Individual’s Perception in Microcredit: A Case Study in the Area of HSTU, Dinajpur, Bangladesh Shahnaz Parvin

Individual’s Perception in Microcredit: A Case Study in the Area of HSTU, Dinajpur, Bangladesh

Author (s)

Shahnaz Parvin

Abstract

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The purpose of this study is to contribute to the literature by investigating the impact of microcredit programs on how individuals perceive microcredit and the facts about it.This study also investigates the efficiency of management policies of microcredit institutions in targeting the ‘real’ poor. Lastly, provide some insights on how to enhance these programs’ effectiveness in alleviating poverty. This study adds to the existing literature, which found that microcredit programs had a positive impact on participants’ income, expenditure, quality, quantity, and education. Furthermore, the findings show a significant relationship between microcredit and an increase in the recipient’s business profits and capital in countries such as Bangladesh. The researchers discovered, however, that providing microcredit was able to increase individuals’ feelings of empowerment and independence. Moreover, the targeting criteria of microcredit institutions are found to be very efficient in being able to reach the extreme poor. Finally, the study referred to common challenges in the microfinance business that, apparently, microfinance institutions in Bangladesh are facing.

 Keywords: Micro Credit, Perception, Bank, Micro Finance and Empowerment.

 

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Title: Individual’s Perception in Microcredit: A Case Study in the Area of HSTU, Dinajpur, Bangladesh
Author: Shahnaz Parvin
Journal Name: International Journal of Science and Business
Website: ijsab.com
ISSN: ISSN 2520-4750 (Online), ISSN 2521-3040 (Print)
DOI: https://doi.org/10.5281/zenodo.5017475
Media: Online
Volume: 5
Issue: 8
Acceptance Date: 20/06/2021
Date of Publication: 23/06/2021
PDF URL: https://ijsab.com/wp-content/uploads/791.pdf
Free download: Available
Page: 183-193
First Page: 183
Last Page: 193
Paper Type: Research paper
Current Status: Published

 

Cite This Article:

Shahnaz Parvin (2021). Individual’s Perception in Microcredit: A Case Study in the Area of HSTU, Dinajpur, Bangladesh. International Journal of Science and Business, 5(8), 183-193 doi: https://doi.org/10.5281/zenodo.5017475

Retrieved from https://ijsab.com/wp-content/uploads/791.pdf

 

About Author (s)

Shahnaz Parvin, Department of Finance and Banking, Hajee Mohammaad Danesh Science and Technology University, Dinajpur, Bangladesh. Email: shahnazhstu09@gmail.com

 

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DOI: https://doi.org/10.5281/zenodo.5017475

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