Women's Empowerment Through Microcredit in Rural Bangladesh: Evidence From Lakshmipur District

This study investigates the impact of microcredit on women’s empowerment in rural Bangladesh, specifically within the Lakshmipur District. A quantitative research approach was adopted by utilizing the data collected through a structured questionnaire. The survey involved 150 women from the district with a focus on their economic activities, autonomy, and social participation. The findings reveal that most respondents (65%) engage in trading supported primarily by microfinance and NGO loans. The majority (43%) achieved annual earnings exceeding BDT 6000, yet 40% reported challenges with loan repayment. The household decision-making analysis showed that 57% of the participants exercised autonomy over financial choices.  The results suggest that 83% of the respondents were married, underscoring their motivation to improve family finances. Moreover, 93% observed positive effects on family life, highlighting the role of microcredit in promoting economic and social empowerment, despite cultural challenges. Recommendations include integrating skill development with microcredit programs and involving male family members to create a supportive environment. This study highlights the potential of microcredit while suggesting pathways to achieve more sustainable empowerment for rural women in Bangladesh.