report of home appliance
TRANSCRIPT
-
8/14/2019 Report of home appliance
1/108
ROLE OF MICRO CREDIT IN POVERTYALLEVIATION
Amina Mushtaq
Submitted in partia !u!iment "! the requirement !"r the de#ree "! Master
"! $usiness Administrati"n
at
Nati"na %ni&ersit' "! M"dern Lan#ua#es
Isamabad( Pa)istan *++,
-
8/14/2019 Report of home appliance
2/108
ACKNOWLEDGEMENT
I #rate!u' a-)n".ed#e the -"ntributi"n "! the residents "! Musim C""n'( Dh")
/aa /han( Tehmaspabad and Sha)ria .h" .arm' pr"&ided me the "pp"rtunit' t")n". ab"ut their i&es0 I am than)!u t" m' super&is"r Madam Fareeha !"r her
-"nstant en-"ura#ement and super&isi"n0
-
8/14/2019 Report of home appliance
3/108
Executive Summary
The stud' tries t" "") at the impa-t "! mi-r" -redit "n the i&es "! the p""r pe"pe0
There are di!!erent &ie.s "n mi-r" -redit as a p".er!u de&e"pment t"" re#ardin# its
su--ess in de&e"pin# the i&es "! the p""r and s"me times these &ie.s are
-"ntradi-t"r'0 1".e&er p"&ert' is a #"ba issue2 it is a pr"bem that e&en the
.eathiest nati"n is !a-in#0 In this s-enari" -"untr' i)e Pa)istan is !a-in# a #reat
-haen#e t" ae&iate "r redu-e p"&ert' be-ause p"&ert' is be-"min# -ause "! man'
pr"bems i)e sui-ides( iitera-'( unemp"'ment( diseases i)e depressi"n( stress et-0
In "rder t" -"ntr" these diseases !irst .e ha&e t" -"ntr" p"&ert'0 At #"&ernment
e&e and as" at internati"na e&e man' strate#ies are made e&er' da' t" -"ntr"
p"&ert'0 $ut n". Dr0 Y"unis #a&e a !"rmua "! mi-r" -redit that su--ess!u' ."r)ed
in $an#adesh and is n". repi-ated a "&er the ."rd and as" in Pa)istan s"2 the
purp"se "! the stud' .as t" "bser&e that .hat r"e mi-r" -redit pa's in Pa)istan in
p"&ert' ae&iati"n0
The stud' .as -"ndu-ted in !"ur urban sum areas "! Ra.a pindi and Isamabad that
are Musim C""n'( Dh") /aa /han( Tehmaspabad and Sha)ria0 Th"se pe"pe are
tar#eted .h" ha&e ta)en mi-r" -redit s" that the -"mparis"n "! i&in# standard be!"re
and a!ter use "! mi-r" -redit -an be made and hen-e it -an be seen that( i! there is an'
impr"&ement in their i&in# standard a!ter usin# mi-r" -redit "r n"t0 The stud' .as
based "n questi"nnaires .hi-h .ere distributed a!ter transatin# it int" %rdu s" that
resp"ndents -an easi' understand it and !i it a--"rdin#'0 Sampe !"r this sur&e'
.as *++ .ith 3+ resp"ndents per area0 The dependent &ariabe ta)en in this stud' is
p"&ert' redu-ti"n .here as independent &ariabe is mi-r" -redit and m"deratin#&ariabe is p"iti-a en&ir"nment0
S"me "! the !a-t"rs that sh". p"&ert' redu-ti"n are Trainin# and edu-ati"n( -ean
.ater and h'#ieni- en&ir"nment( nutriti"n and adequate !""d( a--"mm"dati"n(
in-"me and sa&in#s0
