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sur le développement des zones arides et semi-arides

Titre : Impacts of microcredit services on the livelihood of households in Injil district of Herat, Afghanistan : a case study on FMFB credit program in Injil district of Herat Province (Afghanistan)

Auteur : Mohammad Shoaib Amin

Université de soutenance : Van Hall Larenstein University of Applied Sciences

Grade : Master in Management of Development Specialization : International Agriculture and Food Security (MOD - IA) 2010

Résumé
This masters’ degree thesis was conducted to evaluate the impact of the FMFB microcredit on the livelihood of the client households in Injil district of Herat, Afghanistan. The case of FMFB microcredit program was chosen and its clients were interviewed during 15-28 July 2010. By use of open conversation and some close questions the researcher tried to understand the impact of microcredit on livelihood of clients’ household. The study found out that majority of the clients (70%) of the clients used the loans for income generating purposes. The income generated from their loan-based businesses is only sufficient to respond to the basic needs of the household. None of the clients are able to make cash savings from their income. This is the reason that their loan-based business is not stable for long term and it is vulnerable against any kind of shocks. In case of any loose and damage, they are not able to recover by themselves and they would be again depended on microcredit. In this regard the study also found that for some client microcredit is a tool in order to shift from their short-term informal loan into long-term formal loan. Those are mostly the clients who experienced shocks ; such as illness, funeral and etc. Such shocks made them to barrow from the friends and relatives, but when they were not able to repay from their income, they found microcredit as the only source for repaying their informal loans. For such types of clients, microcredit highly associates to their vulnerability and put them in danger of repayment failure. Unlike financial assets, physical asset accumulation is the main dimension of the livelihood which is positively affected by the microcredit. Of course, the accumulated assets are considered as enterprise capital that the clients directly purchased by loan. Majority of the clients could keep their loan-based physical assets and they are the main sources of their income.

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