Download fulltext HTML
Abdul Matin Chowdhury, M., Che Mohd Salleh, M., Alif Rusmita, S., & Sucia Sukmaningrum, P. (2019). Does Microcredit Bring the Women into Economic World: Evidence from Bangladesh. KnE Social Sciences, 3(13), 1238–1248. https://doi.org/10.18502/kss.v3i13.4280

https://doi.org/10.18502/kss.v3i13.4280

statistics

  • 230 Abstract Views
  • 255 PDF Views
  • 0 HTML Views

authors

  • M Abdul Matin Chowdhury
    No author data available.
  • M Che Mohd Salleh
    No author data available.
  • S Alif Rusmita
    No author data available.
  • P Sucia Sukmaningrum
    No author data available.

Published Date

  • Mar 31, 2019

Does Microcredit Bring the Women into Economic World: Evidence from Bangladesh

KnE Social Sciences / The 2nd International Conference on Islamic Economics, Business, and Philanthropy (2nd ICIEBP) / Pages 1238–1248

Abstract

The empowerment, entrepreneurship and education are the most imperative issues among women to develop the country. Micro credit is one of the effective tools to eradicate poverty among poor people through enhancing women empowerment, enhancing the entrepreneurial activities and improving education level for both men and women. It has initiated the schemes to encourage entrepreneurial activities along with developing education level and enhance the women empowerment in the country. The main goal of this research is to inspect the improvement of women empowerment, evaluate the development of entrepreneurship and the education level among micro credit borrowers in Bangladesh. There are two hundred and thirty respondents were participated in this research. The data were analyzed by the descriptive and multiple linear regression analysis. The results found that the women empowerment slightly develops even though it is not significant statistically whereas the entrepreneurship and education are negatively associated with micro credit programs. This research influences the micro credit institutions to develop and focus on the application of loaned amount by borrowers to affect significantly on women empowerment, entrepreneurial activities and education level. Finally, this research is also merits the government to widen the facilities and lessen the hardship on micro credit institutions and encourages the policy in Bangladesh.


 


 


Keywords: Micro credit, women entrepreneurship, women empowerment, poverty alleviation, Bangladesh

References
[1] Al Mamun, A., Saufi, R. A., & Ismail, M. Bin. (2016). Human capital, credit, and startup motives: a study among rural micro-enterprises in Malaysia. Journal of Developing Areas, 50(4), 383–400.


[2] Amin, M. A., Hossain, M. I., & Mathbor, G. M. (2013). Women Empowerment through Microcredit: Rhetoric or Reality? An evidence from Bangladesh. Multidisciplinary Journal of Gender Studies, 2(2), 1–21. doi:10.4471/generos.2013.22


[3] Attali, J. About Microcredit. Retrieved from www.microworld.org, http://http://www. microworld.org/en/about-microworld/about-microcredit


[4] Awaworyi, S. (2014). Impact of Microfinance on Female Empowerment: A Review of the Empirical Literature. JEL, Monash University; Australia, 21, 1–22.


[5] Babiker, M. H. O., Mohammed, A. S., & Shawal, M. S. (2017). Assessment of the impact of start-up capital provided by formal sector on female entrepreneurs in Khartoum State, Sudan: Case of Savings and Social Development Bank micro-credit program. Ahfad Journal, 34(2).


[6] Choudhury, A. H., 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.


[7] Gutberlet, J. (2009). Solidarity economy and recycling co-ops in Sa˜o Paulo: microcredit to alleviate poverty. Routledge, Development in Practice. , 15


[8] History of Microfinance. (2016). Retrieved October 22, 2016, from http://www. microfinanceinfo.com, http://www.microfinanceinfo.com/history-of-microfinance/


[9] Karlan, D., & Zinman, J. (2011). Microcredit in Theory and Practice: Using Randomized Credit Scoring for Impact Evaluation. The American Association for the Advancement of Science, 332(1278), 1–8. doi:10.1126/science.1200138


[10] Khan, A. H., & Dewan, H. (2017). Can The Availability of Informal Loans be Detrimental to Microloan Repayment?? Some Empirical Evidence from Bangladesh. Journal of Developing Areas, 51(4), 347–359.


[11] Khandker, S., & Hassan Zaman, H. Z. (2016, February 26). The Impact of Microfinance. www.thedailystar.net, pp. 1–2


[12] Langford, A., & Evaluator (2010). Evaluating the Social Impact of the OCLF/Alterna Community Micro Loan Program. Carleton Centre for Community Innovation.


[13] Li, x. (2010). an empirical analysis of microcredit on china rural household. lincoln university, 262.


[14] Martínez A., C., & Puentes, E. (2017). Micro-entrepreneurship Debt Level and Access to Credit: Short-Term Impacts of a Financial Literacy Program. European Journal of Development Research, 1–17.


[15] Mahmud, S. (2003). Actually how Empowering is Microcredit? Blackwell Publishing; Development and Change. , 30.


[16] Modi, D. A. G., Patel, K. J., & Patel, K. M. (2014). Impact of Microfinance Services on Rural Women Empowerment: An Empirical Study. IOSR Journal of Business and Management, 16(11), 1–8.


[17] Quach, H. M. (2017). Does Access to Credit Improve Household Welfare in The LongRun? The Jorunal of Developing Areas, 51(1), 129–142.


[18] Santha, A. M., & Lazarus, T. P. (2016). An Analysis on the Credit and Repayment Behaviour of Rural Households in Kerala, 103(September), 279–285.


[19] Venittelli, T. (2017). The Impact of Microfinance Institutions on the Informal Credit Market: Evidence from Andhra Pradesh. The European Journal of Development Research, 29(2), 512–531.


[20] Zaman. H. (2004). Microfinance in Bangladesh: Growth, Achievements and lessons. Retrieved October 22, 2016, from http://www.microfinancegateway.org,