O&era .e -an sa' that trainin# and edu-ati"n( -ean .ater and h'#ieni- en&ir"nment(
nutriti"n and adequate !""d( a--"mm"dati"n( in-"me and sa&in#s are imp"rtant
!a-t"rs "! p"&ert' redu-ti"n0 $e-ause .hen a pers"n has trainin# and edu-ati"n he -animpr"&e his i&in# standard( i! a pers"n has -ean drin)in# .ater and adequate !""d he
-
8/14/2019 Report of home appliance
4/108
.i be heath' and -an earn in a better .a' !"r his !ami'( i! his a--"mm"dati"n is
better and en"u#h !"r !ami' members and str"n# en"u#h !"r natura disasters he -an
i&e in a better .a'0 And "b&i"us' i! his earnin# is #""d and en"u#h !"r !ami' he
-an as" pr"&ide re-reati"na a-ti&ities t" his -hidren and -an as" a!!"rd un-ertain
e4penses su-h as sudden #uest et- and -an as" d" sa&in#s !"r !uture( then a these
thin#s p"ints t".ards a #""d i!e( a i!e .ith a #""d i&in# standard and a i!e ab"&e
p"&ert' ine0 S"2 a ab"&e menti"ned !a-t"rs pa's an imp"rtant r"e in p"&ert'
redu-ti"n0
Fr"m data ana'sis it is -"n-uded that the mi-r" -redit pr"#ram is e!!e-ti&e in #i&in#
un emp"'ed pe"pe emp"'ment su-h as ta4i dri&er( sh"p )eeper et- and t" meet
sh"rt term needs su-h as return debt ta)en !r"m s"me "ne ese( pa'in# !ee( "perati"n(
treatment "! disease et-0 M"st' b"rr".ers "! Musim -""n'( Dh") /aa /han(
Sha)ria and Tehmaspabad ha&e used mi-r" -redit t" pur-hase ta4i( se.in# ma-hine
and "penin# sma sh"p and impr"&in# a--"mm"dati"n0
$ut mi-r" -redit s'stem is n"t the per!e-t "ne2 it is n"t a repa-ement !"r 5"bs that are
n"t there and s)is that d" n"t e4ist0 Imp"rtant thin# is t" ma)e them !inan-ia'
stabe( t" brin# them "ut "! the p"&ert' ine and t" ma)e them abe t" sustain their
p"siti"n and impr"&e i&in# -"nditi"n instead "! returnin# ba-) t" the p"&ert' ine0 It
-an be d"ne in this .a' that mi-r" -redit instituti"ns -an ma)e -"ntra-t .ith dri&in#
-enters that -an #i&in# trainin# t" th"se pe"pe .h" d"n6t )n". dri&in# "n ha! rate(
-"ntra-ts .ith b"utiques -an be made( -"ntra-ts .ithBATAand Unilever-an be
made0 In th"se areas .hereBATAd" n"t ha&e "utet( a pers"n -an ta)e mi-r" -redit
pur-haseBATAsh"es and -an se them in his area0 Simiar -"ntra-t -an be made .ith
Unilever.
-
8/14/2019 Report of home appliance
5/108
CHAPTER: 1 INTRODCTION
-
8/14/2019 Report of home appliance
6/108
1!1 R"#e "$ micr" cre%it i& '"verty a##eviati"&
Mi-r" -redit Pr"#rams e4tend sma "ans t" &er' p""r pe"pe !"r se!
emp"'ment pr"5e-ts that #enerate in-"me !"r their sur&i&a( a".in# them t"
-are !"r themse&es and their !amiies0 De&e"ped "&er the past t.ent' 'ears(
mi-r" -redit is n". -"nsidered as "ne "! the m"st e!!e-ti&e t""s that .e used
t" !i#ht p"&ert'0 It is n"t -harit'( but in&estment( and t" understand it .e need
