Global Advanced Research Journal of Management and Business Studies (GARJMBS) ISSN: 2315-5086 July 2012 Vol. 1(6), pp 188-200

Copyright © 2012 Global Advanced Research Journals   


Original Research Articles

Tackling the socio economic determinants for improving the living standard of the poor people through micro finance. (Case study of D.I.Khan district, Khyber Pakhtunkhwa, Pakistan) 

Muhammad Imran Qureshi1*, M. Amjad Saleem2, Aziz Javed3,  Mahmood Shah4 

1Department of Commerce Gomal University D.I.Khan

2Govt. College of Commerce and Mgt. Sciences D.I.Khan

3Department of Business Administration GU D.I.Khan

4Department of Economics G.U D.I.Khan 

*corresponding author Email: 

Accepted  28 June 2012



The major objective of the research is to show the impact of micro finance on various socio economic determinants for improving the living standard of the poor people in the study area. This study is based on both quantitative and qualitative methodologies in order to find out the feasible solution of the problem. The study was guided by the following research questions: what are the problems relating to living standard? To what extent the problems enabled the respondents towards improvement in living standard? And what are improvements achieved in this regard in the fields of income, employment, education, communication, health care, children’s education and housing?  It can be concluded that provision of Micro-finance is very useful in improvement of living standard of the poor people. Micro financial Institutions should encourage poor to borrow by revisiting the collateral conditions and reducing interest rates. The result of the study showed positive significant impact on the dependent variables i.e. living standard. It was found that there is a high interest rate on micro loans because of the administrative cost. Stratified random sampling techniques were used to get a total of 96 respondents. Data were collected through close ended questionnaires, semi structured interviews, observations and documentary reviews. Data analysis was based on descriptive statistics using various statistical tools like regression, correlation, t- test and ANNOVA with the help of tables. 

Keywords: Micro finance, MFIs, Living standard, income, employment, education, communication and health care.

Related Articles

Maroof Maqbool and Dixit VK
Development of Elementary Education in Kashmir-A case study of District Shopian, J&K
Glo. Adv. Res. J. Manage. Bus. Stud. July 2015 Vol: 4(7): - [Abstract] [Full Text - PDF] (332 KB)
Original Research Articles
María Dolores Guamán Guevara, Elías David Caisa Yucaila, Amparito Cecilia León Saltos, Gabriel Arturo Pazmiño Solys, Jorge Iván Carrillo Hernandez and José Luis Vasconez Fuentes
The quality of life at work as a factor involved in the intention of labor resignation
Glo. Adv. Res. J. Manage. Bus. Stud. June 2017 Vol: 6(4): - [Abstract] [Full Text - PDF] (128 KB)
Gambo IM, Rabiu AM, Muhammad MB and Shugaba AI
Seroprevalence of HBsAg among Fulani nomads in Toro, North-Eastern Nigeria
Glo. Adv. Res. J. Manage. Bus. Stud. September 2012 Vol: 1(8): - [Abstract] [Full Text - PDF] (175 KB)
Moussa Amiri, Hamid Soori, Hamidreza Khankeh and Eskandar Momeni
Facilitators of traffic accidents management in Islamic Republic of Iran: A grounded theory study
Glo. Adv. Res. J. Manage. Bus. Stud. April 2015 Vol: 4(4): - [Abstract] [Full Text - PDF] (108 KB)
Lamyaa Yassin Zageer
The effect of chunking on long term memory at university students
Glo. Adv. Res. J. Manage. Bus. Stud. July 2013 Vol: 2(7): - [Abstract] [Full Text - PDF] (160 KB)
Abdulkarim Alzayyat, Obay A Almaraira and Yahia M Al-helih
Stress and Coping Among Nursing Students During Their Practical Education in Psychiatric Settings: A Literature Review
Glo. Adv. Res. J. Manage. Bus. Stud. May 2015 Vol: 4(5): - [Abstract] [Full Text - PDF] (144 KB)

Current Issue

Viewing Options

View Full Article - PDF
Download Full Article - PDF

Search for Articles

Muhammad Imran Qureshi on Google Scholar
Muhammad Imran Qureshi on Pubmed
Amjad Saleem M on Google Scholar
Amjad Saleem M on Pubmed
Aziz Javed on Google Scholar
Aziz Javed on Pubmed
Mahmood Shah on Google Scholar
Mahmood Shah on Pubmed


Viewed 774
Printed 130
Downloaded 181
Powered By iPortal Works