Assessing The Impact of Microfinance on Women's Livelihoods in Sindh, Pakistan


  • Muhammad Qabil Dayo Ph.D. Scholar, Department of Economics, Shah Abdul Latif University, Khairpur Mirs. Author
  • Prof. Dr. Fayaz Raza Chandio Professor, Department of Economics, SALU, Khairpur Mirs. Author
  • Prof. Dr. Muhammad Saleem Rahpoto Professor & Chairman, Department of Economics, SALU, Khairpur Mirs. Author


microfinance, ladies' livelihoods, strengthening, Sindh, Pakistan, monetary turn of events, orientation uniformity, monetary incorporation, financial elements, microcredit, reserve funds components


Microfinance, which is described as giving microcredit, reserve funds, and monetary schooling to financially underestimated populaces, has earned impressive respect for decreasing neediness and enabling ladies in agricultural nations. This study gives a thorough investigation of the numerous effects of microfinance mediations on ladies' occupations in Sindh, Pakistan, a locale set apart by financial difficulties and a moderate social scene. In a blended strategies research project consolidating quantitative examinations and subjective meetings, we investigate the complicated elements fundamental to the connection between microfinance and ladies' strengthening. The fundamental goal of the review is to analyze how admittance to microcredit, investment funds components, and monetary training programs have impacted ladies' pay age and generally speaking financial strengthening in Sindh. Utilizing a thorough study device, we gathered quantitative information on ladies' pay levels, business examples, and interests in enterprising exercises, both when working with microfinance establishments. The outcomes shed light on how microfinance has given ladies the monetary assets expected to participate in pay-creating exercises, in this manner breaking the pattern of neediness that has restricted them before. Notwithstanding quantitative appraisals, subjective techniques were utilized to catch the nuanced and explicit elements of ladies' encounters with microfinance. Through top-to-bottom meetings and center-gathering conversations, we dug into the subjective parts of their lives, looking at the effect on friendly elements, dynamic power, and the capacity to adapt to monetary emergencies. We look at what microfinance means for ladies' social remaining in their families and networks and analyze changes in their jobs and discernments. This subjective review is vital for grasping the more extensive ramifications of microfinance past absolutely monetary angles and can give knowledge into the likely difficulties and potential open doors related to these intercessions. The review is set about Sindh, Pakistan, a district where monetary disparities are articulated, and customary orientation standards frequently limit ladies' support in financial exercises. Rural and casual exercises in this area, with restricted admittance to formal monetary administrations, shape Sindh's financial scene. In this specific situation, the significance of microfinance for the monetary consideration of ladies who might somehow be rejected from the conventional financial area is expanding. Likewise, Sindh's social climate, molded by moderate standards and customs, presents novel difficulties, and opens doors for microfinance programs for ladies' strengthening, making this concentrate especially significant for understanding the flexibility and viability of microfinance in various socio-social settings. The aftereffects of this examination have extensive ramifications for both strategy and practice. In the worldwide setting, microfinance has turned into a fundamental apparatus for advancing financial turn of events and orientation uniformity. By looking at their effect in Sindh, we give significant experiences into the viability of microfinance mediations in a difficult and complex climate, which can act as a reason for the plan and execution of future projects to enable ladies in comparative settings. The review can likewise assist policymakers with refining existing strategies and guidelines, fitting them to the particular requirements and obstructions faced by ladies in Sindh and comparative districts. All in all, this complete evaluation of the effect of microfinance on ladies' vocations in Sindh, Pakistan, consolidates quantitative and subjective strategies to give a thorough comprehension of the issue. Through bottom information assortment and examination, we investigate what microfinance has meant for ladies' pay, financial cooperation, and social elements, and give a nuanced viewpoint on engaging ladies in a moderate, unfortunate region potential. This study plans to add to the continuous exchange on the job of microfinance in advancing ladies' financial freedom and, all the more comprehensively, in working on their general personal satisfaction in a setting where these valuable open doors are restricted.


