Abstract:
The focus of the study was to determine the impact of Gramecn Bank micro-credit
program measured by computing change in income, change in food consumption,
change in housing unit, change in toilet condition, change in drinking water source,
change in family asset and change in decision-making ability of the women
beneficiaries after their involvement with Grameen Bank micro-credit program.
Attempts were also made to determine and describe some of the selected
characteristics of the women beneficiaries and their relationships with the impact of
Grameen Bank micro-credit program.
The income, food consumption increased significantly after involvement with
Grameen Bank. The average yearly income of the respondent's households increased
to Tk. 33.32 thousands. from Tk 27.85 thousands. The average per capita daily calorie
intake increased to 2319.08 K.Cal. from 2131.25 K.Cal. Nineteen (19) per cent of the
beneficiaries were found to lie below under poverty line II (food consumption up to
1805 K. Cal.), but figure became of 10 per cent 'after involvement' with Grameen
Bank micro-credit program. Seventy per cent of the beneficiaries had kacha ghar with
straw roof type housing before involvement but the figure reduced to 32 after
involvement. Fifty three (53) per cent of the respondents used to go to open places for
toilet purpose 'before involvement' but 'after involvement' this figure turned to 24.
Thirty seven (37) per cent respondent's families had own tube well for drinking water
'before involvement' but 'after involvement' with Grameen Bank micro-credit
program 57 per cent beneficiaries' families used their own tube well for drinking
water. Fifty (50) per cent beneficiaries were found to fall under the category of low
asset possession 'before involvement' and that figure has decreased to 23 'after
involvement' with Grameen Bank micro-credit program. Forty six percent
respondents fell into low impact category where 47% and 7% of the respondents were
found to be in medium impact and high impact category respectively. Age, farm size,
credit received characteristics were found to have significant relationship at 1 % level
of significance and attitude was significant relationship at 5% level of significance
with the impact of Grameen Bank micro-credit program. Insufficient amount of credit
as per demand ranked first as a problem faced by the beneficiaries.
Description:
A Thesis
Submitted to the Faculty of Agriculture,
Sher-e-Bangla Agricultural University, Dhaka,
in partial fulfillment of the requirements
for the degree of
MASTER OF SCIENCE
IN
AGRICULTURAL EXTENSION AND INFORMATION SYSTEM
