Necessity of Capacity Building before Taking Microcredit: Poor Women Perspective of Bangladesh

This study is to assess the necessity of capacity building of borrower before taking the microcredit. The common agents for human capacity building are training, coaching, consulting, academic education, referrals, research etc. The impact of training has been assessed in this research. This study has been conducted on the basis of primary and secondary data. Some questionnaires have been developed for the borrower. Main hypothesis was that trained borrowers might have higher income level than non-trained borrowers. To test this hypothesis it has been interviewed some trained and nontrained borrowers. From the collected data it has been found that there is no significant relationship between the income level of trained and non-trained borrowers. But it has been found that there is significant relationship between the creation of employment opportunity of trained and non-trained borrowers. This study shows that the pre-trained borrowers are hiring more people from outside of their family members than the non-trained borrowers. This study also reveals that the trained borrowers are involved in those activities that contribute directly to the GDP. It has been concluded that there is no significant impact of training on income level but it increases the employment opportunity