Assessing the Role of Micro Finance for Poverty Alleviation in Sindh

Zulfiqar Ali Rajper
Assistant Professor, Department of Commerce, Shah Abdul Latif University Shikarpur Campus, Pakistan.

Ikhtiar Ali Ghumro, PhD.
Professor, Department of Commerce, Shah Abdul Latif University Khairpur, Pakistan.

Riaz Ahmed Mangi, PhD.
Professor, Department of Commerce, Shah Abdul Latif University Khairpur, Pakistan.

Jamil Ahmed Lund
Principal Scientific Officer

Abstract:-
Microfinance is playing a significant role in poverty alleviation. The current study
focused on the impact of microfinance on poverty alleviation in Sindh. The purpose of
this study is to analyze the impact of loan and income on the poverty alleviation among
the respondents in Sindh. The target population for this study was the respondents who
are the customers of Khushhali Bank Limited in the Sukkur region Sindh and the sample

size was of 370. The survey has been conducted to collect the data through the close-
ended questionnaire. The SPSS v.21 software was used to analyze the data. The

relationship among the study variables measured by using the Pearson correlation and
the regression technique was used to know the impact among the study variables
(Dependent/Independent). In this research, the study variables are significantly
correlated with each other and have a significant impact among the study variables. The
current study reveals that the effective provision and easy access of microfinance can
empower the poor to maintain their consumption level, develop micro enterprises and
gradually increase their assets. It helps in generating income to improve their living
standards and can enjoy the quality of life. With little effort, microfinance institutions can
improve their performance and play a big role in alleviating the poverty of their
customers in Sindh. The conclusion drawn from this study found a significant
relationship among the study variables and the microfinance as a key factor for
alleviating poverty among the respondents in Sindh.


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