COMPARATIVE STUDY OF MICROCREDIT RECIPIENTS OF NGOs AND DETERMINANTS OF THEIR PERCEPTION OF POVERTY ALLEVIATION

Abstract

The present study was designed to assess comparative studyof different microcredit organization recipient perception on poverty alleviation.This comparative study is based on data generated through face to face interviews of selected women recipients numbering 90 under three microcredit organization such as ASA, BRAC and GB’’s programming areas of Dinajpur district. In this comparative study descriptive analysis was used to identify the socio-economic conditions of recipient through microcredit programs. Logistic regression analysis used to assess the recipient (women) perception of microcredit programs on poverty alleviation at household level.The socio-economic conditions of women are essential to assess the effectiveness of microcredit programs towards alleviating poverty.Socio-economic conditions of the women at household shows that, the education status and employment opportunity of women in the study areas was not so good. Their main sources of income were agriculture and business etc. The household monthly income on an average belongs to the range Tk.8000 to more than Tk.8000.The other facilities of household’s were also not so good in the study areas.To assess the perception of microcredit programs on poverty alleviation of women at household level the logistic regression model was used for this purpose to describe the relationship between a response variable and explanatory variables. The univariate technique is used first to study the variation of poverty alleviation on several covariates. The multivariate technique viz., multiple logistic regression model is used to identify the determinants of poverty alleviation. The finding of the analysis shows that, the total household members were negatively influencing the poverty alleviation of women at household level whereas household earning members have positive effect on poverty alleviation, the reason behind this is earning members are more than one to, increase the level of income of the household and then they live in better life and their poverty also reduced. So, household’s monthly income also positively effect on poverty alleviation. Recipients’seducation, occupation, amount of loan and savings have also positive effect on the poverty alleviation of women at household level.