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The effectiveness of micro-credit programmes focusing on household income, expenditure and savings: Evidence from Bangladesh

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dc.title The effectiveness of micro-credit programmes focusing on household income, expenditure and savings: Evidence from Bangladesh en
dc.contributor.author Ariful, Choudhury Haque
dc.contributor.author Atanu, Das
dc.contributor.author Ashiqur, Rahman
dc.relation.ispartof Journal of Competitiveness
dc.identifier.issn 1804-171X Scopus Sources, Sherpa/RoMEO, JCR
dc.date.issued 2017
utb.relation.volume 9
utb.relation.issue 2
dc.citation.spage 34
dc.citation.epage 44
dc.type article
dc.language.iso en
dc.publisher Univerzita Tomáše Bati ve Zlíně (UTB), Fakulta managementu a ekonomiky
dc.identifier.doi 10.7441/joc.2017.02.03
dc.relation.uri https://www.cjournal.cz/index.php?hid=clanek&bid=archiv&cid=248&cp=
dc.subject MFIs en
dc.subject Collateral en
dc.subject Poverty en
dc.subject ASA en
dc.subject BRAC en
dc.subject Grameen Bank en
dc.subject Bangladesh en
dc.description.abstract This paper assesses the effectiveness of microfinance on household income, expenditure and savings. The survey examined those borrowers who had successfully completed at least three cycles of a loan. A household level survey (N=3000) was carried out to collect information about individuals receiving microcredit from one of the largest NGOs, ASA. The authors employed a multiple regression and discovered that the microcredit programme of ASA has a significant positive impact on household income, expenditures and savings. Moreover, the paper reveals that the level of education plays an important and statistically significant role in increasing the household income, expenditure and savings. Hence, the ASA microcredit programme has a positive impact on reducing poverty in Bangladesh and enhancing the competitiveness of deprived rural and urban households in improving their standard of living. en
utb.faculty Faculty of Management and Economics
dc.identifier.uri http://hdl.handle.net/10563/1007558
utb.identifier.obdid 43876676
utb.identifier.wok 000411799600004
utb.source j-wok
dc.date.accessioned 2018-01-15T16:31:27Z
dc.date.available 2018-01-15T16:31:27Z
dc.description.sponsorship Internal Grant Agency of FaME TBU [IGA/FaME/2017/010]
dc.rights Attribution 4.0 International
dc.rights.uri http://creativecommons.org/licenses/by/4.0/
dc.rights.access openAccess
utb.contributor.internalauthor Ariful, Choudhury Haque
utb.contributor.internalauthor Atanu, Das
utb.contributor.internalauthor Ashiqur, Rahman
utb.fulltext.affiliation Md. Ariful Haque Choudhury Deputy Director ASA Bangladesh Address: ASA Tower, 23/3 Bir Uttam Sharak Shyamoli, Dhaka-1207, Bangladesh E-mail: arif.tanzil@gmail.com Atanu Das Research Officer, ASA Bangladesh Address: ASA Tower, 23/3 Bir Uttam Sharak Shyamoli, Dhaka-1207, Bangladesh E-mail: atdas@asabd.org Ashiqur Rahman Doctoral Candidate in Finance Tomas Bata University in Zlín Department of Enterprise Economics Faculty of Management and Economics Address: Mostni 5139, 76001 Zlin Czech Republic E-mail: rahman@fame.utb.cz
utb.fulltext.dates -
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utb.fulltext.sponsorship The authors are thankful to the Internal Grant Agency of FaME TBU No. IGA/FaME/2017/010: Financial Constraints on Economic Activities, for financial support to carry out this research.
utb.wos.affiliation [Ariful, Choudhury Haque; Atanu, Das] ASA Bangladesh, ASA Tower,23-3 Bir Uttam Sharak, Dhaka 1207, Bangladesh; [Ashiqur, Rahman] Tomas Bata Univ Zlin, Finance, Dept Enterprise Econ, Fac Econ & Management, Mostni 5139, Zlin 76001, Czech Republic
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