# Income Level Before And After Taking Micro Credit Health Essay

The analysis has been made after carefully analysing and tabulating the responses of the questionnaires. The result of the primary data analysis is given which will support or reject the hypothesis. This chapter is divided into two parts - first is about data analysis in which each questions is analyzed through charts and tables and cross tabulation and second part is about discussion, which include results of the variable and detailed discussion on each variable and examining the impact of micro credit.

Results show that before taking micro credit 12% women had income level of up to PKR 2,000 a month, 44% had income level of PKR 2,000 to 6,000 a month, 26% of respondents have income level of PKR 6000 to 10,000 a month. 18% of women had no income before taking micro credit. But after taking micro credit 6% have income level up to PKR 2000, 22% of respondents have PKR 2000 to 6000, 37% of women have income level of Rs 6000 to 10,000, 35% have income level of above 10,000. Thus a significant increase is witnessed in the income levels.

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13 % of respondents always seek permission from husband on use of their income 21% take frequently permission on use of income 36% need some times permission on use of loan and 30% of respondents need no permission from their husband to use their own income. Larger portion of respondents take some times permission or don't need to take permission that shows that most of the women have control over their income.

## Graph 5.3: Stability in Consumption

7% of respondents say that they feel no stability in their consumption 51% of respondents say yes they have stability in consumption 26% of respondents says that they have a lot of stability in their consumption now 16% of respondents say that they don't know. Results show that as income level increases consumption level also increases.

## Graph 5.4: Saving Before and After Taking Micro Credit

As clearly evident from the graph, there was hardly any saving before taking the loan. 38% women saved some part of income, 62% women save nothing. But 35% respondents save most part of income after taking micro credit; 63% women save some part of income, 2% women still save nothing. This shows that micro credit has positive impact on savings.

## Graph 5.5: Control on Savings

Before taking micro credit 1% women were always taking decision on utilization of saving, 15% frequently took decision, 47% took some time decision and 37% women never took decision on utilization of saving. But after taking micro credit 34% women always take decision, 47% takes frequently decision, 14% take some time decision on saving, 5% women reported that they never take decision on utilization of saving. Results show that women control over savings has improved after taking credit.

Before taking micro credit 22% women reported that their male children only go to school, 2% respondents said that, only female children go to school, 55% women say that both male and female children go to school, 21% women reported that their children don't attend school. But after taking micro credit 15% women reported that their male children only go to school and 78% women says that both children go to school, only 5% women reported that their children don't go to school yet. Results show that credit has increased the school enrolment and attendance of children of respondents.

## Graph 5.7: Quality of Education before and After Taking Micro Credit

59% women reported that their children were getting education in government schoosl before taking micro credit. 15% women's children were getting education in private school, 3% women reported that their children were getting education in madrassa (religious schools), 23% children were not getting any type of education before taking micro credit. After taking micro credit 45% women's children are getting education in government schools 49% women's children are getting education in private school, 1% women said that their children are in madrassa, 5% women reported that that their children don't attend school after taking micro credit. Results show that, micro credit has significant impact on improving quality of education of their children.

## Graph 5.8: Decision on Education of Children before and After Taking Micro Credit

Before taking micro credit women were hardly raking decisions regarding children education. But after taking micro credit 31 % women always take decision on education of children, 48% frequently take decision, 15 % women sometimes take decision, 6% women never take part in decision of schooling of children. Results show that decision making regarding schooling of children has been increased after taking micro credit.

## Graph 5.9: Control over Assets

Before taking micro credit 73% women seek permission from husband to sell, pledge, exchange asset; 3% women don't need to take permission; 24% women need permission to some extent to sell pledge or exchange any asset. But after taking micro credit 57% women need permission, 7% women don't need permission from husband, 36 % women said that they need permission to some extent to sell pledge or exchange any house hold asset. Results show that credit has not significant impact on increasing the women control over assets.

## Graph 5.10: Control over Purchase of Assets

Before taking micro credit 10% women indicated that, they could buy an asset without husband's permission, 78% women couldn't buy an asset without husband's permission, 12% women could buy an asset without husband permission to some extent. After taking micro credit 10% women can buy an asset without husband's permission, 58% women cannot buy an asset without husband's permission, 32% women can buy an asset without husband permission to some extent. This shows that credit doesn't have significant impact to increase women control over assets.

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