文章基本信息

标题：Impact of Micro-Credit on Livelihoods of Rural Poor in the Punjab, Pakistan
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作者：Muhammad Luqman ; Shiwei Xu ; Yu Wen 等
期刊名称：Open Journal of Social Sciences
印刷版ISSN：2327-5952
电子版ISSN：2327-5960
出版年度：2016
卷号：04
期号：05
页码：305-313
DOI：10.4236/jss.2016.45034
语种：English
出版社：Scientific Research Publishing
摘要：Rural poverty is a major socio-economic issue of many of the developing countries including Pakistan. Different strategies are being used to combat with rural poverty including disbursement of micro-credit by different state or non-state institutions in the country. In order to find out the impact of micro-credit on livelihoods of rural poor in the Punjab province of Pakistan, the present study was designed. Survey research design using mix method approach to data collection was used. Both probability (simple random) and non-probability sampling procedure was adopted for the selection of study objects. The total sample size of study was 150 (both male and female recipients of micro-credit). Descriptive (Frequency, %, mean, SD) and inferential statistics (multiple regression) was used for the interpretation of data through SPSS. It was concluded from the results that majority of the recipients of micro-credit was belong to young age category (mean age 36 Years) with low educational status. The educational level of rural women is very low compared to men. A large majority (78.0%) of the micro-credit recipients were female having low monthly income (119USD). Disbursement of micro-credit was one of the major strategies to cope with the issues of rural poverty. The average loan size as received by respondents was continuously increasing every year. In the research area illiteracy was on the top among other reasons of poverty with highest mean value (4.49/5.00). Majority of the respondents reported that micro-credit had significant impact in uplifting their livelihoods. It was suggested that micro-credit disbursement to the poor is not a sustainable solution to reduce poverty. The state should start other income generation activities in rural areas.
关键词：Impact;Micro-Credit;Livelihoods;Rural Poverty;Pakistan