Impact of Micro-Credit on Livelihoods of  Rural Poor in the Punjab, Pakistan

Luqman, Muhammad; Xu, Shutao; Wen, Yu; Yaseen, Muhammad; Liwei, Gao

doi:10.4236/jss.2016.45034

Cited by 4 publications

(9 citation statements)

References 5 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…Present study was particularly equipped for borrower assessment and perception about microfinance institution. There are some similarities between the summary statistics of borrower information and previous studies, such as the fact that the majority of borrowers are illiterate [62] or have a lower level of education [53] [63], a significant portion of women's loans is controlled by their spouse [64], the monthly income level is also low [53] [63], and the loan was not used for the intended purpose [26] [65]. However, in response of multiple question about the intentions of MFIs, borrowers percept that MFIs intend to earn profit only [66][67] [62].…”

Section: Discussionmentioning

confidence: 88%

“…Polite, motivational, encouraging, heartening and enhancing behavior from microfinance institutions impacts acknowledgement on borrowers. Inspiring behavior raises borrowers' comfort, pleasure and satisfaction and also enhances their ability to get the gladly available loan [53] of the MFIs. Borrower's satisfaction level can be measured by observing an aspect of behavior of MFIs through pre-lending check, post-lending monitoring.…”

Section: Services (Behavior Of Employee Of Mfi)mentioning

confidence: 99%

“…Basic information of Borrowers is summarized in table 5. The majority of the borrowers were illiterate [53] or below the primary level of education. Unfortunately, none of the borrowers go to college, only 7% of the borrowers have a higher secondary school level of education and 93% of the borrowers in the sample possess a middle-level education or below.…”

Section: Summary Statistics Of Descriptive Analysismentioning

confidence: 99%

“…The price of loan in term of interest rate is another factor of product which determines borrowers' satisfaction. As a higher interest rate discourages customer from availing this product while low interest rate play significant role in reducing poverty [53] and increase level of satisfaction. Similarly, fewer charges like services & transaction enhances borrower's ability to avail this credit facility.…”

Section: Index System Of Mfi's Products and Services About Borrower's Satisfaction Assessmentmentioning

confidence: 99%

See 3 more Smart Citations

Borrowers satisfaction evaluation from Microfinance institution by Using FCEM

Yunxian

Hassan

Iqbal

et al. 2022

Preprint

View full text Add to dashboard Cite

Boundless researchers have made efforts to assess the impact of Microfinance on poverty reduction both positively and negatively, but the perception of borrowers about the effectiveness of Microfinance has not been yet found. This study adopts the Fuzzy Comprehensive Evaluation Method (FCEM) in conjunction with the Analytical Hierarchy Process (AHP) to evaluate the level of satisfaction of borrowers with the products and services of microfinance institutions at different criterion levels. The goal is to assess the level of satisfaction for each criterion level under the degree of satisfaction of the borrower about the product and services provided by Microfinance Institution (MFI). Findings show that the claim of MFI was false because study evidence makes it clear that borrowers are not satisfied with the product and services of MFI. In addition to the literature, this study also highlighted the weakness of the MFI product and services. Thus, both the government and the MFIs can improve their performance and change their policies for the welfare of the borrowers.

show abstract

Section: Discussionmentioning

confidence: 88%

Section: Services (Behavior Of Employee Of Mfi)mentioning

confidence: 99%

Section: Summary Statistics Of Descriptive Analysismentioning

confidence: 99%

Section: Index System Of Mfi's Products and Services About Borrower's Satisfaction Assessmentmentioning

confidence: 99%

See 2 more Smart Citations

Borrowers satisfaction evaluation from Microfinance institution by Using FCEM

Yunxian

Hassan

Iqbal

et al. 2022

Preprint

View full text Add to dashboard Cite

show abstract

“…The loan price in terms of interest rate is another factor of "product" that determines borrowers' satisfaction. A higher interest rate discourages customers from availing of this product, while low-interest rates significantly reduce poverty [52,53] and increase satisfaction. Similarly, fewer charges like services & transactions enhance borrowers' ability to avail of this credit facility.…”

Section: Index System Of Mfi's Products and Services About Borrower's...mentioning

confidence: 99%

An Integrated FCEM-AHP Approach for Borrower’s Satisfaction and Perception Analysis of Microfinance Institution

Hassan¹,

Iqbal²,

Garg³

et al. 2023

Computer Modeling in Engineering &Amp; Sciences

View full text Add to dashboard Cite

The main objective of this paper is to present an integrated approach to evaluate the level of satisfaction of borrowers with the products and services of microfinance institutions (MFI) at different criterion levels. For this, the study adopts the concept of FCEM (Fuzzy Comprehensive Evaluation Method) in concurrence with the AHP (Analytical Hierarchy Process). In our day-to-day situation, the researchers have made many efforts to assess the impact of Microfinance on poverty reduction, but borrowers' satisfaction is always overlooked. Since the multiple factors impact the borrower's satisfaction, each factor is made of different items. Thus, as the factors items increase, many uncertainties are created, and hence this will make the decision making unsmooth or imprecise. To describe this, the FCEM method deals with the vagueness in the collection information phase. However, the AHP has been utilized to determine the objective weights of each factor. The presented integrated framework has been illustrated with a case study and presented their results. The study's managerial benefit is also reported to address the situation.

show abstract

Self-perceived Incentives and Disincentives of Untreated Waste Water Irrigation in Vegetables in Peri-Urban Areas of Pakistan

Luqman¹,

Shoukat²,

Xu³

et al. 2017

IJESD

Self Cite

View full text Add to dashboard Cite

Abstract-With the increase in human population in developing countries including Pakistan and shortage of canal irrigation water, people used to think about other alternate irrigation sources particularly in peri-urban areas, where most of the farming activities are depend upon waste water. Pakistan is also included in the list of those where untreated waste water application on vegetables is very common. Based on the theoretical debate on its advantages and disadvantages, the present study was designed to know about the incentives and disincentives of untreated wastewater application in vegetables. The study was conducted in the Punjab province. Quantitative data were collected through reliable and validated research instrument (interview schedule) and analyzed through SPSS. It was concluded from the results that majority of the respondents (55.8%) had education only upto eight (08) years of schooling. About 69.2% of the respondents were small land holders and considered as tenant. Majority of the majority of the vegetable growers in the research area used to grow vegetables from more than 10 years. Shortage of can irrigation water, power/energy crises in Pakistan, and high cost of fresh water through tube well were the main reasons behind application of untreated waste water for vegetable farming. Out of different incentives of waste water application in vegetables, high yield was on the top with maximum mean (x̄=4.13). Health problems were the main disincentives of wastewater application in vegetable due to its high mean (x̄=4.42) out of others. Overall mean of all the disincentives (x̄=4.61) is high compared to overall mean of all the incentives (x̄=4.13). It was recommended that water treatment facilities should be provided by the government on subsidized rates as small scale vegetable growers didn't have enough financial and physical capitals.

show abstract

Impact of Micro-Credit on Livelihoods of Rural Poor in the Punjab, Pakistan

Cited by 4 publications

References 5 publications

Borrowers satisfaction evaluation from Microfinance institution by Using FCEM

Borrowers satisfaction evaluation from Microfinance institution by Using FCEM

An Integrated FCEM-AHP Approach for Borrower’s Satisfaction and Perception Analysis of Microfinance Institution

Self-perceived Incentives and Disincentives of Untreated Waste Water Irrigation in Vegetables in Peri-Urban Areas of Pakistan

Contact Info

Product

Resources

About