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

Original Research Articles
Dinh Tran Ngoc Huy
To What Extent Changing Tax Policy and External Financing Influence the Risk Level of Viet Nam Stock Investment Industry During and after the Global Crisis
Glo. Adv. Res. J. Manage. Bus. Stud. September 2015 Vol: 4(8): - [Abstract] [Full Text - PDF] (123 KB)
Augrey H Malambo
Land administration in Zambia since 1991: History, opportunities and challenges
Glo. Adv. Res. J. Manage. Bus. Stud. December 2013 Vol: 2(4): - [Abstract] [Full Text - PDF] (429 KB)
Benjamin I. Isife, Caroline O. Albert and Nkem Chukuigwe.
Community Restiveness and Corporate Social Responsibilities of Oil Companies in Rivers State, Southern Nigeria
Glo. Adv. Res. J. Manage. Bus. Stud. December 2012 Vol: 1(10): - [Abstract] [Full Text - PDF] (168 KB)
Anyanwu SO, Offor US, Adesope OM and Ibekwe UC
Structure and growth of the gross domestic product 1960 to 2008 implications for small scale enterprises in Nigeria
Glo. Adv. Res. J. Manage. Bus. Stud. June 2013 Vol: 2(6): - [Abstract] [Full Text - PDF] (100 KB)
Venera Zakirova, David Zakus, Charles P Larson and Rinad Gataullin
Access to quality health care in Russia for all still remains questionable. A comparison with Canada
Glo. Adv. Res. J. Manage. Bus. Stud. October 2012 Vol: 1(9): - [Abstract] [Full Text - PDF] (185 KB)
Original Research Article
Gwary, M.M., Nuhu, H.S., Burabe, B.I. and Toro, N.A.
Analysis of Determining Factors to Women’s Participation in Poultry Production in Toro Local Government Area of Bauchi State, Nigeria
Glo. Adv. Res. J. Manage. Bus. Stud. September 2015 Vol: 4(9): - [Abstract] [Full Text - PDF] (130 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 1060
Printed 208
Downloaded 277
Powered By iPortal Works