t" "") at p"&ert' in the ."rd t"da'0
P"&ert' is a #"ba issue0 Despite -han#es in de&e"pment paradi#ms in the
ast ha! "! the *+th -entur'( the pr"mise t" brin# .ebein# t" a human bein#
remained un!u!ied0 As it stands( m"re than 7++ mii"n -hidren "! primar'
s-h"" a#e ha&e ne&er stepped inside a -ass r""m( ab"ut *8+++ -hidren die
ea-h da' !r"m ar#e' pre&entabe manutriti"n and disease and m"re than 70*
bii"n pe"pe in the ."rd are stru##in# t" sur&i&e at the mar#in "! human
e4isten-e 9"n under a d"ar a da':0 P"&ert' is the pr"bem !"r a the -"untries
irrespe-ti&e "! their e&e "! de&e"pment0 It -an be "bser&ed in man' !"rms0 It
has b"th in-"me and n"n in-"me dimensi"ns0 It ma' be a a-) "! in-"me "r
res"ur-es( a a-) "! -"pin# -apa-it'( a a-) "! basi- human -apabiities( a a-)
"! instituti"na de!enses "r in e4treme -ases a a-) "! a "! these0 In a .ider
sense( it ma' be a -"mbinati"n "! e-"n"mi-( s"-ia and p"iti-a depri&ati"ns0
In -"nsiderati"n "! p"&ert' ine( pe"pe in ea-h -"untr' -an br"ad' be di&ided
int" t." -ate#"ries name' p""r and n"n p""r0 The n"n p""r are i&in# ab"&e
and the p""r are i&in# be". the p"&ert' ine0 The p""r ma' be di&ided int"destitute ;$"tt"m 7+ per-ent be". the p"&ert' ine
-
8/14/2019 Report of home appliance
7/108
e-"n"mi- i!e "! p""r pe"pe0 A--"rdin# t" Adam Smith 9M"ne'( sa's the
pr"&erb( ma)es m"ne'0 @hen '"u ha&e #"t a itte( it is "!ten eas' t" #et m"re
and the #reat di!!i-ut' is t" #et the itte: ;Adam Smith( 78B( 8
-
8/14/2019 Report of home appliance
8/108
mi-r" -redit "r#ani=ati"n "! $an#adesh and 5"int .inner "! the N"be Pea-e
Pri=e< has -aimed ar"und 88G returnin# rate0 It is interestin# t" n"te that the
main b"rr".ers "! this m"ne' are ."men and this is a p"i-' de-ided b' the
$an)0 @"men are re#arded as m"re trust."rth' and abe t" dea .ith m"ne'
m"re s)i!u' than men and this in turn has ead t" their emp".erment0 The
hi#h rates "! "an return ha&e heped mi-r"!inan-e "r#ani=ati"ns i)e the
rameen $an) t" be-"me se!?reiant ;n"t dependin# "n the d"n"rs an' m"reua8e etcB
En"u#h 3 (5
N"t en"u#h 77+ 31
Are y"u t.e "y ear&er "$
t.e $ami#yBYes 8+ 04
N" 3 ,(
W.at i- y"ur t"ta# $ami#y
i&c"meB
*+++ 3 +!(
+++ * (3
+++ *, 14
Other ,+ 01I- y"ur i&c"me e&"u2. t"
*ear recreati"&a# activitie-
$"r c.i#%re&B
Yes (4
N" 77+ 31
D" y"u 6a&t -"me "t.er
-"urce- "$ i&c"meBYes 7* 40
-
8/14/2019 Report of home appliance
51/108
N" * 1,!4
D" y"u e&c"ura2e
-avi&2-B
Yes 7 5,N" 8 0!4
Are y"u a*#e t" -ave "r it
i- %i$$icu#t $"r y"uB
Abe (4
Di!!i-ut 777 31
D" y"u .ave -avi&2- $"r
rai&y %ay- a&% a&y
&atura# %i-a-terB
Yes 3 +,
N" 7+* 0
H"6 muc. 'art "$ i&c"me
%" y"u -aveB
3G * (7
7+G 7, 11!
