An empirical analysis of factors that determine poverty among the beneficiaries of Pakistan Poverty Alleviation Fund

Yusuf, Muhammad-Bashir Owolabi; Shirazi, Nasim Shah; Ghani, Gairuzazmi Mat

doi:10.1108/jec-10-2014-0023

Cited by 3 publications

(4 citation statements)

References 23 publications

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“…Banerjee et al (2015) pointed that by using microfinance individuals with pre-existed business got expansion in it, whereas those without any business showed low propensity to start a new venture rather they increased nondurable consumption. By exposing poor individuals to microfinance their conditions are improved in short run, however, when the given money is exhausted conditions become even more critical as they are left under additional burden of debt (Chowdhury et al, 2005;Yusuf et al, 2013).…”

Section: Introductionmentioning

confidence: 99%

Microfinance and Poverty Eradication in the North African Countries: A Heterogeneous Panel Causality Analysis

Elsherif

2023

JSS

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Microfinance is considered as an effective tool for poverty reduction and socioeconomic development. This paper examines the impact of microfinance on poverty eradication by analyzing the causal links between the intensity of microfinance and poverty estimates. It employs heterogeneous panel causality techniques on a sample of North African countries over the period 1990-2021. Furthermore, the paper studies the impact of other control variables on poverty namely: arable land; agricultural value added; inflation; youth population; trade openness; school expenditure; health expenditure; rural population and per capita GDP growth rate. Parameters are measured using the fixed-effect estimation. Results reveal that, access to microfinance through the increase in the number of active borrowers along with the average loan size reduce poverty significantly in the sample countries as measured by the headcount ratios and poverty gap. Policymakers and regulators should ensure that microfinance is targeted at more efficient and equitable lending which will create more opportunities, thus increasing income, economic empowerment and reducing poverty.

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Section: Introductionmentioning

confidence: 99%

Microfinance and Poverty Eradication in the North African Countries: A Heterogeneous Panel Causality Analysis

Elsherif

2023

JSS

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“…The South Asia region includes countries like Pakistan, Nepal, India, Bangladesh, Bhutan, Maldives & Sri Lanka. In this region overall level of poverty is high due to agrarian economies, overpopulation, lack of education, and political instability (Muhammad-Bashir et al, 2016).…”

Section: Introductionmentioning

confidence: 99%

Poverty Reduction Strategies: Evidence From U-Microfinance Bank

Rani

Laghari

Channa

2021

HSSR

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Purpose: This Study intends the assessment of microloan by U Microfinance Bank from females of upper Sindh. The core objective was to assess the impact of U-Microfinance on the poverty level of female for improving their living standards by providing them micro-loans to be used for their small-scale business which could enable them to be empowered politically, socially, economically, and assessing its impacts on the health and education of their families. Methodology: This study was conducted on the assessment of microloan interventions of U Microfinance Bank in the rural areas of upper Sindh. A quantitative approach was used to measure the impact of microloan on the poverty status of the female along with a qualitative study to further confirm the findings. In this study, a quasi-experimental design was used in which two groups of data from the same respondents assuming the data ‘Before-loan and After-Loan Situation’ from the female borrowers of Khairpur, Sukkur, Shikarpur, Larkana, and Dadu Districts of Upper Sindh. Poverty Score Card was used as a survey instrument originally developed by the World Bank for each region separately. The collected data were analyzed by applying the descriptive statistics and logistic regression technique by using SPSS latest version. Results: Results of the logistic regression analysis demonstrate that the microloan program does empower females of targeted cities, but the empowerment process does not necessarily occur simultaneously across all dimensions. Whereas microfinance does effect individually on each dimension of empowerment. For microfinance ventures, the results suggest that occupation types have a positive impact on women's empowerment. Applications of this study: This study can be very effective in improving the strategies for poverty reduction among the female borrowers of the upper Sindh. The Novelty of the study: The novelty of this study investigating the effect of poverty reduction strategies on female empowerment.

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“…The survey results show PPAF micro-credit condensed the overall poverty level by 3.07 percentage points. However, it admitted extremely deprived borrowers' poverty status slightly went up (Yusuf et al, 2014).…”

Section: Microfinance In Pakistan Perspectivementioning

confidence: 99%

“…They are said to be extending assistance directly to the underprivileged so that they can find ways to enhance income, improve community physical infrastructure and help the women get economic uplift. (Yusuf et al, 2014) It is said that the fund has its own evaluation mechanism to assess its programs. It gets feedback from its own sources.…”

Section: Microfinance In Pakistan Perspectivementioning

confidence: 99%

Grooming those microfinance fails to accommodate in: System needs major overhauling

Ahmed¹,

Iqbal²

2014

Afr. J. Bus. Manage.

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Microfinance is claimed to be a strong poverty elevation mechanism. Prof Dr. Yunus of Bangladesh is said to be the inventor of the system. But presently, attempts are being made to credit the great Rabindranath Tagore with the idea. However, throughout the world Yunus' model is on excessive try to wipe out poverty from the globe. Whatever is the result, the irony is that the system is being sliced between breeder of menace (capitalism) and proletariat rules (socialism/communism) whereas, the mentor simply wanted to show how the have-nots can be brought into financial system. Capitalism claps for its success, but with some ulterior motive that has forced Yunus to talk against micro-sharks and socialism is the sole loser in the game. But the core issue is poverty elevation and for that, the system needs neutralization of the dog fight of the two isms (socialism/communism). Further, the system has inherent quality that needs to be overhauling so that even those elements still resting outside the orbit of micro financial system can be accommodated. While it registers success, the mankind will see a different world.

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An empirical analysis of factors that determine poverty among the beneficiaries of Pakistan Poverty Alleviation Fund

Cited by 3 publications

References 23 publications

Microfinance and Poverty Eradication in the North African Countries: A Heterogeneous Panel Causality Analysis

Microfinance and Poverty Eradication in the North African Countries: A Heterogeneous Panel Causality Analysis

Poverty Reduction Strategies: Evidence From U-Microfinance Bank

Grooming those microfinance fails to accommodate in: System needs major overhauling

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