The impact of micro credit on livestock enterprise development in district Abbottabad (a case of SRSP micro credit programme).

摘要

The study was conducted with the aim to analyze the impact of a micro credit program of Sarhad Rural Support Programme for livestock enterprise development in six villages of district Abbottabad, NWFP. The study was carried out in April 2006. From the field survey, it was found that SRSP disbursed credit on pilot basis to 60 households for livestock enterprise development. All the loannees were selected for the study to examine the effect of credit on their livelihood. It was found that 33% households utilized credit in accordance with the project objectives. As a result of income of the households increased which resulted positive effect on the consumption as well as children education of the sample households. The study also depicted that 67% miss-utilized credit and therefore no impact on their socioeconomic conditions was identified. The study recommends measures such as provision of credit to the potential borrowers, training the community people in the establishment and development of livestock enterprises, and monitoring for the proper utilization of credit.