73G 77 3!7N"ne 8 7
W.at i- t.e "*/ective "$
y"ur -avi&2-B
T" meet an' un-ertain -risis
in !uture
* ,7
F"r !uture use( i! '"u ha&e
n"thin# e!t .ith '"u
* (3
F"r -hidren .e!are * (7
Other * 1
D" y"u 6a&t t" i&ve-t
y"ur -avi&2- i& a&y $"rm
"$ *u-i&e-- ?ric8-.a6
taxi -."' etcB
Yes 88 +
N" 3 +
-
8/14/2019 Report of home appliance
52/108
Have y"u i&v"#ve% i& a&y
8i&% "$ trai&i&2 ?Aut"
6"r8-."' etc "r
e%ucati"& 'r"2ramB
Yes ,7
N" 8* 05
D" y"u $ee# t.at *y
trai&i&2 "r e%ucati"& y"u
ca& im'r"ve y"ur #ivi&2
-ta&%ar%B
Yes ,7 0(
N" B ,3
D" y"u t.i&8 trai&i&2 "r
e%ucati"& i- ex'e&-e "r
a--etB
E4pense ,7 0(
Asset B ,3
Have a&y "$ y"ur c.i#%re&2etti&2 a&y 8i&% "$
trai&i&2 "r e%ucati"&B
Yes ,, 0
N" B ,+
D" y"u t.i&8 trai&i&2 "r
e%ucati"& i- a 6ay t" -"#ve
y"ur 'r"*#em-BYes 77B 30
N" , (,!0
I$ "''"rtu&ity "$ $ree
e%ucati"& a&% trai&i&2 i-
'r"vi%e% t" y"u 6i## y"u
avai# itB
Yes 7* 47N" 7 (7
-
8/14/2019 Report of home appliance
53/108
D" y"u .ave e&"u2. $""%
every %ayB
Yes ,7 0(!(
N" B ,3!3D" y"u $ee# %i$$icu#t t"
ma&a2e $""% ex'e&-e-B
Yes 7+B 5
N" , +1
W.at i- y"ur %ai#y
avera2e ex'e&-e "& $""%B
7++ 8 (0
73+ * (3
*++ 8 (0
Other 3 ((!0
I- t.ere a&y %ay y"u #ive
6it."ut $""%B
Yes ,* 0+
N" B ,3
Have y"u ever $e#t
u&certai& a*"ut 6.et.er I
6i## 2et &ext time mea# "r
&"tB
Yes ,B 0
N" , ,+!4
W.at %" y"u m"-t#y eatB
Fresh -hapatti 7+, 37
Meat 83 1
Lintes , ,+!4
Stae -hapatti B +7!+
Ri-e 88 +!4
Other 7 4!+
H"6 %" y"u -ee t.e
%i$$ere&ce i& y"ur #i$e
a$ter y"u -tarte% u-i&2
-
8/14/2019 Report of home appliance
54/108
micr" cre%itB
Impr"&e a--"mm"dati"n 8+ 04
Cean .ater and h'#ieni-
en&ir"nment
1!5
In-rease in-"me *8 14!3
In-rease sa&in#s 7 5!7
Adequate !""d , 0!1
Trainin# and edu-ati"n *B 13!,
Ot.er 11 3!7
,!( I&ter'retati"&
The resuts !"r the &ari"us !a-ets "! the questi"nnaire t" determine the R"e "! mi-r"
-redit in p"&ert' ae&iati"n are "utined in ab"&e tabe0 Resuts indi-ate that ma5"rit'
;N7+< ;3G
-
8/14/2019 Report of home appliance
55/108
ha&e tensi"n "! repa'ment -redit( s"metimes the' ha&e ess earnin# and the' ha&e
tensi"n that their earnin# is ess then !r"m .here the' -an return -redit0 And as"
th"se pe"pe .h" ha&e pur-hased an' ta4i "r ri-)sha. and the' are ."rried ab"ut it
that .hat the' .i d" i! it is st"en0 S"2 mi-r" -redit ma)es their i!e !u "! tensi"n
a--"rdin# t" them0
As the !a-t"rs that sh". p"&ert' redu-ti"n in this stud' are trainin# and edu-ati"n(
-ean .ater and h'#ieni- en&ir"nment( nutriti"n and adequate !""d( a--"mm"dati"n(
in-"me and sa&in#s0
And .e -an see !r"m the ab"&e tabe that ;N8+
-
8/14/2019 Report of home appliance
56/108
0
100
200
Gender
Series1 130 70
Male Female
As highlighted by above figure, the majority of the respondents in
the sample are males, with 65 (N=13! of the respondents beingmale and 35" (N=#! of the respondents being female$
0
10
20
30
40
50
60
Age
Series1 19 50 59 54 18
20 yrs or
below 21-30 31-40 41-50
Above 50
yrs
As illustrated by above figure, 5% respondents (&%$5"! fall into the
age group 31' years$ 5 respondents ("! fall into the age
group 1'5 years and 5 respondents (&5"! fall into the age group
&1'3 years$ 1% respondents (%$5"! fell into the age & years or
below$ )he fewest respondents (1*+ %"! fall into the age group
above 5 years$
-
8/14/2019 Report of home appliance
57/108
0
20
40
60
Education
Series1 30 35 41 32 31 31
Mast Bach !ter Matri "!#e lliter
Above igure 3$6 highlights the edu-ational level of the sample$ .t
