Impact of microcredit on income and employment of self-help group members in Punjab
Does credit size matter
Bibliographic Data
| ID | 4388213 |
|---|---|
| Authors | Munish Kapila (Department of Management Guru Nanak Institute of Management and Technology Gujar Khan Campus, Gujarkhan Road, Model Town, Ludhiana Punjab 141001 India), Prateek Kalia (0000-0003-2209-1778, Department of Corporate Economy, Faculty of Economics and Administration Masaryk University Lipová 41A Brno 602 00 Czech Republic, corresponding author) |
| Year | 2022 |
| Volume | 72 |
| Issue | 243 |
| Pages | 193-208 |
| Publication date | 2022-03-01 |
| Peer Reviewed | Yes |
| Open Access | Yes |
| Type | ARTICLE |
| Venue | International Social Science Journal (JOURNAL) |
| Journal identifiers | ISSN: 0020-8701 • E-ISSN: 1468-2451 |
| Publisher | Wiley (PUBLISHER • GB) |
| DOI | 10.1111/issj.12311 |
| OpenAlex | W4205532980 |
| Language | EN |
| References cited | 42 |
This study evaluates the impact of microcredit on the income and employment level of participants before and after joining self-help groups (SHGs) and variations based on the size of microcredit. Data was solicited from 318 SHG members using multistage random sampling. The mean value of income and employment of SHG members before and after joining SHGs were compared by using t-statistics. The logistic regression technique was used to ascertain whether the income and employment level of SHG members varies significantly with the size of microcredit. We found significant improvement in the income and employment levels of participants after joining SHGs. The results of the logistic regression model revealed that the probabilities of members earning an income of more than 3,000 Indian Rupees (INR) per month and having employment of more than 180 days were very high among large borrowers as compared to small borrowers
Business · Demographic economics · Economic growth · Economics · Entrepreneurship · Logistic regression · Microfinance · Multistage sampling · Self-employment · Socioeconomics · Statistics · Finance · FinTech, Crowdfunding, Digital Finance · Islamic Finance and Banking Studies · Mathematics · Microfinance and Financial Inclusion
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| Citation velocity | historical |
|---|---|
| Highly cited | No |