Micro Credit

MICRO-CREDIT INTERVENTION AND ITS EFFECTS ON EMPOWERMENT OF RURAL WOMEN: THE BRAC EXPERIENCE

Shahnaj Parveen
Md. Sajedur Rahman Chaudhury

Bangladesh Research Publication Journal, May-June 2009

The study was designed to analyse rural women’s economic empowerment as the outcome of micro-credit interventions. The study was conducted in Shahjatpur and Jalalpur villages under Melandaha Upazila of Jamalpur District. A total of 90 respondents were selected randomly, out of which 45 were involved in the credit scheme of the Bangladesh Rural Advancement Committee (BRAC) and other 45 women had no involvement in any credit programme. Both qualitative and quantitative data were collected through group discussions and interviews with the respondents in December 2008.

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Where NGOs go and do not go?

Debdulal Mallick

Munirul H. Nabin

BRAC, May 2011

We aim to investigate the role of output market imperfections in constraining the microfinance programme to mitigate credit market imperfections. We develop a model in which output market imperfections increase operating costs for nongovernment organizations (NGO) and create barriers for producers to market their goods. Therefore, NGOs operate in locations having good physical infrastructure and better productive and marketing opportunities to minimize operating costs and maximize loan repayment. Using data from northern Bangladesh, we found strong support for the model predictions.

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Integration of the Ultra Poor into Mainstream Development: How Effective is CFPR?

Raniya Shams
Sharif Mahmud
Narayan C Das

BRAC, December 2010

This paper aimed to understand the dynamics of participation of the TUP (Targeting the Ultra Poor) members of CFPR (Challenging the Frontiers of Poverty Reduction) phase I in the financial market since their graduation from the CFPR programme. The analysis was done using the longitudinal panel data (2002, 2005 and 2008). It has been found that after two years of programme support and provision of some flexibilities in borrowing from BRAC microfinance, the ultra poor can meaningfully participate in the formal credit markets. Their active participation can help them achieve long-term benefits in the form of increased per capita income. Participation in the programme has brought about significant positive impacts in the rate of borrowing as well as lending and saving behaviours of the participant households. More than two-thirds of the sampled members had ended up participating at least once in BRAC microfinance.

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Interpretation of rural savings behaviour : a cautionarey tale

STEPHEN MORSE and NORA McNAMARA
Journal of International Development
J. Int. Dev. 12, 29±43 (2000)

Summary:
A number of studies have explored the relationship between uncertainty and savings behaviour amongst resource-poor farmers. This paper describes the results of
such a study for ®ve villages in the Ibaji area of Igalaland, Kogi State, Nigeria. Savings behaviour over a 20-year period was examined in the face of two severe types of shock: flooding and land war. The results suggest that although the macroeconomic climate in Nigeria could explain some general trends in savings behaviour, some

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The constraints and challenges associated with developing sustainable microfinance systems in disadvantaged rural areas in Africa

UNITED NATIONS CAPITAL DEVELOPMENT FUND (UNCDF)
March 1999

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