The Moderating Role of Group Lending on the Relationship between Microfinance and Poverty in Pakistan

Rossazana, Binti Ab-Rahim and Saif-Ul-Mujahid, Shah (2019) The Moderating Role of Group Lending on the Relationship between Microfinance and Poverty in Pakistan. International Journal Academic Research Business and Social Sciences, 9 (3). pp. 1143-1156. ISSN 2222-6990

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Abstract

This paper aims to investigate the moderating effect of group lending on the relationship between poverty and non-governmental (NGO) microfinance in Northern Pakistan, Khyber Pukhtun Khawa. Quantitative primary data is collected from 297 borrowers of NGOs microfinance. The partial least squares-structural equation modelling moderating role of group lending between the microfinance and poverty is estimated through structural equation model and for the purpose of calculation Smart PLS is used. The results show that the group lending has significant impact on relationship between poverty and microfinance and played a major role in mitigating moral hazard among the respondents. The finding suggests that the group lending approach should be adopted in the loan distribution especially in rural areas.

Item Type: Article
Uncontrolled Keywords: Microfinance, Poverty, Moderator, Group Lending, Pakistan, unimas, university, universiti, Borneo, Malaysia, Sarawak, Kuching, Samarahan, ipta, education, research, Universiti Malaysia Sarawak.
Subjects: H Social Sciences > H Social Sciences (General)
H Social Sciences > HB Economic Theory
H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management
Divisions: Academic Faculties, Institutes and Centres > Faculty of Economics and Business
Depositing User: Gani
Date Deposited: 01 Jul 2019 01:19
Last Modified: 23 Jun 2020 07:06
URI: http://ir.unimas.my/id/eprint/25418

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