TABLE OF CONTENTS

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S.No Contents
Page No
Title... ....i
Dedicationiv
Acknowledgement...v
Abstract.vi
Table of Contents...vii
List of Tables.ix
List of Charts.ix
List of Acronymsx
CHAPTER 1
INTORDUCTION TO TOPIC......1
1.1 Background of the study.........................................................2
1.2 Purpose of the study.....................................................3
1.3 Scope of the study..3
1.4 Limitations of the study.....3
1.5 Methodology of study.3
1.5.1 Primary Data..3
1.5.2 Secondary data..3
1.5.3 Data Collection Tool.4
1.5.4 Data Analysis Technique.4
1.5.5 Sample Size4
1.6 Scheme of the Study4
CHAPTER 2 LITERATURE REVIEW......5
2.1 Literature review ..5
CHAPTER NO: 3 METHODOLOGY OF THE STUDY10
3.1 Research Design....10
3.2 Study Area.....10
3.3 Sample of Clients for primary Data..10
3.4 Sample Size..........................................10
3.5 Questionnaire Design...................................................10
CHAPTER NO 4: HISTORY OF MICROFINANCE..12
4.1 What is Microfinance12
4.2 Difference between Microfinance and Micro Credit ..12
4.3 Microfinance Clients............................................................12
4.4 World History of Microfinance...........................................12
4.5 Worlds Largest Micro Credit Providers ..13
4.6 Microfinance in Pakistan ....14
4.7 Providers of Micro Credit in Pakistan...14
4.8 Microfinance Institutions..15
4.9 Micro Credit in KhyberPukhtunkhwa ...16
4.10 Khushali Bank..17
4.11 Micro Credit Schemes of Khushali Bank...18

vii

CHAPTER NO: 5 ANALYSIS OF THE DATA20

5.1 Gender Information20
5.2 What is your family system? ..21
5.3 What is your education status? .22
5.4 By what percent your income increased? ...23
5.5 What is your level of Satisfaction? ...24
5.6 Did you find the procedure of getting loan easy? .25
5.7 What was your condition before obtaining this credit? 26
5.8 What is your purpose of Credit? 27
5.9 Did this credit bring any change in your life? .28
5.10 What is the type of change? .29
5.11 Are you happy with this change? .30
CHAPTER NO: 6 CONCLUSIONS AND RECOMMENDATIONS..31
6.1 Conclusion.. 31
6.2 Recommendations. 32
References 34
Annexure..36

viii

LIST OF TABLES
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Table 5.1
Table 5.2
Table 5.3
Table 5.4
Table 5.5
Table 5.6
Table 5.7
Table 5.8
Table 5.9
Table 5.10
Table 5.11

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LIST OF CHARTS
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Chart 5.1
Chart 5.2
Chart 5.3
Chart 5.4
Chart 5.5
Chart 5.6
Chart 5.7
Chart 5.8
Chart 5.9
Chart 5.10
Chart 5.11

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ix

LIST OF ACRONYMS

ACCION

Americans for Community Co-operation in Other

Nations

MFBs

Micro finance Banks

MFIs

Microfinance institutions

NGOs

Non-Governmental Organizations

NRSP

National Rural Support Programme

OPP

Orangi Pilot Project

PMN

Pakistan Microfinance Network

PPAF

Pakistan Poverty Alleviation Fund

SEWA

Self Employed Women's Association

SRSP

Sarhad Rural Support Program

PKR

Pakistani Rupee

SPSS

Statistical Package for Social Sciences

KPK

Khyber Pukhtunkhwa