Ali, Md. Isahaque
(2013)
Microfinance And Zakat As Community
Development Instruments For Poverty
Reduction In Bogra District, Bangladesh.
PhD thesis, Universiti Sains Malaysia.
Abstract
The purpose of the study was to evaluate the effects of microfinance
programs on poverty reduction in the district of Bogra, Bangladesh. The multifaceted
poverty is a serious issue in Bangladesh, and microfinance is considered one
of the most effective and flexible tools in the fight against poverty in Bangladesh.
However, still about 45% people live below the poverty line in Bangladesh. The
objectives of this study were to examine the role of microfinance programs in
poverty reduction in the district of Bogra; to evaluate the effectiveness of
microfinance programs on poverty reduction; to identify the contributing factors for
high dominance of poverty; to analyze the role of zakat to increase the household
income; and to recommend dependable poverty reduction policy that will improve
the living standard of Bangladeshi poor citizenry. This study was based on data
collected from Bogra district in 2011. The respondents of the study were 400
microfinance beneficiaries from Grameen Bank recruited with simple random
sampling. A self- established criterion that they should have a minimum couple of
years of micro finance experiences was applied for their recruitment. Questionnaire
survey, in-depth interviews and Focus Group Discussions (FGD) were employed to
collect data in order to ascertain the state of affairs of microfinance recipients of
Grameen Bank. The quantitative findings suggested that there was no significant
relationship of microfinance on specific variables such as household income,
education opportunities, employment, health, nutrition, sanitations facilities and
women`s empowerment in the district of Bogra.
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