-an be noted that 3 (15"! are masters$ 35 (1#$5"! holds ba-helor
degree$ 1 (&$5"! are intermediate, 3& (16"! are mati-$ 31(15$5"! are under matri- and 31 (15$5"! are illiterate$
0
100
200
Marital status
Series1 147 53
Si!$le marrie#
Ab"&e !i#ure depi-ts the marita status "! resp"ndents0 A--"rdin# t" !i#ure 7B
;B03G< resp"ndents are sin#e and 3 ;*03G< resp"ndents are married0
-
8/14/2019 Report of home appliance
58/108
0
50
100
No. of children
Series1 %7 57 55 20
&ero o!e-two three- 'ive or
Fr"m the ab"&e !i#ure it is -ear that B resp"ndents ;03G< ha&e n" -hidren( 3B
resp"ndents ;*,03G< ha&e 7?* -hidren( 33 resp"ndents ;*B03G< ha&e ? -hidren and*+ ;7+G< ha&e 3 "r m"re -hidren0
0
50
100
Occupation
Series1 12 25 29 %5 10 44 15
(o! #riv Swe lab )eo Sch *th
It is -ear !r"m ab"&e !i#ure that 7* ;G< ha&e n" "--upati"n( the' sur&i&e "n =a)at(
-harit' and "--asi"na ab"r0 *3 ;7*03G< .ere dri&er( *8 ;703G< .ere s.eeper( 3
;*03G< .ere ab"r( 7+ ;3G< .ere pe"n( ;**G< .ere s-h"" tea-her and 73 ;B03G'ear' edu-ati"na e4penditure60 It means that mi-r"?-redit in-reases
entitement "! pr"#ram h"useh"ds "n edu-ati"n thr"u#h in-reasin# -apabiit' t"
spend m"re "n edu-ati"n "! -hidren0 The -hi?square resut re5e-ts the nu h'p"thesis
"n >h"useh"ds rep"rtin# si-) -hidren60 The re5e-ti"n "! the nu h'p"thesis means
that there is a si#ni!i-ant di!!eren-e bet.een the pr"#ram h"useh"ds and the
-"mparis"n h"useh"ds in terms "! !e.er than !i&e si-) -hidren0 The si-)ness "! an
under !i&e -hid indi-ates the manutriti"n "! that -hid and it as" indi-ates a-) "!
en"u#h -apabiit' "! the parents "! that -hid t" pr"&ide required nutriti"us !""d t" the
-hid0 The re5e-ti"n "! the nu h'p"thesis "n >under 3 si-) -hidren6 indi-ates that
pr"#ram h"useh"ds ha&e hi#her -apabiities t" pr"&ide required nutriti"us !""d t"
their under 3 -hidren0 The t?test resut re5e-ts the nu h'p"thesis "n 'ear' h"useh"d
medi-a e4penditure( i0e0 there is a si#ni!i-ant di!!eren-e bet.een the pr"#ram
h"useh"ds and -"mparis"n h"useh"ds in terms "! 'ear' h"useh"d medi-a
e4penditure0 This resut re&eas that pr"#ram h"useh"ds spend si#ni!i-ant' hi#her
am"unt "! m"ne' "n heath and medi-a purp"ses than that "! -"mparis"n
h"useh"ds0 There is a si#ni!i-ant di!!eren-e bet.een the pr"#ram h"useh"ds and
-"mparis"nh"useh"ds in terms "! the immediate ast medi-a ad&i-e ta)en b' the
h"useh"ds durin# the immediate ast si-)ness "! a member "! the h"useh"d as the
-hi?square re5e-ts the nu h'p"thesis0 This means that pr"#ram h"useh"ds ha&e m"re
abiit' t" pa' !ees "! a quai!ied pri&ate pra-titi"ner and as" ha&e m"re abiit' t"
pur-hase medi-ine0 There!"re( the re5e-ti"n "! nu h'p"theses "n !e.er than !i&e si-)
-hidren( the a&era#e 'ear' medi-a e4penditure "! h"useh"ds and the immediate ast
medi-a ad&i-e indi-ates that mi-r"?-redit in-reases entitement "! pr"#ram
h"useh"ds "n heath thr"u#h in-reasin# the -apabiities "! pr"#ram h"useh"ds t"
-
8/14/2019 Report of home appliance
84/108
spend m"re "n heath0 The impa-ts "! mi-r"?-redit "n sheter ha&e been assessed
thr"u#h -"mparis"n "! di!!erent indi-at"rs reated t" sheter "! pr"#ram h"useh"ds
.ith th"se "! -"mparis"n h"useh"ds0 F"r ana'=in# the sheter status "! pr"#ram
h"useh"ds and -"mparis"n h"useh"ds( !"ur indi-at"rs reated t" sheter ha&e been
used0 These !"ur indi-at"rs are ;a< the a&era#e t"ta area "! i&in# spa-e( ;b< h"usin#
-"nditi"n ;r""!
