Impact of microfinance on women empowerment: A case study of Chhimek Laghubitta Bikash Bank Ltd, Waling Municipality

Abstract

The general objective of this study is to show impact of microfinance, to examine the trend of loan disbursement in past nine years from 2069 to 2078, to explore the relationship between loan disbursement and recovery of CLBBL in Waling Municipality of ward no 7 and to examine the relationship that exists between investment and income. In this study, an attempt has been made to examine changed life-style of women after engaging CLBBL. The data were collected from primary and secondary sources. The primary data were collected by making structured questionnaire. The data for time frame range from fiscal year 2069/2070 to 2077/2078 are considered. This study have taken into consideration the data for nine years and analyzed by using simple regression model and simple correlation. Regression analysis has measured the degree of relationship between two variable i.e. independent variable X (loan disbursement) and dependent variable Y (recovery) in the study area. In this analysis of explanatory variable, there exists direct and positive relationship between loan disbursement and recovery. t- Test has been cSomputed to find out significance relationship between independent and dependent variable. This study has found that the monthly income of women is consistently increased; the positive correlation between loan disbursement and its recovery level among participants has been found that the capability of the entrepreneurship for the repayment of the loan on time was satisfactory. Increase in income along with empowering process increased in living standard of women.