Title of Thesis
Impact of Microfinance on Poverty
FUIEMS Foundation University, Islamabad
|Number of Pages|
|Keywords (Extracted from title, table of contents and
abstract of thesis)|
Microfinance, Poverty, Alleviation, Household, Welfare, Enterprise,
Management, Impact, Assessment
objective of this thesis is to analyze the impact of microfinancing
on poverty through a sample survey of four microfinance
institutions, using concepts: like household income/expenditure,
asset holdings and diversity, education and various measures of
vulnerability at household and enterprise level.
The study employed the tool developed in collaboration by Assessing
the Impact of Microenterprise Services (AIMS) and Small Enterprise
Education and Promotion network (SEEP). The tool has been modified
in the local context. Face to face structured interviewing was used
to collect primary data.
Chi square test is used to analyze the difference between incoming
(Less than one year) and established clients (2-5 years) on the
basis of poverty indicators established at household and enterprise
level. Role of demographic and other independent variable is
analyzed with the help of multinomial regression analysis.
The evidence turns out to be mixed one like (i) strong positive
impact on children education and enterprise financial performance.
(ii) mixed evidence on food security,household expenditures and
household assets and no impact has been observed on housing and
income smoothening of enterprise. Present study can be very useful
to IA practitioners and policy makers. This research has
made a significant contribution in unraveling some of the myths of
microfinance hence advancing literature and research on this