Abstract
<p class="1main-text">This study examines the impact of microfinance on gender based income generating activities of the Khushhalli Bank Ltd client’s in urban zone of district Quetta during year 2011. The Primary data was collected through structured questionnaire from 80 clients (60 beneficiaries and 20 non-beneficiaries) by adopting cross sectional experimental design.</p><p class="1main-text">In order to analyze the collected data the t-tests were applied. The results show that the microfinance has a positive impact on both male as well female beneficiaries as compare to non-beneficiaries in term of increase in business performance. It has non-significant impact on average sale revenue of both male as well as female micro-entrepreneurs. Whereas it has a significant impact on average net profit, average fixed assets as well as average net worth of the male but having non-significant impact on female established micro-entrepreneurs. Comparison of gender based business performance reveals that the microenterprises operated by male are able to generate better revenue and net income performance also the same results are obtained in case of enhancement in fixed assets as well as net worth. So we may confidently say that male clients are able in utilizing the microfinance services more effectively as compared to female.</p>
Highlights
In the Balochistan province of Pakistan woman are responsible for household activities such as raising kids, cooking and maintaining house
From the data it is inferred that the high percentage of both married male and female are interested in seeking microfinance services as compared to unmarried
The present study examines impacts of microfinance facilities obtained by microenterprises from the Khushhalli Bank, Quetta, Pakistan
Summary
In the Balochistan province of Pakistan woman are responsible for household activities such as raising kids, cooking and maintaining house. Women of Balochistan have potential to play a vital role in economic growth of families and communities if financial hurdles are removed and societal discriminations are overcome It is a need of the time that female should share with male counterparts in economic activities and to support families more effectively in monitory terms. In absence of government support members of the poor communities continue to rely on meager self-finance or financial assistance from informal sources to initiate microenterprises at local level. This reduces their profitability and entrepreneurial thrill. Such a marginal section of a society might be effectively assisted and empower through provision of microfinance services (ADB, 2009)
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