Targeted Credit Programs and Rural Poverty in Bangladesh

Khandker, Shahidur R.

doi:10.1596/0-8213-3706-8

Cited by 37 publications

(43 citation statements)

References 4 publications

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“…Over last two decades, micro credit became an important tool for alleviating poverty in Bangladesh (Khandkar and Chowdhury 1996). The overall success of micro credit program depends not only on immediate alleviation of poverty but also on long-term sustainability and long-term sustainability depends on accumulation assets (Chowdhury 2004).…”

Section: Micro Credit Program and The Entrepreneurship Developmentmentioning

confidence: 99%

A Multivariate Model of Micro Credit and Rural Women Entrepreneurship Development in Bangladesh

Afrin¹,

Islam²,

Ahmed³

2009

IJBM

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In Bangladesh, micro credit programs have positive socioeconomic impact on the rural women borrowers. However, it is perceived that the micro credit programs help the rural women borrowers to survive only and do not help them to develop entrepreneurial capabilities. Hence, this paper aims at identifying the factors related to the development of entrepreneurship among the rural women borrowers through micro credit programs. A multivariate analysis technique like Factor Analysis was conducted to identify the entrepreneurship development related factors. Structural equation modeling was used to develop a model of micro credit program and the development of rural women entrepreneurship in Bangladesh. Results show that the financial management skills and the group identity of the women borrowers have significant relationship with the development of rural women entrepreneurship in Bangladesh. The experience from the parent's family of the borrowers and the option limit may also lead to the rural women borrowers to be entrepreneurial.

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Section: Micro Credit Program and The Entrepreneurship Developmentmentioning

confidence: 99%

A Multivariate Model of Micro Credit and Rural Women Entrepreneurship Development in Bangladesh

Afrin¹,

Islam²,

Ahmed³

2009

IJBM

View full text Add to dashboard Cite

show abstract

“…Furthermore, the credit that is available goes to the rich, who basically do not require it (Khandker and Chowdhury 1996).…”

Section: 13: the Role Of Banks In Rural Creditmentioning

confidence: 99%

“…In short, it is evident that the formal credit delivery mechanisms were not only inadequate in the rural areas but also carried high transaction costs, low efficiency, low coverage, and control and manipulation by the rich farmers and local influential people (Khandker and Chowdhury 1996).…”

Section: 13: the Role Of Banks In Rural Creditmentioning

confidence: 99%

“…These targeted credit programs were directed towards the rural poor who did not have access to the formal credit system and especially to the poor women who were discriminated in the labour and credit markets. Moreover, these targeted credit programs were group-based (based on joint-liability), peer monitored/mentored in contrast to the directed credit delivery system in Bangladesh (Khandker and Chowdhury 1996). These non-governmental organization (NGOs) credit programs emerged as microfinance institutions (MFIs) in Bangladesh.…”

Section: 2: Evolution Of Microfinance In Bangladeshmentioning

confidence: 99%

“…The Grameen Bank is one of the pioneer microfinance banks that was created to make credit directly available to the rural poor who do not have access to a formal credit system and to focus exclusively on women. Moreover, this targeted credit program used group-based peer monitoring, a closely supervised credit approach which is different from the formal credit institutions; this makes a significant difference in the rural credit market in Bangladesh (Khandker and Chowdhury 1996).…”

Section: 3: Analytical Frameworkmentioning

confidence: 99%

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