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The microcredit program in Bangladesh is a unique innovation of credit delivery designed to enhance the income generating activities of the poor. Its uniqueness is reflected in its collateral-free group-based lending strategy. The program extends small loans to poor people, mainly women, for self-employment activities thus allowing clients to achieve a better quality of life. This program is regarded as a very exciting anti-poverty tool for the poorest, especially for women. This study investigates the impact of microcredit on economic indicators as well as consumption behaviour of the borrowers. It further analyses the impact of microcredit on women’s empowerment. Primary data has been collected from the borrowers of two major microcredit institutions in Bangladesh. Alongside the borrowers, data have also been collected from non-borrowers of the same village to compare the impact between borrowers and control group. The empirical work has used sophisticated econometric techniques. Five different econometric methods - OLS, 2SLS, Probit, Tobit and SURE estimators - have been applied to the sample data of this study. The most important finding indicates that microcredit programs are effective in increasing borrowers’ income, assets and consumption but it is more pronounced towards high income borrowers than low income borrowers. It further finds that microcredit programs are empowering for women. / Doctor of Philosophy (PhD)

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This item was digitized as part of the Million Books Project led by Carnegie Mellon University and supported by grants from the National Science Foundation (NSF). Cornell University coordinated the participation of land-grant and agricultural libraries in providing historical agricultural information for the digitization project; the University of Arizona Libraries, the College of Agriculture and Life Sciences, and the Office of Arid Lands Studies collaborated in the selection and provision of material for the digitization project.

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In any study of the New Zealand economy today it is essential that the major feautures of her historical and geographical background be reviewed. The international ties brought about by her comparatively short history and the implications of her position in the South Pacific, both from the standpoint of climate and comparative isolation, have a vital part in the understanding of New Zealand today. [...]

The subject of the following study is Indian economic development. Today it is generally recognized that the problem of economic development is so many-sided and so much enmeshed in non-economic variables, that a purely economic approach to it must be seriously inadequate. [...]

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