Proposal2final - RESEARCHPROPOSAL CLIENTSINKPK SUBMITTEDTO...

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RESEARCH PROPOSAL “IMPACT OF FLOOD ON MICROFINANCE   CLIENTS IN KPK SUBMITTED TO: MR. SHAHID ALI Table of content Page no 1. Introduction 1 2. Literature review 1-3 3. Research methodology 4
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4. Scope of the study 4 5. Research Objectives 4 6. Research Design an Method 4-5 7. Analysis and Discussion 5 8. Limitations 5 9. Questionnaire 6 10. Bibliography 8 Introduction: Last year in Pakistan it was heavy rain fall in the north and north western region which give birth to severe flood and it effect huge area of the country. This flood affect a lot of people of Pakistan economically according to The National Disaster Management Authority (NDMA) has estimated that the floods affected seventy-eight districts and covered over 100,000 square km. The floods have exaggerated more than 20 million people, (over one-tenth of Pakistan's population) with over 1,980 reported deaths and nearly 2,946 injured. About 1.6 million homes have been destroyed, and thousands of acres of crops and agricultural lands have been spoiled with major soil attrition occurrence in some areas.
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Through flood whole economy is affected but utmost problem it creates is poor people who are primarily dependent on microfinance for running their businesses loses everything after flood. They already have the burden of repaying their previous debts and after losing their assets they have only one way to survive and fulfill their needs i.e. to barrow again from microfinance institution. In this way demand for loans increases but institutes are unwilling to pay loan to affected people because of the high risk of loonies getting defaulter. This problem also occurred previously after 2005 earthquake. Some researchers have conducted various studies on it and they have concluded that microfinance institution must do risk management before floods and after flood they must revise their lending policies. Our research is basically an exploratory type and aims to find out problems faced by microfinance clients in KPK after flood so that they are addressed accordingly which will lead to ultimate way for their survival. In other words it will decrease the gap between the client and its institution that was originated by the flood. Literature review: (Obaidullah, 2008) in his published work said that microfinance has played a pivotal role in dealing and diminishing the rate of poverty. Usually poor families are mostly vulnerable to the economic crisis faced by a country. They do not have ample amount of cash to fulfill their very necessary demands. Mostly they suffer from scarcity of resources and are not able to save money for the future crisis and rainy days. Having a degraded standard of life, a mere fluctuation in the daily expense or their income can have profound impact on their social and economic lives as well as on the whole society. One of the most significant threats to their lives and low income is from obtaining proper health facility, moreover a very low literacy rate adds to the ever increasing enigmas they
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This note was uploaded on 03/07/2012 for the course FINANCE 280 taught by Professor Saira during the Spring '12 term at IMSciences.

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Proposal2final - RESEARCHPROPOSAL CLIENTSINKPK SUBMITTEDTO...

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