Acharya, Dev R., Jacqueline S. Bell, Padam Simkhada, Edwin R. Van Teijlingen, and Pramod R. Regmi. 2010. Women’s autonomy in household decision-making: A demographic study in Nepal. Reproductive Health 7: 15. [CrossRef] [PubMed]

Agbola, Frank W., Angelito Acupan, and Amir Mahmood. 2017. Does microfinance reduce poverty? New evidence from Northeastern Mindanao, the Philippines. Journal of Rural Studies 50: 159–71. [CrossRef]

Ahmad, Naila Masood, and M. Masood Ahmad. 2016. Role of Microcredit towards Socioeconomic Empowerment of Pakistani Urban Women. Anthropologist 26: 189–97. [CrossRef]

AIM. (n.d.). Akhuwat Islamic Microfinance (AIM). [Online]. Available at:

Aitken, R. (2013). The financialization of micro‐credit. Development and Change, 44(3), 473-499

Ali, A., & Erenstein, O. (2017). Assessing farmer use of climate change adaptation practices and impacts on food security and poverty in Pakistan. Climate Risk Management, 16, 183-194.

Al-Mamun, Abdullah, Sazali Abdul Wahab, Mohammad Nurul Huda Mazumder, and Zhan Su. 2014. Empirical investigation on the impact of microcredit on women empowerment in urban Peninsular Malaysia. The Journal of Developing Areas 48: 287–306. [CrossRef]

Al-Mamun, A., Wahab, S. A., Mazumder, M. N. H. & Su, Z., (2014). Empirical investigation on the impact of microcredit on women empowerment in urban Peninsular Malaysia. The Journal of Developing Areas, pp.287-306.

Al-Qahtani, Maleeha Mohammed Zaaf, Tarek Tawfik Yousef Alkhateeb, Haider Mahmood, Manal Abdalla Zahed Abdalla, and Thikkryat Jebril Obaid Talalah Qaralleh. 2020. The Role of the Academic and Political Empowerment of Women in Economic, Social and Managerial Empowerment: The Case of Saudi Arabia. Economies 8: 45. [CrossRef]

Al-Shami, Sayed Samer Ali, Izaidin Majid, Mohd Razali Mohamad, and Nurulizwa Rashid. 2017a. Household welfare and women empowerment through microcredit financing: Evidence from Malaysia microcredit. Journal of Human Behavior in the Social Environment 27: 894–910. [CrossRef]

Al-Shami, Sayed Samer Ali, R. M. Razali, and Nurulizwa Rashid. 2017b. The Effect of Microcredit on Women Empowerment in Welfare and Decisions Making in Malaysia. Social Indicators Research 137: 1073–90. [CrossRef]

Amin, R., & Sheikh, R. I. (2011). The impact of micro-finance program on the poor: A comparative study of Grameen Bank, BRAC and ASA in some selected areas in Bangladesh. European Journal of Business and Management, 3(4), 346-364.

Anuradha, P. I. & Fernando, R. L. S., (2017). Factors Affecting Successful Implementation of Poverty Alleviation Policy in Sri Lanka, Journal of Public Administration and Governance, 7(4).

Asghar, A. (2018). Empowering women still a challenge in Pakistan, Pakistan & Gulf Economist. [Online]. Available at: challenge-in-pakistan/

Ayuub, S. (2013). Impact of microfinance on poverty alleviation: A case study of NRSP in Bahawalpur of Pakistan. International Journal of Academic Research in Accounting, Finance and Management Sciences, 3(1), 119-135.

Babbie, Earl R. 2013. The Practice of Social Research, International ed. Andover: Cengage Learning.

Baig, Irfan Ahmad, Zarmina Batool, Asghar Ali, Sajjad Ahmad Baig, Muhammad Hashim, and Muhammad Zia-ur-Rehman. 2017. Impact of women empowerment on rural development in Southern Punjab, Pakistan. Quality & Quantity 52: 1861–72. [CrossRef]

Barbara, G. Tabachnick, Linda S. Fidell, and Jodie B. Ullman. 2007. Using Multivariate Statistics. Boston: Pearson Boston, vol. 5. Tasos, Stylianou, Muhammad I. Amjad, Masood S. Awan, and Muhammad Waqas. 2020. Poverty Alleviation and Microfinance for the

Bateman, Milford. 2012. The role of microfinance in contemporary rural development finance policy and practice: Imposing neoliberalism as ‘best practice’. Journal of Agrarian Change 12: 587–600. [CrossRef]

Bayulgen, Oksan. 2008. Muhammad Yunus, Grameen Bank and the Nobel Peace Prize: What political science can contribute to and learn from the study of microcredit. International Studies Review 10: 525–47. [CrossRef]

Bhuiya, Mohammad Monzur Morshed, Rasheda Khanam, Mohammad Mafizur Rahman, and Son Hong Nghiem. 2016. Impact of microfinance on household income and consumption in Bangladesh: Empirical evidence from a quasi-experimental survey. The Journal of Developing Areas 50: 305–18. [CrossRef]

Cheston, Susy, and Lisa Kuhn. 2002. Empowering women through microfinance. Draft, Opportunity International 64: 1–64.