-
8/14/2019 Report of home appliance
85/108
e4penditure "! h"useh"ds0 The a&era#e >.ee)' !""d -"nsumpti"n e4penditure6 "!
pr"#ram h"useh"ds is Ta)a ,3,03, and the a&era#e >.ee)' !""d -"nsumpti"n
e4penditure6 "! -"mparis"n h"useh"ds is Ta)a 3,,0,30 The a&era#e >.ee)' !""d
-"nsumpti"n e4penditure6 "! pr"#ram h"useh"ds is G per-ent hi#her than the
a&era#e >.ee)' !""d -"nsumpti"n e4penditure6 "! -"mparis"n h"useh"ds0 It sh".s
the a&aiabiit' "! !""d "! pr"#ram h"useh"ds and -"mparis"n h"useh"ds0 The
pr"#ram h"useh"ds -an arran#een"u#h !""d !"r the members "! the h"useh"d "n an
a&era#e 7703, m"nths "! a 'ear0 On the "ther hand h"useh"ds -an arran#e !""d !"r
the members "! the h"useh"d "n an a&era#e 807 m"nths "! a 'ear0 These t."
a&era#es dem"nstrate that !""d is m"re a&aiabe in pr"#ram h"useh"ds than
-"mparis"n h"useh"ds0 The -"?e!!i-ient "! &ariati"n "! >a&aiabiit' "! !""d in
m"nths6 "! pr"#ram h"useh"ds and -"mparis"n h"useh"ds are +07 and +0*
respe-ti&e'0 It sh".s the distributi"n "! >a&aiabiit' "! !""d in m"nths6 "!
h"useh"ds0 The distributi"n as" sh".s better distributi"n !"r pr"#ram h"useh"ds0
@hie *0+G "! -"mparis"n h"useh"ds ha&e !""d de!i-it( "n' 7+0,G "! pr"#ram
h"useh"ds ha&e !""d de!i-it0 It sh".s that the t test &aue re5e-ts the nu h'p"thesis
"n >.ee)' !""d -"nsumpti"n e4penditure6 and >!""d a&aiabiit' "! h"useh"ds60
A--"rdin# t" A%e"#u )! Aya&6a#e andTai6" A#imiMICRO FINANCIN AS A
POVERTY ALLEVIATION MEAS%RE Resuts "! the saient s"-i"e-"n"mi-
-hara-teristi-s "! the resp"ndents are presented in Tabe 7 be".0 M"st ;,0
per-ent< "! the resp"ndents !a in the a#e ran#e 7?3+ 'ears( .hie ab"ut B+ per-ent
!a bet.een 7 and 3+ 'ears "! a#e0 The re-ipients are reati&e' '"un# and in their
pr"du-ti&e' a-ti&e 'ears0 The #ender distributi"n is am"st equa sin-e a simpe
rand"m sampe pr"du-es an am"st equa number "! mae and !emae0 Thus .e -an
assert that FAD% "an s-heme is #ender sensiti&e0
M"st "! the resp"ndents ;80+ per-ent< ha&e a !ami' si=e "! bet.een 3 and , pe"pe(
.ith the a&era#e !ami' si=e "! 7+ pe"pe0
The a&era#e number "! 'ears spent in !"rma instituti"n is three and a ha! 'ears0 M"st
"! the resp"ndents ;0B per-ent< -"mpeted their se-"ndar' s-h"" edu-ati"n( .hie
"n' ;70+ per-ent< had n" !"rma edu-ati"n0 Furtherm"re m"st ;*0,7 per-ent< "!
