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Does Microcredit Help the Poor and Financially Marginalized Communities? Experience of Pakistan

In: Poverty Reduction Policies and Practices in Developing Asia

Author

Listed:
  • Zahoor Khan

    (Universiti Sains Malaysia)

  • Jamalludin Sulaiman

    (Universiti Sains Malaysia)

Abstract

The study aims to evaluate the microcredit programs operating across the Pakistan. Microsurvey dataMicrosurvey data collected by Gallup Pakistan at the national level have been used. The sample size of the study consists of 2,070 respondents. The impact of the microcredit program on their clients has been evaluated by using descriptive statistics, multiple regression, the mean difference model (MDM), and quartiles. The study reveals that microcredit program in Pakistan may not be helpful for extreme poor in its operational areas across the country because disbursement of credit to the lower quartile income poor does not yield fruitful income change. Despite an overall positive change (7.76 %) in income, these programs show weak evidences of benefiting the lower quartile communityQuartile community members during the study period. The study suggests that microcredit is not equally beneficial to all segments of the poor.

Suggested Citation

  • Zahoor Khan & Jamalludin Sulaiman, 2015. "Does Microcredit Help the Poor and Financially Marginalized Communities? Experience of Pakistan," Economic Studies in Inequality, Social Exclusion, and Well-Being, in: Almas Heshmati & Esfandiar Maasoumi & Guanghua Wan (ed.), Poverty Reduction Policies and Practices in Developing Asia, edition 127, chapter 0, pages 31-52, Springer.
    • Handle: RePEc:spr:esichp:978-981-287-420-7_3
    DOI: 10.1007/978-981-287-420-7_3
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    Cited by:

    1. Scott Hipsher, 2017. "Poverty Reduction, Wealth Creation, and Tourism in Ethnic Minority Communities in Mainland Southeast Asia," International Journal of Sustainable Entrepreneurship and Corporate Social Responsibility (IJSECSR), IGI Global, vol. 2(1), pages 39-53, January.

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