Anda di halaman 1dari 2

Analysis of Investments Capacity Pattern with Micro Credit The borrowers and non-borrower vulnerable groups investments are

compared for the period of before and after micro credit period in Figure 5:6. FIGURE 5:6, MICRO CREDIT IMPACT ON INVESTMENTS

VULNERABLE GROUPS INVESTMENTS (=N= 000 )


70.00%
60.00% 50.00% 40.00% 30.00%

20.00%
10.00%

0.00%

201 to 250 151 to 200 101 to150 51 to 100 1 to 50

Source: Data analyses 2013 The most interesting feature in figure 5:6 is the trend of the borrowers investments after getting the micro credit. None of them still have investment below =N=26,000.00. Investments within =N=51,000.00 to =N=200,000.00 has

gone high to the extent that some few even have investments capacity of =N=201,000.00 and above. There are also portraits of rising investments within the range of =N=26,000.00 to =N=100,000.00 of the non-borrowers after the relative micro credit period. Since they had no access to the micro loans these improvements in their investments could be due other factors of economic buoyancy which further researches could discover. It is wrath noting that the trends of investments of the borrowers before, the nonborrowers before and the non-borrowers after show similar trends. All of them show much investments within the low amount of =N=1,000.00 to =N=50,000.00. They also have similar investments capacity within the moderate amount investments of =N=51,000.00 to =N=000,000.00. The non-borrowers have shown a risen investments within the range of =N=101,000.00 to =N=150,000.00. That could be due to other factors than NACRDB micro credit effects. None of these three categories have investments above =N=151,000.00. From these comparative analyses, micro credit has indeed shown positive impact on the investment capacity of the borrowers after getting the micro loans.