Search For:  
Czech |  English

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.

Fulltext download
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



Journal of Competitiveness

Homepage | About | Current issue | Archive | Instructions for authors | RSS feed | LinkedIn | Facebook

Copyright © 2009-2017 Journal of Competitiveness; Tomas Bata University in Zlin. All rights reserved.
Search powered by Google™

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


Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.