Abstract:
The specific objective of the study was to determine the impact ofBRDB micro-credit
towards uplifting the social status of the beneficiaries measured by computing change
in income, change in food conswnption, change in housing unit, change in drinking
water source & toilet condition and change in family asset. Attempts were also made
to determine and describe ten selected profiles of BRDB beneficiaries and explore the
relationship between these profiles and impact of micro-credit towards uplifting the
social status of the beneficiaries. Attempts were also made to identify the problems
faced by the beneficiaries in receiving and utilizing micro-credit. The study was
conducted at Naikhongchhari upazila under Bandarban district. Out of 2650 group
members of 140 groups, l 00 group members of 20 groups were randomly selected
which constituted the sample for the study. Data were collected during March 2-31,
2007 using structured interview schedule. Pearson's correlation co-efficient was used
to determine the relationships between the dependent and independent variables.
Majority (60 percent) of the respondent could change their socio-economic status in
medium scale compared to 38 percent of them could change in low scale and 2
percent of them could change in high scale after involvement with BRDB micro
credit programmes. The education, farm size, organizational participation with
BRDB, yearly savings, credit received and attitude towards BRDB micro-credit had
positive and significant relationship with the impact of BRDB micro-credit towards
uplifting the social status of the beneficiaries while age, family size, credit utilization,
credit recovery procedure had not any significant relationship with the impact of
micro-credit towards uplifting the social status of the beneficiaries. On the basis of the
Problem Faced Index (PFI) 'do not get current credit when any one of them did not
repay previous loan' ranked first followed by 'insufficient amount of credit'. 'Misuse
of credit for social activities or buying foods' ranked third and 'decisions taken based
on nepotism' ranked last.
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
