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Gender Based Utilization of Microfinance: An Empirical Evidence from District Quetta, Pakistan

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  • Abdul Naeem
  • Sana -ur- Rehman

Abstract

This study examines the impact of microfinance on gender based income generating activities of the Khushhalli Bank Ltd client’s in urban zone of district Quetta during year 2011. The Primary data was collected through structured questionnaire from 80 clients (60 beneficiaries and 20 non-beneficiaries) by adopting cross sectional experimental design. In order to analyze the collected data the t-tests were applied. The results show that the microfinance has a positive impact on both male as well female beneficiaries as compare to non-beneficiaries in term of increase in business performance. It has non-significant impact on average sale revenue of both male as well as female micro-entrepreneurs. Whereas it has a significant impact on average net profit, average fixed assets as well as average net worth of the male but having non-significant impact on female established micro-entrepreneurs. Comparison of gender based business performance reveals that the microenterprises operated by male are able to generate better revenue and net income performance also the same results are obtained in case of enhancement in fixed assets as well as net worth. So we may confidently say that male clients are able in utilizing the microfinance services more effectively as compared to female.

Suggested Citation

  • Abdul Naeem & Sana -ur- Rehman, 2016. "Gender Based Utilization of Microfinance: An Empirical Evidence from District Quetta, Pakistan," International Business Research, Canadian Center of Science and Education, vol. 9(10), pages 162-168, October.
    • Handle: RePEc:ibn:ibrjnl:v:9:y:2016:i:10:p:162-168
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    References listed on IDEAS

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    1. Thapa, Ganesh, 2006. "Sustainability and Governance of Microfinance Institutions: Recent Experiences and Some Lessons for Southeast Asia," Asian Journal of Agriculture and Development, Southeast Asian Regional Center for Graduate Study and Research in Agriculture (SEARCA), vol. 3(01-2), pages 1-22, December.
    2. Dean Karlan & Jonathan Zinman, 2010. "Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts," The Review of Financial Studies, Society for Financial Studies, vol. 23(1), pages 433-464, January.
    3. Ganesh Thapa, 2006. "Sustainability and Governance of Microfinance Institutions: Recent Experiences and Some Lessons for Southeast Asia," Asian Journal of Agriculture and Development, Southeast Asian Regional Center for Graduate Study and Research in Agriculture (SEARCA), vol. 3(1&2), pages 17-37, December.
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    JEL classification:

    • R00 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General - - - General
    • Z0 - Other Special Topics - - General

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