Cuong, Nguyen Viet. 2008. Is a governmental micro-credit program for the poor really pro-poor? Evidence from vietnam. The Developing Economies 46: 151–87. [CrossRef]

Economy of Pakistan: A Case Study of Khushhali Bank in Sargodha. Economies 8: 63. [CrossRef]

Finance Division. 2008. Poverty Reduction Strategy Paper (PRSP)-II. Islamabad: Finance Division Government of Pakistan.

Garikipati, Supriya. 2008. The impact of lending to women on household vulnerability and women’s empowerment: Evidence from India. World Development 36: 2620–42. [CrossRef]

Haq, Zahoor Ul, Hina Nazli, and Karl Meilke. 2008. Implications of high food prices for poverty in Pakistan. Agricultural Economics 39:

Hashemi, Syed M., Sidney Ruth Schuler, and Ann P. Riley. 1996. Rural credit programs and women’s empowerment in Bangladesh.

Hermes, Niels, and Marek Hudon. 2018. Determinants of the performance of microfinance institutions: A systematic review. Journal of Economic Surveys 32: 1483–513. [CrossRef]

Hussein, Maliha, and Shazreh Hussain. 2003. The Impact of Micro Finance on Poverty and Gender Equity: Approaches and Evidence from Pakistan. Islamabad: Pakistan Microfinance Network.

Imai, Katsushi S., and Shafiul Azam. 2012. Does microfinance reduce poverty in Bangladesh? New evidence from household panel data. Journal of Development Studies 48: 633–53. [CrossRef]

Islamabad: European Union-Pakistan Financial Services Sector Reform Programme, Islamabad.

Kabeer, Naila. 1999. Resources, agency, achievements: Reflections on the measurement of women’s empowerment. Development and Change 30: 435–64. [CrossRef]

Kabeer, Naila. 2005. Is microfinance a’magic bullet’for women’s empowerment? Analysis of findings from South Asia. Economic and Political Weekly 2005: 4709–18.

Kabungaidze, Trust, Nomakholwa Mahlatshana, and Hlanganipai Ngirande. 2013. The impact of job satisfaction and some demo- graphic variables on employee turnover intentions. International Journal of Business Administration 4: 53–65. [CrossRef]

Khan, M. S., Rahpoto, M. S., & Mangnejo, G. M. (2020). The Effect of the Financial Crisis on Corporal Well-Being: Apparent Impact Matters: Assessment of Contagion to Developing Economies. Research Journal of Social Sciences and Economics Review, 1(3), 232-238.

Khan, M. S., Rahpoto, M. S., & Talpur, U. (2021). The Effect of the Financial Crisis on Corporal Wellbeing: Apparent Impact Matters. In Internet of Everything and Big Data (pp. 25-34). CRC Press.

Khan, Mahmood Hasan. 2004. Methods of assessment of rural poverty, projects and programme impact. In A Handbook for Practitioners in Rural Support Programmes. Islamabad: Rural Support Programmes Network, vol. 1, pp. 69–83.

Khandker, Shahidur R. 2005. Microfinance and poverty: Evidence using panel data from Bangladesh. The World Bank Economic Review

Khoso, A. A. K., Pathan, M. S. K., & Ahmed, M. (2022). Exploring The Impacts and Aftershocks of Covid-19 on Islamic Banking and Conventional Banking in Pakistan. International Research Journal of Management and Social Sciences, 3(1), 179-192.

Khowaja, I. A., Talpur, U., Soomro, S. H., & Khan, M. S. (2021). The non-banking financial institutions in perspective of economic growth of Pakistan. Applied Economics Letters, 28(8), 701-706.

