IDEAS home Printed from
MyIDEAS: Log in (now much improved!) to save this article

Factors Affect Microcredit’s Demand in Pakistan

Listed author(s):
  • Ambreen Kausar


    (The Islamia University of Bahawalpur)

Registered author(s):

    The purpose of this study is to find out the factors which affect demand of micro credit in Pakistan. Microfinance institutions (especially NGO’s) are providing the services of microcredit, savings and insurance to poor people in Pakistan. The main purpose of microcredit loan is to reduce the poverty and for empowering the women mostly in developing countries. Data has been collected through questionnaire, descriptive research and interviews from Microfinance Banks and some of their clients. Credits are not available to the farmer on time in rural areas and very high interest rate is charged on loans. So there is great potential of Micro Financing. According to the research data, it is concluded that there are many factors which may affect the demand of microcredit. These includes the interest rate, relationship between lenders and borrower, government policies, gender differences, credit worthiness of borrower, transaction cost, limited access to credit, economic condition and the availability of information. This helps in analyzing the barriers which creates hurdle for borrower and lender for operating microcredit in country. So microfinance institutions have to take under consideration about the factors which may effect in the demand of microcredit.

    If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.

    File URL:
    Download Restriction: no

    File URL:
    Download Restriction: no

    Article provided by Human Resource Management Academic Research Society, International Journal of Academic Research in Accounting, Finance and Management Sciences in its journal International Journal of Academic Research in Accounting, Finance and Management Sciences.

    Volume (Year): 3 (2013)
    Issue (Month): 4 (October)
    Pages: 11-17

    in new window

    Handle: RePEc:hur:ijaraf:v:3:y:2013:i:4:p:11-17
    Contact details of provider: Web page:

    No references listed on IDEAS
    You can help add them by filling out this form.

    This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.

    When requesting a correction, please mention this item's handle: RePEc:hur:ijaraf:v:3:y:2013:i:4:p:11-17. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Hassan Danial Aslam)

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If references are entirely missing, you can add them using this form.

    If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    This information is provided to you by IDEAS at the Research Division of the Federal Reserve Bank of St. Louis using RePEc data.