Perception and Attitude of Microcredit Borrowers towards Effectiveness of Agricultural Diversification and Intensification Project in Bangladesh

Mahmud, Kazi Tanvir; Mohamed, Zainal Abidin; Ismail, Mohd Mansor; Shamsudin, Mad Nasir; Hilton, David

doi:10.1177/1018529120070205

Cited by 8 publications

(9 citation statements)

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“…Regression coefficients, especially duration receiving loans (years), amount of loan, number of employee, and age of the respondents appears to have positive effects on total income after the respondents joins AIM program. The results of the study is consistent as studied by Mahmud et al (2007), Norma and Jarita (2011), Twyeafur and Hafiz (2012) and and Mohummed and Mencong (2013) where the amount of loan received and number of employee are positively contributed to the monthly income of the recipients respectively in Bangladesh. Similarly the duration of loans, age and household size of the respondents were found to be significant as influential determinants on income at 5 % level.…”

Section: Well-beingsupporting

confidence: 88%

Effectiveness of microcredit program and determinants of income among small business entrepreneurs in Malaysia

Terano¹,

Mohamed²,

Jusri³

2015

J Glob Entrepr Res

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Together with Singapore, Malaysia is one of the successful cases in Asia achieving rapid economic growth. However the issues of poverty still being discussed today. Amanah Ikthiar Malaysia (AIM) is one of the dominant players contributing to the poverty eradication program in Malaysia engaging in microcredit program with supports from Malaysian government. Since microcredit has been effective as a poverty eradication agent among the poor, it is important to investigate the dimension of effectiveness of poverty eradication program carried out by AIM. The objective of this study is to investigate the dimension of effectiveness in microcredit program and to examine the determinants of total income after joining AIM program. Purposive sampling were applied to take a sample of 100 recipients of AIM microcredit program loan in Kuala Selangor, Hulu Langat, and Gombak in Selangor. Descriptive analysis, factor analysis, and multiple linear regression were used as a methodology to achieve the objective of the study. Factor analysis found four dimension of effectiveness in the microcredit program such as earning ability, payment scheme, member's cooperation, and well-being. Similarly regression analysis identified 3 variables that are significantly influence the total income after joining the program. These variables are; duration of loans received, amount of loans and number of employee. There are certain issues that need to be addressed to improve the AIM program especially those related to payment scheme and also finding timing for the recipients to graduate from the program as successful entrepreneurs.

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Section: Well-beingsupporting

confidence: 88%

Effectiveness of microcredit program and determinants of income among small business entrepreneurs in Malaysia

Terano¹,

Mohamed²,

Jusri³

2015

J Glob Entrepr Res

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“…These findings are consistent with the notion of human capital theory that developing skills of people through education and training enhances their employability (Docherty et al, 2002;Handel et al, 2016;McGuinness et al, 2017), which represents their social status and achievement (Lawy & Biesta, 2006;Lister, 1997) and their social inclusion (Vandekinderen et al, 2018). The positive association found between TVET expenditure and wages is also consistent with existing empirical studies, which reported the significant contribution of TVET in enhancing individual's skill (Jothilakshmi et al, 2009), income (Benhabib & Spiegel, 1994;Mahmud et al, 2014;Mankiw, Romer, & Weil, 1992), and economic well-being (Mahmud et al, 2007). Second, 13% increase in the economic growth of a country accounted for an increase in social inclusion.…”

Section: Discussionsupporting

confidence: 78%

Quadratic Indirect Effect of National TVET Expenditure on Economic Growth Through Social Inclusion Indicators

Asadullah¹

2019

Sage Open

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The recent movement of social-investment state encouraged national educational initiatives taken by the policy makers of developed countries to enhance individual's social inclusion for national economic gains. Benefiting from human capital theory, the author has reexamined the indirect effect of nation expenditure of technical and vocational education and training (TVET) on economic growth through social inclusion by isolating the effective key social inclusion dimensions (employment, earnings, and multidimensional poverty) from each other. A 15-year data set, ranging from 2000 to 2014, collected from Organisation for Economic Co-operation and Development (OECD) database of 21 OECD member European countries was used for hypotheses testing. The statistical results obtained through the quadratic indirect effects demonstrate clear support for the entire hypotheses. However, the results demonstrate that the indirect effects decrease as the values of TVET expenditure increases, particularly, when the indirect effect is investigated through the wages or when the overall index value of social inclusion indicators is introduced as a mediator. The study offers some implications for the researchers and the policy makers who are interested in determining the overall effectiveness of human capital development initiatives in the welfare-state/social-investment states.

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“…Mahmud et al . () conducted a study on female borrowers who were agricultural workers and found that training played a positive role in improving their economic well‐being. Jothilakshmi et al .…”

Section: The Effectiveness Of Trainingmentioning

confidence: 99%

“…According to the authors, family size and possession of fishing equipment were the key determinants of household income. Mahmud et al (2007) conducted a study on female borrowers who were agricultural workers and found that training played a positive role in improving their economic well-being. Jothilakshmi et al (2009) reported that a training program had played a vital role in improving the competency level of women in India in pursuing their farming activities.…”

Section: The Effectiveness Of Trainingmentioning

confidence: 99%

“…The economy of Bangladesh is predominantly based on agriculture (Mahmud et al ., , ), which consists of four sectors: crops, fishery, livestock and forestry (Mahmud et al ., ). Agriculture plays a crucial role in the economy of Bangladesh and its contribution to the country's gross domestic product (GDP) was 13.09 per cent in the fiscal year 2012/13 (Ministry of Finance, ).…”

Section: Introductionmentioning

confidence: 99%

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The role of training in reducing poverty: the case of agricultural workers receiving microcredit in Bangladesh

Mahmud

Parvez

Hilton³

et al. 2014

Int J Training Development

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The policy of providing microcredit and skill training to poor agricultural workers in developing countries is wellestablished. In this study, an attempt has been made to assess the effectiveness of the training part of that policy. BRAC (formerly the Bangladesh Rural Advancement Committee), the largest non-governmental organization in Bangladesh, is making efforts to alleviate poverty by providing microcredit and relevant training to landless and marginal borrowers, who have less than 1.5 acres of land, in order to enhance their standard of living. The study aims to assess the effects of BRAC's training programs on the recipients' total household expenditure. Primary data were collected from female borrowers who participated in the microcredit programs of BRAC and these data reflect the key role women play in agricultural work and the lack of research on their status. The study shows that the training provided to the borrowers failed to create any significant impact on their household expenditure because only a small percentage of borrowers received training and the duration of the training was limited (on average three days per person). Moreover, many of those who received training experienced only a modest income effect. The findings are important ❒ not just for the practical purpose of influencing policies for reducing poverty in Bangladesh but also for their contribution to the understanding of the effectiveness of training. The existing literature is concerned mainly with the effectiveness of training in the context of business and other organizations in developed countries. Research on the effectiveness of training in developing countries, particularly in alleviating poverty, is less evident. Moreover, the present research is also exceptional as it focuses only on female trainees.

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Perception and Attitude of Microcredit Borrowers towards Effectiveness of Agricultural Diversification and Intensification Project in Bangladesh

Cited by 8 publications

References 0 publications

Effectiveness of microcredit program and determinants of income among small business entrepreneurs in Malaysia

Effectiveness of microcredit program and determinants of income among small business entrepreneurs in Malaysia

Quadratic Indirect Effect of National TVET Expenditure on Economic Growth Through Social Inclusion Indicators

The role of training in reducing poverty: the case of agricultural workers receiving microcredit in Bangladesh

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