American International Journal of Social Science

The Impact of Microfinance on Women Micro-Enterprises “A Case Study of District Quetta, Pakistan”
Dr. Abdul Naeem, Professor. Dr. Shadiullah Khan, Dr. Sana-ur-Rehman Sheikh, Dr. Muhammad Ali, Dr. Faqir Sajjadul Hassan

Abstract
Lack of financial resources is considered one of the main constraints of women participation in economic development. The microfinance is considered as one of the important tool for resolving this problem. The overall aim of this study is to explore the impact of microfinance on women microenterprises. With the help of survey design; the primary data is collected through structured questionnaires covering one group of 60 female beneficiaries who availed microfinance for two years or more prior to the survey and compare with a group of 20 new clients of the BRAC, Pakistan an NGO in district Quetta. The stratified random sample as used for selection of members from both groups. Results of the study show that microfinance has positive impact on creation of microenterprises. The microfinance is helpful in enhancement of average sale revenue and net income. The microfinance has also positive impact on average net working capital, average fixed assets and helpful in improvement of credit worthiness of beneficiaries’ microenterprises as compare to non-beneficiaries.

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