Krejcie, Robert V., and Daryle W. Morgan. 1970. Determining sample size for research activities. Educational and Psychological Measurement 30: 607–10. [CrossRef]

Mahmood, Samia. 2011. Microfinance and women entrepreneurs in Pakistan. International Journal of Gender and Entrepreneurship 3: 265–74. [CrossRef]

Mark Schreiner 2016. Simple Poverty Scorecard Poverty-Assessment Tool: Pakistan. Available online: https://www.simplepovertysco (accessed on 25 November 2021).

Mazumder, Mohummed Shofi Ullah. 2015. Role of microfinance in sustainable development in rural Bangladesh. Sustainable Development 23: 396–413. [CrossRef]


Naser, M. A., and D. Crowther. 2016. Microfinance and Women Empowerment Corporate Responsibility and Stakeholding. Bingley: Emerald Group Publishing Limited, pp. 49–65.

O’Hara, Corey, and Floriane Clement. 2018. Power as agency: A critical reflection on the measurement of women’s empowerment in the development sector. World Development 106: 111–23. [CrossRef]

Parmar, Aradhana. 2003. Micro-credit, empowerment, and agency: Re-evaluating the discourse. Canadian Journal of Development Studies/Revue canadienne d’études du développement 24: 461–76. [CrossRef]

Pathan, M. S. K. (2022). The Impact of Emotional Intelligence on Leadership Effectiveness. International Research Journal of Management and Social Sciences, 3(3), 1-7.

Pathan, M. S. K. (2022). The Influence of Organizational Cultu*re on Employee Commitment and Turnover Intentions. International Research Journal of Management and Social Sciences, 3(4), 34-43.

Pathan, M. S. K. (2023). Assessing the mediating role of job satisfaction in the relationship between organizational culture and employee commitment. International Research Journal of Education and Innovation, 4(1), 1-11.

Pathan, M. S. K., Khoso, A. A., & Ahmed, M. (2022). Digital Model Anecdotes Through Artificial Intelligence in Socioeconomic and Islamic Investments. International Research Journal of Education and Innovation, 3(2), 195-209.

PPAF. 2012. Assessment of Measuring Impact of PPAF Interventions Using Pakistan Poverty Scorecard. Islamabad: Pakistan Poverty Alleviation Fund, Available online: (accessed on 6 January 2022).

Rahat, S., & Pathan, M. S. K. (2021). Sustainable Climate Approach and in Context of Environment Economy: A Classical Analyze Matters. Neutron, 21(1), 40-45.

Rashid, Tahmina, and Jonathan Makuwira. 2014. Global financial crisis and women’s micro-lending innovations in Pakistan and Malawi. Development in Practice 24: 39–50. [CrossRef]

Rehman, Huma, Amani Moazzam, and Nighat Ansari. 2015. Role of microfinance institutions in women empowerment: A case study of Akhuwat, Pakistan. South Asian Studies 30: 107.

Ruhul Amin, M., Stan Becker, and Abdul Bayes. 1998. Poor women’s participation in microcredit programmes and their empowerment by using empirical data from rural Bangladesh. The Journal of Developing Areas 32: 221–36.

Sayvaya, Inpaeng, and Phouphet Kyophilavong. 2015. Does microfinance reduce poverty in Lao PDR? International Journal of Development Issues 14: 215–30. [CrossRef]

Sean O’Leary, I. C., Simon Hunt, Ludo Carraro, and Luca Pellerano. 2011. Benazir Income Support Programme Impact Evaluation Baseline Survey Report. Oxford: Oxford Policy Management.

Shirazi, Nasim Shah. 2012. Targeting and Socio-Economic Impact of Microfinance: A Case Study of Pakistan. Islamic Economic Studies 20: 1–28.

Van Rooyen, C., R. Stewart, and T. De Wet. 2012. The impact of microfinance in sub-Saharan Africa: A systematic review of the evidence. World Development 40: 2249–62. [CrossRef]

World Bank. 2007. Social Protection in Pakistan: Managing Household Risks and Vulnerability. Washington, DC: World Bank Group. Zaidi, S Akbar, Haroon Jamal, Sarah Javeed, and Sarah Zaka. 2007. Social Impact Assessment of Microfinance Programmes. Draft Report.

World Development 24: 635–53. [CrossRef]




How to Cite

Assessing The Impact of Microfinance on Women’s Livelihoods in Sindh, Pakistan. (2023). International Research Journal of Management and Social Sciences, 4(3), 528-545.

Similar Articles

1-10 of 210

You may also start an advanced similarity search for this article.