The effectiveness of micro-credit programmes focusing on household income, expenditure and savings: Evidence from Bangladesh

Choudhury, Haque Ariful; Das, Atanu; Rahman, Ashiqur

dc.title	The effectiveness of micro-credit programmes focusing on household income, expenditure and savings: Evidence from Bangladesh	en
dc.contributor.author	Choudhury, Haque Ariful
dc.contributor.author	Das, Atanu
dc.contributor.author	Rahman, Ashiqur
dc.relation.ispartof	Journal of Competitiveness
dc.identifier.issn	1804-171X Scopus Sources, Sherpa/RoMEO, JCR
dc.identifier.issn	1804-1728 Scopus Sources, Sherpa/RoMEO, JCR
dc.date.issued	2017
utb.relation.volume	9
utb.relation.issue	2
dc.citation.spage	34
dc.citation.epage	44
dc.type	article
dc.language.iso	en
dc.publisher	Univerzita Tomáše Bati ve Zlíně (UTB), Fakulta managementu a ekonomiky
dc.identifier.doi	10.7441/joc.2017.02.03
dc.relation.uri	https://www.cjournal.cz/index.php?hid=clanek&bid=archiv&cid=248&cp=
dc.subject	MFIs	en
dc.subject	Collateral	en
dc.subject	Poverty	en
dc.subject	ASA	en
dc.subject	BRAC	en
dc.subject	Grameen Bank	en
dc.subject	Bangladesh	en
dc.description.abstract	This paper assesses the effectiveness of microfinance on household income, expenditure and savings. The survey examined those borrowers who had successfully completed at least three cycles of a loan. A household level survey (N=3000) was carried out to collect information about individuals receiving microcredit from one of the largest NGOs, ASA. The authors employed a multiple regression and discovered that the microcredit programme of ASA has a significant positive impact on household income, expenditures and savings. Moreover, the paper reveals that the level of education plays an important and statistically significant role in increasing the household income, expenditure and savings. Hence, the ASA microcredit programme has a positive impact on reducing poverty in Bangladesh and enhancing the competitiveness of deprived rural and urban households in improving their standard of living.	en
utb.faculty	Faculty of Management and Economics
dc.identifier.uri	http://hdl.handle.net/10563/1007558
utb.identifier.obdid	43876676
utb.identifier.scopus	2-s2.0-85050496572
utb.identifier.wok	000411799600004
utb.source	j-wok
dc.date.accessioned	2018-01-15T16:31:27Z
dc.date.available	2018-01-15T16:31:27Z
dc.description.sponsorship	Internal Grant Agency of FaME TBU [IGA/FaME/2017/010]
dc.rights	Attribution 4.0 International
dc.rights.uri	https://creativecommons.org/licenses/by/4.0/
dc.rights.access	openAccess
utb.contributor.internalauthor	Rahman, Ashiqur
utb.fulltext.affiliation	Md. Ariful Haque Choudhury Deputy Director ASA Bangladesh Address: ASA Tower, 23/3 Bir Uttam Sharak Shyamoli, Dhaka-1207, Bangladesh E-mail: arif.tanzil@gmail.com Atanu Das Research Officer, ASA Bangladesh Address: ASA Tower, 23/3 Bir Uttam Sharak Shyamoli, Dhaka-1207, Bangladesh E-mail: atdas@asabd.org Ashiqur Rahman Doctoral Candidate in Finance Tomas Bata University in Zlín Department of Enterprise Economics Faculty of Management and Economics Address: Mostni 5139, 76001 Zlin Czech Republic E-mail: rahman@fame.utb.cz
utb.fulltext.dates	-
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utb.fulltext.sponsorship	The authors are thankful to the Internal Grant Agency of FaME TBU No. IGA/FaME/2017/010: Financial Constraints on Economic Activities, for financial support to carry out this research.
utb.wos.affiliation	[Ariful, Choudhury Haque; Atanu, Das] ASA Bangladesh, ASA Tower,23-3 Bir Uttam Sharak, Dhaka 1207, Bangladesh; [Ashiqur, Rahman] Tomas Bata Univ Zlin, Finance, Dept Enterprise Econ, Fac Econ & Management, Mostni 5139, Zlin 76001, Czech Republic
utb.scopus.affiliation	ASA Bangladesh, ASA Tower, 23/3 Bir Uttam Sharak Shyamoli, Dhaka, 1207, Bangladesh; Tomas Bata University in Zlín, Department of Enterprise Economics, Faculty of Management and Economics, Mostni 5139, Zlin, 76001, Czech Republic
utb.fulltext.projects	IGA/FaME/2017/010