Attitude of Women Beneficiaries towards Policy Management of NGOs in Bangladesh: Conflict and Harmonization

Abstract

The title of dissertation is "Attitude of Women Beneficiaries towards the Policy Management of NGOs in Bangladesh: Conflict and Harmonization". The main theme of the research is, to assess the attitude of the women beneficiaries towards the policies of micro credit program. Literature reveals that there are different and varied studies on micro credit program and women but so far my knowledge goes no such study has been done on the assessment of attitude of the women beneficiaries towards the policy management of the micro credit program. Three NGOs of Bangladesh ASA, BRAC and TMSS have been selected for the study. The research was conducted on 450 women beneficiaries, taking 150 women beneficiaries from each organization. Bagha upazila and Boalia thana under Rajshahi district were selected purposively for the study. Primary and secondary data were collected for the research. Primary data has been collected directly from the women beneficiaries and management of the three NGOs through interview and secondary data has been collected from manuals, annual reports etc. During the collection of primary data structured questionnaire has been used and Likert Scale has been applied to assess the answers so that attitude of women beneficiaries towards the policies of micro credit program can be assessed. Besides these face-to­ face interviews with the women beneficiaries and the management of the NGOs also have been done. In the study, socio economic profile of the subjects i.e. women beneficiaries covered under the study has been assessed and the existing policies of the micro credit program have been identified and attitude of women beneficiaries has been examined and how far the policies of micro credit program have been implemented in the field level has been observed. It is also presented in the study that whether the women beneficiaries have any adverse attitude to a • particular policy and whether they want any change in it and the reaction of the management on the issue. The opinions of top management of three NGOs have been taken through face to face interview on only those policies where adverse attitude of the women beneficiaries are found. Lastly, the stand of the women beneficiaries and NGO authority has been presented and some recommendations have been provided for harmonization. Descriptive and empirical statistical tools have been used for data analysis. It is found in the study that women beneficiaries keep positive or neutral attitude to most of the policies of micro credit program. There are few policies like single membership from a family, providing undertaking for credit, credit utilization, advance repayment and savings policy on which. Women beneficiaries have moderately adverse attitude. But management of the NGOs inform that they are considering the issue with importance and they would take steps in near future only when they could determine the extent of change that they could able to bring………………………….