Performance of microcredit towards empowerment of women – a case study of saving and credit cooperatives in bardiya district of Nepal
This dissertation is submitted in partial fulfillment of the requirements for the degree of MA in Governance and Development, 2018.
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Brac University
2019
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10361-122892019-09-30T05:51:47Z Performance of microcredit towards empowerment of women – a case study of saving and credit cooperatives in bardiya district of Nepal B.K., Laxmi Kumar Millat-E-Mustafa, Mohammad Brac Institute of Governance and Development, Brac University Microcredit Women’s empowerment Nepal Cooperative Women in development--Nepal. Rural women--Nepal--Economic conditions. This dissertation is submitted in partial fulfillment of the requirements for the degree of MA in Governance and Development, 2018. Cataloged from PDF version of dissertation. Includes bibliographical references (page 34-36). Microcredit has often been seen as an important means of empowering women. A study was conducted in the Mid-Western Development Region of Nepal to explore impact of microcredits in women’s empowerment. A total of 32 women borrowers of micro-credit was randomly selected from eight cooperatives. A pre-tested questionnaire was administered to collect the data. Qualitative information was collected through case studies. Most of the survey respondents (94%) are over the age of 25. Nearly three-quarter of the respondents did not have formal education. About 44% of respondents have an average monthly income of NRs. 11000-20000 (94-170 US$). Only 3% have average monthly income below NRs 10,000 (85 US$) and 6% have income above NRs 50,000 (427 US$). All respondents maintain a savings account – 88.5% with cooperatives and 12.5% with the bank. Most of them (90%) have a regular savings pattern. All respondents received cooperative loans with 41% borrowed loan for more than three times and 19% borrowed loan only once. Approximately 31% of respondents also borrowed loan from the micro finance institutions. Nearly 94% of respondents repaid their instalments on time. The study shows different levels of impact on the role of micro-credits in women’s empowerment. In the case of women’s decision-making power and change in the attitude of men towards domestic violence, there was no change in the status of women, even after joining cooperatives and borrowing micro-credits. However, more than two-third of respondents indicated that their respect had improved significantly in the family. With respect to participation in community activities, 60% of respondents felt that it had improved after borrowing micro-credits. Almost 53% also indicated that their communication skills had improved than before. About 94% of respondents reported having improved confidence in their work or business. The data are collected by perception survey that only provides information about what people feel or think. A longitudinal study involving a control group and more respondents in the treatment group is recommended to validate the findings of this study. Laxmi Kumar B.K. M. Governance and Development 2019-07-02T04:53:29Z 2019-07-02T04:53:29Z 2018 2018-10 Dissertation ID 17172010 http://hdl.handle.net/10361/12289 en Brac University dissertations are protected by copyright. They may be viewed from this source for any purpose, but reproduction or distribution in any format is prohibited without written permission. 50 pages application/pdf Brac University |
| institution |
Brac University |
| collection |
Institutional Repository |
| language |
English |
| topic |
Microcredit Women’s empowerment Nepal Cooperative Women in development--Nepal. Rural women--Nepal--Economic conditions. |
| spellingShingle |
Microcredit Women’s empowerment Nepal Cooperative Women in development--Nepal. Rural women--Nepal--Economic conditions. B.K., Laxmi Kumar Performance of microcredit towards empowerment of women – a case study of saving and credit cooperatives in bardiya district of Nepal |
| description |
This dissertation is submitted in partial fulfillment of the requirements for the degree of MA in Governance and Development, 2018. |
| author2 |
Millat-E-Mustafa, Mohammad |
| author_facet |
Millat-E-Mustafa, Mohammad B.K., Laxmi Kumar |
| format |
Dissertation |
| author |
B.K., Laxmi Kumar |
| author_sort |
B.K., Laxmi Kumar |
| title |
Performance of microcredit towards empowerment of women – a case study of saving and credit cooperatives in bardiya district of Nepal |
| title_short |
Performance of microcredit towards empowerment of women – a case study of saving and credit cooperatives in bardiya district of Nepal |
| title_full |
Performance of microcredit towards empowerment of women – a case study of saving and credit cooperatives in bardiya district of Nepal |
| title_fullStr |
Performance of microcredit towards empowerment of women – a case study of saving and credit cooperatives in bardiya district of Nepal |
| title_full_unstemmed |
Performance of microcredit towards empowerment of women – a case study of saving and credit cooperatives in bardiya district of Nepal |
| title_sort |
performance of microcredit towards empowerment of women – a case study of saving and credit cooperatives in bardiya district of nepal |
| publisher |
Brac University |
| publishDate |
2019 |
| url |
http://hdl.handle.net/10361/12289 |
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AT bklaxmikumar performanceofmicrocredittowardsempowermentofwomenacasestudyofsavingandcreditcooperativesinbardiyadistrictofnepal |
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