Effectiveness of Cooperative Micro-finance Loan on Rural Area in Myanmar
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The Myanmar government is implementing the Cooperative Micro-finance Loan (CML) program to improve living conditions and increase income through microfinance support in rural poor areas. Therefore, this study aims to analyze the effects of Myanmar microfinance cooperatives on improving rural income and living environment and the influencing factors on the satisfaction of microfinance cooperatives. Both primary and secondary data are used and analyzed to interpret the enhancement of the CML program on the livelihood of members and the promotion of saving habit throughout the loan period by Descriptive statistics, Paired Sample t-Test, Chi-Square Test, and Regression analysis through the Statistical Package for Social Science (SPSS). As a result, CML showed significant positive changes before and after using CML in the livelihood improvement, income increase and saving habits of the farmers. The total amount of the loan, duration of CML and livelihood improvement through CML was analyzed as factors influencing CML satisfaction. The CML program has effectively enhanced the livelihoods of the community members and played a crucial role in government strategies of rural development and poverty alleviation across the nation-wide.
Abstract
The Myanmar government is implementing the Cooperative Micro-finance Loan (CML) program to improve living conditions and increase income through microfinance support in rural poor areas. Therefore, this study aims to analyze the effects of Myanmar microfinance cooperatives on improving rural income and living environment and the influencing factors on the satisfaction of microfinance cooperatives. Both primary and secondary data are used and analyzed to interpret the enhancement of the CML program on the livelihood of members and the promotion of saving habit throughout the loan period by Descriptive statistics, Paired Sample t-Test, Chi-Square Test, and Regression analysis through the Statistical Package for Social Science (SPSS). As a result, CML showed significant positive changes before and after using CML in the livelihood improvement, income increase and saving habits of the farmers. The total amount of the loan, duration of CML and livelihood improvement through CML was analyzed as factors influencing CML satisfaction. The CML program has effectively enhanced the livelihoods of the community members and played a crucial role in government strategies of rural development and poverty alleviation across the nation-wide.
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