Advanced Study on Gender Based Utilization of Microfinance: An Empirical Evidence from District Quetta, Pakistan

During the year 2011, this study looked at the influence of microfinance on the gender-based income-generating activities of Khushhalli Bank Ltd clients in the Quetta urban zone. The primary data was acquired from 80 clients (60 beneficiaries and 20 non-beneficiaries) using a structured questionnaire and a cross-sectional experimental methodology. T-tests were used to assess the data that had been collected. In terms of increased company performance, the data reveal that microfinance has a beneficial influence on both male and female beneficiaries when compared to non-beneficiaries. It has no effect on the average sale revenue of both male and female microbusiness owners. While it has a considerable impact on male established micro-entrepreneurs’ average net profit, average fixed assets, and average net worth, it has no effect on female established micro-entrepreneurs. When comparing gender-based company performance, it is clear that male-owned microenterprises are able to create higher revenue and net income. The same results are reached when fixed assets and net worth are increased. As a result, we can certainly state that male clients are better able to use microfinance services than female clients.

Author (S) Details

Prof. Abdul Naeem
Department of Management Sciences, Mir Chakar Khan Rind University, Sibi, Balochistan, Pakistan.

Dr. Sana-ur-Rehman
Department of Business Administration, NFC- Institute of Engineering and Technology, Multan, Pakistan.

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