标题： 微额贷款对客户生计的影响 -- 逊纳姆甘杰地区的研究 显示英文标题

标题： Impact of micro-credit on the livelihoods of clients -- A study on Sunamganj District

摘要： 本文的目的是评估微额贷款对Sunamganj地区Sylhet,孟加拉国haor区域客户生计的影响。 研究的主要发现是，66.2%的借款人受访者和98.7%的非借款人是家庭的户主，平均76.6%的借款人中32%是夫妻，而非借款人中有1.3%，平均为22.2%。 在性别方面，64.7%的借款人和92.5%的非借款人是男性，而35.3%的借款人和7.5%的非借款人是女性。 基于DID方法，微额贷款对正式和非正式信贷接收家庭的影响显示，总收入、总支出和投资分别增加了13.57%、10.39%和26.17%。 总收入的所有要素都有所增加，除了债务减少了2.39%。 但债务的减少是积极影响的好迹象。 食品消费有所增加，而非食品消费有所减少。 投资的所有要素都有所增加，除了某些因素。 由于投资过度增加，储蓄有所减少。 该研究建议，为了通过微额贷款打破贫困的恶性循环，贷款期限应至少为五年，贷款规模必须至少为500,000，还款不应少于每月一次。 利率不应超过5%。 显示英文摘要

摘要： The objective of this paper is to assess the impact of micro credit on the livelihoods of the clients in the haor area of Sunamganj district, Sylhet, Bangladesh. The major findings of the study are that 66.2 percent respondents of borrowers and 98.7 non-borrowers are head of the family and an average 76.6 percent and among the borrowers 32 percent is husband/wife while 1.3 percent of non-borrowers and on average 22.2. In terms of sex 64.7 percent of borrowers and 92.5 percent of non-borrowers are male while 35.3 percent of borrowers and 7.5 percent of non-borrowers are female. The impact of micro-credit in terms of formal and informal credit receiving households based on DID method showed that total income, total expenditure and investment have been increased 13.57 percent, 10.39 percent and 26.17 percent. All the elements of total income have been increased except debt which has been decreased by 2.39 percent. But the decrease in debt is the good sign of positive impact of debt. Consumption of food has been increased but non-food has been decreased. All the elements of investment have been increased except some factors. The savings has been decreased due excess increase in investment. The study suggested that for breaking vicious cycle of poverty by micro-credit the duration of loans should be at least five year and the volume of loans must be minimum 500,000 and repayment should at not be less than monthly. The rate of interest should not be more than 5 percent.