http://localhost:8080/xmlui/handle/123456789/46 2026-04-24T15:38:28Z http://localhost:8080/xmlui/handle/123456789/482 EFFECT OF CREDIT ON GDP AND POVERTY: BANGLADESH PERSPECTIVE ROY, TANNI ABSTRACT In Bangladesh, credit can play a very important role in achieving expected economic growth. This research has been conducted to investigate the disbursement of credit status, impact of credit on Gross Domestic Product (GDP), Agricultural GDP, and poverty reduction in Bangladesh. To achieve the objectives of this research Grameen Bank, BRAC, ASA and Bangladesh Krishi Bank were selected. Because, these three NGOs are the largest credit organizations in Bangladesh and Bangladesh Krishi Bank (BKB) is the largest government agricultural loan distributor in Bangladesh. Data on loan disbursement amount, number of member, number of village covered and number of branch were collected from the above NGOs and GOs. Total 39 years data on GDP, Agricultural GDP and poverty trend were collected from Bangladesh Bureau of Statistics (BBS) and Household Income and Expenditure Survey (HIES). Descriptive statistics were used to investigate the overview of credit trend, GDP, Agriculture GDP and poverty trend. After necessary testing, fixed effect model was performed to evaluate the impact of credit on GDP, Agricultural GDP and poverty reduction. Result shows that amount of credit has positive and significant effects on GDP, Agricultural GDP and loan amount is negatively associated with poverty. An increase in the number of branches of different area leads to an increase in the number of member, which then corresponds to an increase in the loan disbursement amount. It can be concluded that government and NGO‘s credit should be expanded for increasing GDP and reducing poverty. 2016-06-01T00:00:00Z http://localhost:8080/xmlui/handle/123456789/481 IMPACT OF BRAC MICROCREDIT AMONG WOMEN BENEFICIARIES IN SELECTED AREAS OF SYLHET DISTRICT ROY, PRIYA The present study dealt with the impact of microcredit among women beneficiaries in selected areas of Sylhet district. Socio-economic studies, adequacy, utilization, repayment and cost of credit, profitability of selected enterprises and impact of credit among the women beneficiaries constituted the objective of the study. 60 women beneficiaries of the microcredit were randomly selected from Tuker Bazar and Tultikor union of Sylhet district in which 20 were from each of petty business, poultry farming and tailoring. Both tabular and econometric techniques were used to analyze the collected data. Findings revealed that the respondents were capable of keeping small family size and maximum of them were of active age group. In the case of literacy status primary education was highest (46.67%) and no illiterate respondents were found among beneficiaries under the study area. Primary occupation for most of the borrowers was housewife in the also some of them depended on some other non-agricultural activities. Poultry farming owners held the highest position in family income, expenditure and saving followed by petty business and tailoring enterprise because of good earning ability. The adequacy of microcredit was 80.49% which reflected BRAC’s easy and friendly lending procedure for the selected enterprises. Four cost items were identified to obtain loan from BRAC and total transaction cost of poultry farming enterprise was the largest (Tk. 197.22) while it was the lowest for (Tk. 173.71) tailoring enterprise because of different factors. But effective cost of credit was highest for petty business and lowest for poultry farming. Borrowers were found having positive attitudes towards productive credit use as maximum of the borrowed money was utilized purposively by the respondents. Purposive utilization of loan money and their repayment performance was fully satisfactory. The repayment performance was 98.13%. Family income, loan amount, and profit from enterprises were the most significant factors for repayment of loan. All the enterprises under BRAC were profitable but Poultry farming ranked the highest securing position in both BCR and net return followed by tailoring and petty business in study area. After joining BRAC there was a remarkable improvement in the living standard of the respondents households. Considering all enterprises together, impact of microcredit on family income was ranked the highest according to borrower’s perception and family expenditure was also increased after getting microcredit from BRAC. It may, therefore, be inferred that BRAC led to increase family income and socio-economic status of the women borrowers in general. The study reveals that participation of women in microcredit programs is positively related and is a significant indicator of their level of empowerment. Thus, it can be concluded that development of women in Bangladesh can be significantly improved by encouraging them to participate in microcredit programs of BRAC 2016-06-01T00:00:00Z