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Microcredit and Savings of Rural Households in Bangladesh

Author

Listed:
  • Latif , Muhammad Abdul

    (Senior Research Fellow, Bangladesh Institute of Development Studies (BIDS))

Abstract

This paper attempts to analyze the effect of microcredit on household savings. There are over 850 Government and Non-Government Micro Finance Institutions (MFIs) operating at national or various local levels which provide the rural poor who are landless or functionally landless with group-based small credit with the objective of increasing self-employment and income and thereby alleviating poverty. The paper hypothesizes that this microcredit has positive effects on savings of the participated households. The analysis is done with the data derived from a sample survey of 2599 households relating to the financial year 1998/99. The households include both programme participants and nonparticipants.The hypothesis is tested statistically by controlling for such variables as income and land-ownership which also influence saving, and found that microcredit has statistically significant independent effect on household savings. The policy implications that follow from the analysis are to continue with the programmes and formalize them beyond the land-poor.

Suggested Citation

  • Latif , Muhammad Abdul, 2001. "Microcredit and Savings of Rural Households in Bangladesh," Bangladesh Development Studies, Bangladesh Institute of Development Studies (BIDS), vol. 27(1), pages 51-71, March.
    • Handle: RePEc:ris:badest:0410
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    Citations

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    Cited by:

    1. Most. Nilufa Khatun, 2019. "What are the Drivers Influencing Smallholder Farmers Access to Formal Credit System? Empirical Evidence from Bangladesh," Asian Development Policy Review, Asian Economic and Social Society, vol. 7(3), pages 162-170, September.
    2. Abdul Wadud, 2013. "Impact of Microcredit on Agricultural Farm Performance and Food Security in Bangladesh," Working Papers 14, Institute of Microfinance (InM).
    3. Md. Thuhid Noor & Md. Rabiul Auwul & Saha Forid, 2018. "Impact of Micro-Credit on Poor Households in Kurigram District," Applied Economics and Finance, Redfame publishing, vol. 5(1), pages 102-124, January.

    More about this item

    Keywords

    Microcredit; Development studies; Income estimates;
    All these keywords.

    JEL classification:

    • A12 - General Economics and Teaching - - General Economics - - - Relation of Economics to Other Disciplines

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