Abstract:
This study examines the purposes of microcredit use and it‟s role in income
generating activities in selected villages of the Gopalganj district in Bangladesh. The
research objectives include exploring the socio-demographic status of microcredit
users, identifying the purposes of microcredit use, and calculating the role of
microcredit in income generation. Primary data was collected within January to June
of 2022 from 90 rural households using a structured interview schedule, focusing on
the utilization of microcredit in the onion and rice sectors. The findings reveal that
microcredit was predominantly used for onion cultivation and rice production,
indicating its significant support for agricultural activities. The benefit cost ratio
(BCR) analysis demonstrates that onion farming yielded higher profitability compared
to rice farming. Therefore, the study concludes that both rice and onion farming
sectors are profitable. Farmers using microcredit in onion farming are being the most
profitable. Recommendations include encouraging farmers to use microcredit for
onion production, lowering the interest rates of microcredit to enhance benefits for
borrowers, and improving the financial management skills of microcredit recipients
through training and skill development activities. Overall, this study underscores the
positive impact of microcredit in enabling income generation and improving
livelihoods in the study area.
Description:
A Thesis
Submitted to the Department of Development and Poverty Studies,
Sher-e-Bangla Agricultural University, Dhaka-1207, in
partial fulfillment of the requirements
for the degree of
MASTER OF SCIENCE
IN
DEVELOPMENT AND POVERTY STUDIES
