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.

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