LOAN REPAYMENT BEHAVIOR OF FEMALE BORROWERS OF BRAC IN SANTHIA BRANCH UNDER PABNA DISTRICT

Abstract

Based on the finding. loan repayment behavior of female borrowers was assessed in this study. The objectives of the study were I) to discuss the socio-economic characteristics of the female borrowers 2) to assess the loan repayment behavior of the female borrowers 3) to explore the relationship between each of the selected characteristics of the female borrowers and their loan repay ment behavior 4) lo identify rhe problems faced by the female borrowers in repaying loan to BRAC. The study was conducted at San th ta Thana of Pabna district. The population of the study was 1000 female borrowers from which a sample of 100 female borrowers was selected using a proportionate sampling technique. Data were collected through face-to-face interview ing of their respondent from September 02 to October 02. 2006. It was found that age. education. family size and organizational participation of the female borrowers had no significant relationship with the loan repayment behavior while land tenure, annual income, annual expenditure and attitude towards the BRAC loan had significant relationship with their loan repayment behavior. The findings reveal that 26% of the female borrowers repaid their loan regularly. 53°·0 of the femaJc borrowers were mecliurn paid group and only 21 ° o of the borrowers were irregular paid group. Based on the loan Repayment Problem Index, it was observed the .. Money to repa)' loan often not available .. was ranked l ·• followed by "Sudden hazard due to natural calamities" was ranked 2"J .. less profit received from sales produce" was ranked 3rd.