Gender Issue in Utilization of Micro Credit with Reference of Khushali Bank (A case study of D.I.Khan)

Abstract

Ubiquitously, the pursuit of progress has taken the road of socioeconomic improvement. Both men and women are intricate in this enlargement process. For the said determination both have to do positive productive accomplishments and to upsurge their income for their folks and the country. The glassy of income and benefaction of a household depends on the obtainability of engagement chances for the adult members of that household. As apposite employments are threatened in the country, the formation of self-employment openings becomes the most important objective of households to enhance income, and thus, to enhance the chance to cover the basic necessities. But the poor households do not have the amount of capital that is required for starting up a self-employment activity. Therefore, financial support is one important part of the maintenance of income strategies. In a macho society like Pakistan, men hold the supreme power to control households and society as a whole, and woman are frequently secluded in their homes because of cultural, religious and social restrictions. The households are supervised by women who are either widows, divorced or have a disabled husband. However, with the great decline of their socio-economic situation women are breaking through the traditional norms and coming forward to participate in the development activities outside their homestead. Therefore in this research it was tried to find out whether women in study area are acknowledged in using micro credit.The study was guided by a structured questionnaire containing the closed research questions: on how respondents use credit in the light of their gender demographic traits. Cluster sampling techniques were applied to get a total of 150 respondents. Data analysis was based on descriptive statistics using various statistical tools like regression, correlation, t- test and ANOVA with the help of tables and charts. The Study verdicts exposed that male made better use of micro credit. But their counterpart was not too behind. Changing culture has been replacing this trend and the counterpart of the day has been progressing. However educated, experienced and the respondents who had full time business had been playing vital role in this respect. If the population is business trained and the women are provided favorable culture in which they can a have a stage to show their talents, they would become strong competitors in this field with their counter parts and would play attractive role in development.