SANTHIA UPAZILA
3.9 Measur ement of ind epend ent vari a bles
The procedures for measuring the independent variables are as follow · Age:
The age of a respondent was measured in term of year from her date of birth to interview.
Repay ment score was computed in the follow ing way:
Nature of repayment Score assign
Can ·t repay an) installment 0
Rarely (Defaulter 5-6 installment)
Occasionally (Defaulter 3-4 installment) .., FrequentJy (Defaulter l-Z installment) 3
Regularly repay 4
By
following the above mentioned procedure the repayment score of a respondent was measured.The procedures for measuring the dependent variabJes are as following:
For score I considered irregular paid group (That means they default upto 5-6 Installment).
For score 2-3 considered medium paid group (That means they default upto 1-4 Installment).
For score 4 considered regular paid groups (That means they don't default) 3.8 Measurement of dependent variables
Loan repayment behavior of the female borrowers was the dependent variable. Loan repayment behavior of a respondent by computing repayment score according to the nature of repay ment.
24 Lt =Total land area possessed (ha)
a = Homestead area owned by a respondent b
=
Cultivated area owned by a respondent c = Cul tiv ated area taken as Borgad = Cultivated area given as Borga e - Least! given
f =- Lease taken Annual Income:
Annual income of a respondent was measured in taka on the basis of the total yearly earning of her family from agriculture and other sources. For determining agricultural income of a respondent first annual production of different farm outputs like crops.
livestock, fishes etc. was ascertained. Then the total market price of the above items was determined on the basis of the prevailing market prices of the item at the time of
Where
Lt = (a +b+ I /2c+ I /2d-e+ f) Land tenure:
Land holding status of a responding was measured in hectare using the following formula-
Family size:
Family size of borrowers was determined by the total number of member in her family including herself. her husband. children and other dependents.
Education:
Education was measured in terms of years of schooling completed by an individual in education institutions. An education by giving one point for each year of schooling completed for example. if a respondent passed the final examination of SSC his education score was taken as 10. If a person received education from outside the school, his education was assessed in terms of the standard of formal schooling. An education score or 0.5 was given to a respondent who could sign his name only.
3 2 Score assigned Duration of participation
Up to one year
Two years Three years
If above three years score will be increase one for each year.
Executive officer 4
Durational of score was assigned in the following way:
Member of executive committee ..,
0
score assigned Nature of participation
No participation General number
Participation score was assigned in the following way:
P =Participation D = Duration score Where
Organizational participation score = PD Organizational participation:
Organizational participation of a respondent was measured by the nature and length duration of participation in different organization. The scale used for computing organizational participation is given below.
Annual expenditure:
Annual gross expenditure of a respondent was measured in terms of taka on the basis of the total expenditure of her family firstly. cost of all the item such as food, education housing family cost management cost and others area measured in term of taka on the basis of the expenditure these are added together to obtain the total expenditure during the preceding year.
interview ing. Income of the respondent and other members of are family form others sources (Service. business etc.) was also determined.
26 3.10 Categorization of respondents
For describing the various independent as dependent variables the respondents were classified into various categories. These categories were developed for each of the variable by constructing the nature of distribution of the data and the social system.
The procedures for categorization have been discussed while describing the respondent s characteristics in chapter iv.
Problem Faced by the Female Borrowers during Repayment of Loan:
It was measured by constituting of six problems. The farmers were asked to express their problem in the form of 'very much'. 'much', 'some". 'little' and not at all. A score of 4 was given to 'very much'. 3 to 'rnuch, 2 to 'some. l to 'little. and 0 to 'not at air. Loan Repayment Problem Index (LRPI) was made by adding the score of all the borrowers. Sev erity of problems was measured according to the LRPJ.
Attitude towards BRAC loan
It was measured by constituting of ten statements (Five positive and five negative). A statement was considered positiv e if it possessed an idea favorable towards the BRAC loan. On the other hand, a statement was considered negative if it was unfavorable towards the BRAC loan. The respondents were asked to express their opinion in the form of .. Strongly agree" "Agree" .. Undecided" "Disagree" and "strongly disagree".
A score of 4 was given to "strongly agree". 3 to agree. 2 to undecided, I to disagree and 0 to strongly disagree if the statement was positive. A reverse scoring method was followed in case if statement considered negative. Attitude score of a respondent was determined by summing the scores obtained by her-self for all the items in the scale.
The indexed scores of respondents could range form 0 to 40, showing higher score for favorable attitude and vice versa.
OrganizationaJ participation score was obtained by adding the scores of her participation in all organizations.