Impact of Microcredit on Agricultural Development in District Mastung Balochistan: A Case Study of Balochistan Rural Support Programme (BRSP)

Abstract

Balochistan Rural Support Programme (BRSP) is a non-governmental organization working in rural areas of Balochistan province since 1983. Its head office is situated in Quetta, Baluchistan, Pakistan, sub-office is located in Islamabad, and a number of district offices are located in various districts of Balochistan. It is clear that majority of the respondents 90 percent of the sample were male and 10 percent were females in district Mastung Balochistan. The respondents 86.66 percent had availed the loan facility only for once and that too for the first time. 11.66 percent had availed this facility twice and only 11.66 percent of them took loan three times. The respondents 40.00% were 25000, 16.66% were 40000.00, 20.00% were 50000.00, 13.33% were 60000.00 and 10.00% were above 80000.00 rupees amount loans. 30.00% were get for seed, 23.33% were Pesticide, 26.66% were Fertilizer and 16.66% were Others purposes. 93.33% respondents believe that micro-credit is the reason for increased agriculture production. 6.66% respondents think that micro-credit has no effect on the agricultural production. 76.66% said that micro-credit plays a positive role in agricultural development. The 81.66% respondents have improvement in their household living standards due to the microcredit facility and 18.33% respondents said that micro-credit has no improvement in HH living standard.81.66% of the respondents and 18.33% respondents said that micro-credit has no improvement in food/diet standard.83.33 % of the respondents and 16.66% respondents said that micro-credit has no change health status. 26.66% respondents said that the BRSP staff behavior was satisfactory to some extent and 6.66% say not at all.100% received lump sum amount for agricultural purpose.70.00% respondents were returning the credit amount biannually and 30.00% respondents were returning the credit amount monthly .61.66% of the respondents repaying of microcredit was easy and they were repaying the microcredit easily. For 38.33% respondents the repayment of microcredit was not easy.100.00% respondent’s perception regarding loan amount was that it should be increased for the betterment of farmers and for more productive results in agricultural development. Keywords: BRSP, Impact of microcredit, agricultural development.