the resp"ndents ha&e ess than 7+ 'ears "! !armin# e4perien-e0
The impi-ati"ns "! these s"-i"?e-"n"mi- -hara-teristi-s are that 9the FAD%
bene!i-iaries are edu-ated( '"un# and ha&e an a&era#e !ami' si=e "! 7+0 The !a-t that
-
8/14/2019 Report of home appliance
86/108
the' are edu-ated means the' .i be abe t" )eep !arm re-"rd( sin-e edu-ati"n
enabes !armers t" )eep pr"du-ti"n and !arm re-"rds and there!"re b""sts !arm
"utput0
FAD% en-"ura#es her bene!i-iaries t" sa&e0 Tabe * sh".s the sa&in#s patterns "! the
resp"ndents0 M"st ;*0,7 per-ent< "! the resp"ndents sa&e bet.een N7+++ and *+++
per annum( at"#ether ab"ut + per-ent "! the resp"ndents sa&es bet.een N77+++ and
N++++ per annum0 The a&era#e am"unt "! sa&in#sis N*B( 3+0++ .hi-h .as ab"ut
, per-ent "! the mean am"unt "! "an requested( .hi-h .as N+( *3+0++0
Ta*#e 1: S"ci"ec"&"mic c.aracteri-tic- "$ re-'"&%e&t-
=aria*#e ;re>ue&cy J a2e Mea&
A2e ?year-< 3 0+3
*7?+ *7083
7?+ B8 ,07B
7?3+ 7 *3
37?+ 70,
+ 7 7++
T"ta# 0*,
Sex
Mae ,8 30*B
Femae B3 30B
T"ta# 7
;ami#y -i9e
an 7+ 07
, Ma' 80+*
7* Sept 3 *08
7?7 * 730,3
7B 7+ 07
T"ta# 7++ 7+
E%ucati"& #eve#
N" !"rma
edu-ati"n
* 70+*
Primar' s-h""
-"mpeted
730,3
-
8/14/2019 Report of home appliance
87/108
Primar' s-h""
n"t -"mpeted
, 0,,
Se-"ndar'
s-h""
-"mpeted
3 073
Se-"ndar'
s-h"" n"t
-"mpeted
7, 7+08,
Territ"r' * 70+*
T"ta# 7 7++ 03*
S"ur-eH Ana'sis "! Fied Sur&e' Data ;*++*n"rma6 t" the -"mmunit' t" i&e am"n# them in "rder t" #et t"
)n". ab"ut their -"nditi"n( t" "&er-"me this pr"bem I tried t" ma)e su-h
questi"nnaire .hi-h .i be eas' !"r them t" read( understand and !i it0 That
is .h' I transated questi"nnaire int" %rdu .hi-h e&er'"ne am"n# them -an
read and understand0
-
8/14/2019 Report of home appliance
100/108
$ut I thin) it ."ud ha&e been better i! I -"ud spend m"re time0
Re$ere&ce-
-
8/14/2019 Report of home appliance
101/108
70 Abduah( T0 M0 ;*++3
-
8/14/2019 Report of home appliance
102/108
@renn( E0 ;*++3
-
8/14/2019 Report of home appliance
103/108
siteres"ur-es0."rdban)0"r#INTISPMARes"ur-esTrainin#?E&ents?and?Materiasm"nit"rin#Vietnam0pd!
730 1"ssain( F( \ /ni#ht( T0 ;*++,
-
8/14/2019 Report of home appliance
104/108
D"-t"ra Dissertati"n( Institute !"r A#ri-utura E-"n"mi- andS"-ia S-ien-es in the Tr"pi-s and Subtr"pi-s0
**0/hand)er( M0 ;*+++
-
8/14/2019 Report of home appliance
105/108
p"&ert'mi-r"-redit0htm0 Re!eren-e a--"rdin# t" @renn( E0;*++3
-
8/14/2019 Report of home appliance
106/108
Internati"na re&ie. "! $usiness Resear-h Papers V"0 N"0 (Pp0 +8?*( *++*0
0Russe( A0 S0 ;*++
-
8/14/2019 Report of home appliance
107/108
Dissertati"n0 Lund %ni&ersit' -entre !"r East and S"uth EastAsian Studies0
0@aheed( S0 ;*++7
-
8/14/2019 Report of home appliance
108/108
3+0aidi( E0 ;*++B