Rath_Bunhorng_Kmher Poems

MY THESIS TOPIC IS "EFFECTS OF MICROFINANCE ON HOUSEHOLD ECONOMIC
IN PUOK COMMUNE SIEM REAP PROVINCE " 

BY RATH BUNHORNG, 2012

In partial fulfillment of the requirement for graduation

From University of Battambang in Bachelor of Business Administration

Abstract

The study has been conducted in two villages of Siem Reap Province, namely, Kouk Doung village and Kouk Thmey village. The main objective of the study is to access the effectiveness of microfinance on household economic. The study focuses on three specific objectives, the household economic situation, the microfinance demands and the effectiveness of microfinance on household economic.
The study has used Yamane method to choose simple size. A sample size of 75 households was chosen to interview, 27 households from Kouk Doung, and 48 households from Kouk Thmey. The simple random sampling method and purposive method were used to choose population simples and locations.
The result of survey show that borrowers in small non-farm businesses increased income because they were able to buy more inventories and supplies with the loan, and as a result, was able to sell more. They can get enough income to feed the family even though a small amount of capital can make a little business. For borrowers engaged in farming activities, most of their income increased because they were able to buy fertilizers, seeds and other important inputs with the micro finance, which resulted in higher yields and better quality outputs. The findings show that borrowers have more assets, and this difference is statistically significant.Women borrowers are more empowered at the household and community level after they borrowed from microfinance institution. The findings show that women that borrowed micro finance have a higher percentage of joint decision-making between males and females. The study concludes that there was positive impact of loan given by the Micro Finance Institution on the development loan members with respect to cash flow, asset position and income in business and households. This shows that the Micro Finance Institution has positively contributed for the improvement in the living standard of the development loan members.
The result of this survey can provide useful data for governments, non-government organizations, banks, and microfinance institution in order to prepare development plans and strategies. People can use data to know the problems , the advantages of borrowing, and utilization of the borrowed money effectively. Students can use information to get the concepts of research.