Effects of microcredit programs on income levels of participant members: evidence from Eskişehir, Turkey

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2012

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Yayla, Rukiye

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This thesis mainly analyzes the effects of Turkish Grameen Microcredit Program (TGMP) on income levels of the program participants in Eskişehir. The studies found in the literature which examine the effects of TGMP on participants concentrate on Diyarbakır in 2007 whereas this thesis provides evidence for a province which has different socio-economic characteristics, Eskişehir, in 2011. The methodology used is sample survey on participants through interviews and results are evaluated with non-parametric statistical tests. Poverty levels of program participants, characteristics of microbusinesses conducted by them, effect of the program on profit levels of microbusinesses and relation between profit levels of microbusinesses and other variables are analyzed in detail. The main findings of the study reveal that TGMP Eskişehir branch does not discriminate in favor of or against poorest women, microbusinesses conducted by participants concentrates on traditional and low profit ones, the program positively affects the profit levels of some microbusinesses but not for all of the participants and the effect of the program on profit levels is positively related with the microcredit amount spent for these businesses. It is concluded from the findings that TGMP cannot be the solution for poverty by itself and recommendations for improving the program and its effects are provided accordingly.

Subject Keywords

Microfinance

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http://etd.lib.metu.edu.tr/upload/12614307/index.pdf
https://hdl.handle.net/11511/21509

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Graduate School of Social Sciences, Thesis

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Citation Formats

R. Yayla, “Effects of microcredit programs on income levels of participant members: evidence from Eskişehir, Turkey,” M.S. - Master of Science, Middle East Technical University, 2012.