Sustainability of a government targeted credit program

Khandker, Shahidur R.; Khan, Zahed Hossain; Khalily, Baqui

doi:10.1596/0-8213-3516-2

Cited by 42 publications

(22 citation statements)

References 5 publications

Supporting

Mentioning

Contrasting

Unclassified

Order By: Relevance

“…According to Khandker (1995) pervasive poverty affected millions of people in Bangladesh at many levels, and its alleviation required diverse measures. The most important interventions were those which provided employment and income generation opportunities to the rural poor, and enabled them enhance their living standards.…”

Section: Statement Of the Problemmentioning

confidence: 99%

Factors Influencing Involvement in Nonfarm Income Generating Activities Among Local Farmers: The Case of Ughelli South Local Government Area of Delta State, Nigeria

Ovwigho¹

2014

SAR

View full text Add to dashboard Cite

The study investigated the factors influencing the involvement of farm families in non farm income generating activities. Multi -stage and stratified simple random sampling procedures were used to compose the sample. The sample was made up of seventy two (72) heads of rural farm families. Data were collected by use of structured interview schedule and Focus Group Discussion. Data were analysed by simple percentage, Chi square test, multiple regression and correlation There was a significant relationship between number of non farm income generating activities and demographic characteristics (R 2 = 0.870). Farm size (t = -2.386; p = 0.020), level of education (t = -4.227; p = 0.00), and household size (t = 5.404; p = 0.00) were significant and constant predictors of number of non farm income generating activities engaged in by the farm families. A significant relationship was found between involvement in non farm income generating activities and soil degradation due to infertility (X 2 = 23.66, p < 0.01) and oil spillage (X 2 = 26.01, p < 0.01). The study established a linear relationship between number of income generating activities and demographic characteristics. Extension workers should take into cognisance all rural income generating activities engaged in by the farm families when embarking on services and programmes aimed at improving their welfare.

show abstract

Section: Statement Of the Problemmentioning

confidence: 99%

Factors Influencing Involvement in Nonfarm Income Generating Activities Among Local Farmers: The Case of Ughelli South Local Government Area of Delta State, Nigeria

Ovwigho¹

2014

SAR

View full text Add to dashboard Cite

show abstract

“…Hulme and Mosley (1996) studied the improvement in income of 4,000 borrowers compared with control groups across four countries and concluded that microfinancing actually alleviates poverty. A number of social indicators, such as health and infant mortality, children's education, nutritional adequacy and attainment of food security, have been used to assess the performance of MFIs in other studies (see Foundation for Development Corporation, 1992;Pitt and Khandker, 1996;Khandker, Khan and Khalily, 1995;Khandker and Khalily, 1996;ADB, 2000;Dunford, 2001;CGAP, 2002). These studies have all confirmed that microfinancing helps to improve the income and quality of life of the poor.…”

Section: Performance Of Microfinancing Institutionsmentioning

confidence: 99%

Does product diversification and emphasis on profitability in microfinancing alleviate poverty?

Nanayakkara¹,

Mia²

2017

Asia-Pacific Development Journal

View full text Add to dashboard Cite

Microfinancing institutions (MFIs) are likely to change their management policies and focus more on profitability and product diversification as they mature and expand in size because of a number of reasons, including among them, donor pressure and/or lack of funding to expand. The present study empirically tests whether such changes occur in MFIs over time and how these changes affect their performance with regard to alleviating poverty. Using data from a sample of 234 MFIs from around the world, including in the Asia-Pacific region, the study analyses the relationships between age, size, product diversification and emphasis on profitability of MFIs and their impact on the performance in alleviating poverty. Multiple regression techniques and path analysis were used to test the above relationships. The main analysis was also repeated on MFIs in the Asia-Pacific region to assess the relevance of the findings of the main study to the Asia-Pacific region. Results of the main analysis comprising the 234 MFIs in the sample show that MFIs expand in size with age. As MFIs mature, they diversify to offer other services in addition to providing loans (product diversification). However, size acts as a mediating variable in this relationship. Ageing leads to more emphasis on profitability, which, in turn, leads to an

show abstract

“…Better road connection can reduce transaction costs of accessing credit and markets. Khandker et al (1995) noted that infrastructure and market connection determine the yields, farming productivity, and credit repayment by clients of Grameen Bank in Bangladesh. Similarly, Paxton (1996) asserted that better access to markets improves household credit repayment.…”

Section: After Matchingmentioning

confidence: 99%

Is Access to Agribank Credit an Effective Tool in Improving Household Income? Evidence from the Northern Mountainous Region of Vietnam

Luan¹,

Vu²,

Huong³

et al. 2016

ASS

View full text Add to dashboard Cite

Access to credit has been thought to be a key factor in rural development and poverty reduction. In Vietnam, the Vietnam Bank for Agriculture and Rural Development (Agribank) emerged from the mono-tier banking system in 1988 and performs as a profit-oriented commercial bank sustaining the development of rural areas. During the last two decades, the bank has clearly expanded its share of credit outstanding in total rural credit market volume and this process is in line with the trending development of the national economy. The aim of this study is to examine whether Agribank credit improves household income in the Northern Mountains of Vietnam, where the poor and ethnic minorities are overrepresented in the population. In order to create robust estimates, a joint consideration of all four matching algorithms (nearest-neighbor matching, radius matching, Kernel matching and stratification matching) is applied to the Propensity Score Matching. The study found that access to extension services, ethnicity, and total savings emerged as reliable predictors of credit access among household endowments. Loan volumes increase with total value of household assets. In addition, the impact of credit lies in the range increase of 14.56% to 43.78% of total income, 12.09% to 51.83% of per capita income and 43.64% to 111.60% of nonfarm income of household with credit access. The agricultural bank credit has contributed in improving household income in the Northern Mountains of Vietnam. Results in this study provide further support for the hypothesis that the remarkable progress in poverty reduction in the last two decades in Vietnam is partly attributed to the development of Agribank credit. Experiences of the Agribank in lending to rural areas could be worthwhile for intermediary financial institutions to support rural development in Vietnam.

show abstract

Sustainability of a government targeted credit program

Cited by 42 publications

References 5 publications

Factors Influencing Involvement in Nonfarm Income Generating Activities Among Local Farmers: The Case of Ughelli South Local Government Area of Delta State, Nigeria

Factors Influencing Involvement in Nonfarm Income Generating Activities Among Local Farmers: The Case of Ughelli South Local Government Area of Delta State, Nigeria

Does product diversification and emphasis on profitability in microfinancing alleviate poverty?

Is Access to Agribank Credit an Effective Tool in Improving Household Income? Evidence from the Northern Mountainous Region of Vietnam

Contact Info

Product

Resources

About