Analysis (PCA) and multiple regression model were applied. Results: The result of multiple regression model shows that the microcredit taker women are better off regarding women empowerment related to household decision making, and income and wealth accumulation. Whereas, the women from non-taker households are in a better position in case of women empowerment related to ...
The Impact of Micro Credit on Women Empowerment
ABSTRACT The micro-credit programs provide the credit facilities in empowering women in rural areas. The study focuses the way of increase the activities through micro credit in empowering poor women. For this purpose the problem is identified as “To what extent the micro credit programmeinfluences in empowering poor women in rural areas”. The prime objective of the research is to identify the impact of the micro-credit programme on women empowerment. For this purpose, the households who get loan facilities from micro finance institutions ie, Cooperative Rural Banks (CRBs), Thrift Credit Cooperative Societies (TCCSs), from Jaffna region are selected to meet the research objectives. The data has been gathered by using primary data. The fifteen women households who lived in Nallur, Kondavil, Jaffna, Kopay, sandilipay, Anaikoddai and Kurunagar were selected. The information has beencollected from 95 respondents out of 105 households totally.The concept of micro credit is analysed by us...
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Women have been regarded as a disadvantaged group in Nepal (Aoki & Pradhan, 2013), because of the limited opportunities in these areas, women residing in rural parts of Nepal such as, Kudari VDC in Jumla, are particularly vulnerable. The women in Jumla normally are involved in daily household jobs like cooking, cleaning, washing, feeding the cattle etc. The Maoist insurgency (about a 10 years of war in the country), lack of food supply and globalization have forced men to migrate to safe places and seek opportunities to earn money. This significant change however has given the burden of both household jobs and income generating jobs to the women. The majority of women are illiterate, but with the initiative of the Government and the cooperation with numerous INGOs and NGOs these women are given the oppportunity to enter the formal economy through microcredit programs. Some authors claim that these programs are showing very positive results. However, other authors claim that the real...