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Impact of Micro-Credit Financing on Women Empowerment and Poverty Eradication in Pakistan


Shafique, Owais (2017) Impact of Micro-Credit Financing on Women Empowerment and Poverty Eradication in Pakistan. Doctoral thesis, Asia e University.

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Abstract

The study investigates the impact of micro-credit finance (MF) on women empowerment and poverty eradication in Pakistan. The need for the study arises from the fact that the existing literature on MF is widely divided on the impact and potential of MF, indicating that one-size-fits-all is not true. Most of the MF models have been developed in Bangladesh, India, Indonesia, etc. Very little research has been conducted in Pakistan on the impact of MF, especially through the broader socioeconomic impact assessment approach, instead of the widely-used outreach and repayment rate approach. These gaps in literature warrant research on the impact of MF on women empowerment (WE) and poverty eradication (PE) in Pakistan, especially in view of the different socio-economic conditions for women. This study was undertaken as an exploration of the notable works by Ahmed (2009); Brau et al. (2009); Hatch (2002, 2004); Henry et al. (2003b); Khandker et al. (2010); Littlefield et al. (2003); and Zeller et al. (2003a, 2003b, 2006). The research reveals that participation in micro-credit finance program (MFP) eradicates poverty in Pakistan, however, poverty eradication for males is much higher than females because they tend to invest the loans in micro-enterprises rather than family-weddings/use-athome. Participation in MFP also empowers women in Pakistan through poverty eradication. In addition, MFP produces greater social-acceptance, awareness and involvement of women in decision making; and greater control of women over money/assets in Pakistan. The findings of the study provide many insights and will be useful to policy makers and managers to make MF programs more effective and purposeful.

Item Type: Thesis (Doctoral)
Subjects: H Social Sciences > HG Finance
Divisions: School of Management
Depositing User: Ms Nur Liyana Abd Halil
Date Deposited: 19 Oct 2017 08:47
Last Modified: 12 Dec 2017 07:47
URI: http://ur.aeu.edu.my/id/eprint/143

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