Abstract:
This paper analyses the relevance of community- based development framework to the development
processes aimed at women socio-economic upliftment, specifically focusing on the implementation
of Micro credit programme. There have been many inimical impacts on communities brought about
by Micro credit programmes, which have not been made consistently with community- based
development approaches in its implementations, and in which women beneficiaries are not very much
conscious about the significance of the implementations of the programmes for their socio-economic
advancement. The main objective of the study is to analyze how such implementations, which were
not made according to community- based development framework, cause detrimental aftermaths and
also become ineffective in producing expected outcomes in targeted communities. This descriptive
study is mainly based on qualitative method, and quantitative method has also been used to a lesser
extent. Primary data was collected by using questionnaire survey, key informant interviews, personal
interviews and focus group discussions. Secondary information required to the study was accessed
from relevant documents and records of the implemented programmes. Purposive sampling and
simple random sampling were used for the selection of the samples in this study.
Here, fifty women who have taken micro credit from ten micro credit companies have been selected
as simple random samples based on purpose sampling and they have been analysed using the data
collected via interviewing and questionnaire. The study found that micro credit programmes
implemented in the Mavadivembu 02 GN division, the study area, prompted various negative
outcomes than the expected ones, and in some cases, exacerbated the conditions of the targeted
beneficiaries. Excessive burdens of debts, unemployability, decreasing tendencies of income
generations, conflicts, suicides and so on were identified as issues caused by the micro credit
programmes in the area. The study also found that those implementations were not based on the
approaches depicted in community-based development theory as suitable strategies for community
development initiatives such as community consciousness, empowerment and establishments of
supportive structures and failed to achieve intended and preferable effects on the lives of
beneficiaries.