http://localhost:8080/xmlui/handle/123456789/480 AUTO RICE MILLING IN SYLHET CITY CORPORATION – A PROFITABILITY ANALYSIS RAJU, RAJIB DAS The study examines the profitability of auto rice milling, adequacy, utilization and repayment of credit taken by the millers in Sylhet City Corporation. Total sample size of the study was 30 in which small auto rice mills were 10, medium were 10 and 10 were the larger mills. Descriptive statistics was used to analyze the collected data. The Study revealed that highest proportion (36.67 percent) of the respondents belonged to age group of above 55 years with education of HSC level (43.33 percent) and average family size was the highest for medium auto rice millers (5.20). Dependency ratios for all sized of rice mill owners were found to be 3.12 which mean every one person is bearing responsibility of living of more than 3 persons. Auto rice milling was the single main occupation for all the respondents irrespective of rice mill categories. Among the categories of auto rice milling, medium auto rice millers were in the higher ranked for annual savings (9.75 percent). All cost, return, and BCR were positively related with size for all types of mill that indicates auto rice milling is a profitable business in the study area. The amount of credit received was the highest for the large mills followed by medium and smaller mills. Highest cost for getting loan was incurred for the cost of credit and major part of the loan was utilized for reported purposes. Status of repayment of loan for medium auto rice mills was 72.44 percent and large auto rice mills was 71.65 percent while it was 65.42 percent for smaller mills. Repayment performance of the borrowers was not fully satisfactory but small and large borrowers were in most disadvantageous position in terms of repayment capacity. The study concluded that auto rice milling is profitable in the study area. The study recommended that in the study area, public and private banks should enhance facilities and be liberalized in sanctioning loan to the auto rice millers. 2016-06-01T00:00:00Z http://localhost:8080/xmlui/handle/123456789/479 AN ECONOMIC STUDY OF BANANA PRODUCTION BY THE BANGLADESH KRISHI BANK BENEFICIARIES IN SOME SELECTED AREAS OF SYLHET DISTRICT SAMADDER, ANUSREE The present study is an attempt to examine the socioeconomic status of banana growers, adequacy, utilization and repayment of credit, the profitability of banana production under the Bangladesh Krishi bank loan in the study area. For these purposes, primary data were collected from 60 borrowers of the bank in selected area of Fenchuganj Upazila, who were randomly selected. Both tabular and econometric techniques were used to analyze the collected data. The findings of this study revealed that the respondents were educated and most of them were of the active age group of 41 years to above because they were conscious of the importance of education. In the case of the main occupation of banana farmer 40%, 30%, 21.67%, 5% and 6.67% were involved in business, agriculture, service, teacher and others, respectively. Most of the respondents were within medium family size in the study area. The borrowers’ saving position was more satisfactory in the study area because of good earning capability. The average amount of annual savings of all the respondent’s family, in general, was Tk. 4,62,554 during the study period. The adequacy of the loan was satisfactory. Borrowers were found to be acquainted about purposive utilization of loan money. Most of the credit amount (92.64 percent) was utilized for farming purposes. Status shows that repayment was fully satisfactory (100 percent). Multiple regression models indicate that amount of loan received, savings, age, and return from production were significant factors affecting of loan repayment. It was estimated that average annual total cost of production of banana was Tk. 240371 per acre, while gross return and net returns were Tk. 331221 per acre and Tk. 90850 per acre respectively. The benefit-cost ratio of banana cultivation was 1.38 indicating that one taka investment resulted in a net benefit of Tk. 0.38. Finally, the study identified some major problems of banana cultivation such as insufficiency of credit, the high price of inputs, lack of human labor, lack of quality sucker, lack of storage facilities etc. according to survey questionnaires answer. The credit of Bangladesh Krishi Bank benefited the credit receivers in respect of increasing income and social status. The respondents suggested some measures overcome the difficulties so that it might be more effective to bringing favorable impacts among the borrowers of the study area. The determinations of the study will generate basic economic data on the production practices of banana. The study will be helpful to the planners and policy makers in contriving micro or macro level policy for the increasing of banana production in the country. 2016-06-01T00:00:00Z