Academic & Law Serials

Articles

Indian Journal of Social Research Vol.57 (5) (Sep - Oct, 2016) (637-652)

Effect of Microcredit on Social Empowerment of the ASA Women Beneficiaries

M. R. Amin
Department of Agricultural Extension
Hajee Mohammad Danesh Science and Technology University
Dinajpur 5200, Bangladesh


S. Huda
Department of Agricultural Extension
Hajee Mohammad Danesh Science and Technology University
Dinajpur 5200, Bangladesh


M. R. Karim
Department of Agricultural Extension
Hajee Mohammad Danesh Science and Technology University
Dinajpur 5200, Bangladesh


A. M. Molla
Manager (Operation)
Reducing Vulnerability and Natural Resource Management
Practical Action Bangladesh


N. Muhammad
Department of Agricultural Extension
Hajee Mohammad Danesh Science and Technology University
Dinajpur 5200, Bangladesh


M. R. F. Noman
Department of Agricultural Extension
Hajee Mohammad Danesh Science and Technology University
Dinajpur 5200, Bangladesh



Abstract


The objectives of this study were (i) to assess the nature and extent of the social empowerment of women beneficiaries through microcredit programme under ASA (ii) to explore the relationship between the selected characteristics of rural women and their social empowerment and (iii) to identify the problems faced by women in utilizing microcredit. The selected characteristics were age, education, family size, annual income, cosmopoliteness, duration of involvement with ASA, credit received, savings and attitude towards ASA. Sadar upazila of Dinajpur district was selected as a locale of the study. Data were collected from randomly selected 102 women beneficiaries from a population of 255. Social empowerment of a respondent was measured by considering three dimensions: a) decision-making ability, b) social participation, and c) social mobility. The overall social empowerment score of a woman beneficiary was obtained by summing up her scores of dependent variables. Pearson’s correlation coefficient (r) was computed to explore relationship of the women’s individual characteristics with their empowerment. A pre-tested interview schedule was used to collect data from 1 September to 15 October, 2012. The majority (79.4 percent) of the respondents had medium social empowerment while 12.8 percent had low social empowerment and only 7.8 percent had high social empowerment. Among the selected characteristics of the women beneficiaries cosmopoliteness, savings and attitude towards ASA showed positive significant while education, family size, annual income and credit received had not significant relationship and age and duration of involvement with ASA showed not significant negative relationship with Social empowerment of women beneficiaries. Main problem of the women beneficiaries was ‘the amount of loan depends on the saving of the respondents’ followed by ‘non-getting credit at the time of need’.


Key words:
Microcredit, Empowerment, Women Beneficiaries, and ASA


Purchase This Article