The Role Of Grameen Bikas Bank In Poverty Reduction: A Case Study Of Dhangadhi Municipality, Kailali

Abstract

Grameen Banks are basically rural banks that offer a comprehensive package consisting of loan facility, literacy programmes, general health and sanitation to landless and poorest of the poor people in order to uplift their socio-economic condition and general living standard. The main objective of this study is to find out the role of Area office Dhangadi of SP-GBB in poverty reduction. It is found that majority of GBB beneficiaries are economically and socially underprivileged poor families of different castes. The survey data shows that most of member have in creased their income, saving, living standard and social status after intervention of GBB programmes. Most of participants have spent their income for household consumption, child education and loan repayment, and some few are investing on field property. There is a vast majority of the respondents who have taken loan for small trade. It is proved that there is increase in income, increase in property, utilization of saving, increase in education, living standard, occupation etc. The overall research found out the Sudur Paschimanchal Grameen Bikas Bank has played a remarkable role in reducing poverty in the study area. The bank’s social and credit programmes contributed to increase in income, employment, saving, consumption, health and sanitation which constitute the major indicators of change in poverty