Abstract:
The objective of this study was to assess the impact of microcredit program on
poverty alleviation of adibashis credit borrowers and to explore the contribution of
the selected characteristics to impact of microcredit programs. Poverty alleviation
was measured by computing the seven dimensions of change, such as change in
income, food consumption, housing environment, health status, family assets,
participation and social position and vulnerability of adibashi credit receivers on
the basis of before and after their involvement with microcredit programs. Data
was collected through household-level survey of 77 adibashi credit receivers of
purposively selected two unions e.g. Eluary and Kazihal under Fulbari upazila of
Dinajpur district applying random sampling. Findings indicated that 75.3 percent
of the respondents had medium to low change in income after the involvement
with microcredit. 80.2 percent of the respondents were belonged to poverty line II
before the involvement with credit but calorie intake changed to 61.30 percent that
belonged to below poverty line I after the involvement with credit. Before
involvement, 54.5 percent of the respondents had katcha ghar with tin roof but
after involvement the percentage increased to 89.6. Before involvement 3.9
percent of the respondents used half sanitary toilet where after involvement this
percentage turned into 20.8 percent. 79.2 percent of the respondents had medium
to low change in health status, 74 percent of the respondents had low to medium
change in possession of assets, 59.8 percent of the respondents had low to medium
change in participation and social position and 71.5 percent of the respondents had
positively low to medium change in vulnerability after involvement with
microcredit. 88.3 percent of the respondents had medium to low poverty
alleviation after involvement with microcredit. Farm size, credit utilization,
effectiveness of credit utilization and duration of involvement with microcredit
program had significant contribution to the impact of microcredit. Need new loan
for repayment of the previous loan was identified as respondents’ main problem
Description:
A thesis
Submitted to the Department of Agricultural Extension and Information System
Sher-e-Bangla Agricultural University, Dhaka
In partial fulfillment of the requirements for the degree of
MASTER OF SCIENCE IN
AGRICULTURAL EXTENSION & INFORMATION SYSTEM
