Utilization on micro-credit provides by Punjab Rural Support Programme (PRSP) to the females of Satiana and Jhumra district Faisalabad [Pakistan]

Women's participation in the National development is an important issue, which received considerable attention of several developing countries in recent years. Many countries are trying their best to integrate more, women in to developmental process. A woman faces many problems in participating different activities outside the home. In spite of these social and cultural hurdles rural women are the major contributors to the economy of the country. Its Pakistan rural women are not just louse wives but attend to livestock and farm operations. Pakistan is a country of villages. Most of the population is wing in rural areas. Social, economic conditions of our rural community are very poor. Most of the people are leading a miserable life. Physical infrastructure and technology development. Micro-credit is the extension of small loans for poor, especially women for the purpose of investing in self-employment programme. It improves the earning capacity and therefore the living standards of women by enabling them to take economic decision and reduce poverty. Main objectives of the study were study the socio-economic characteristics of female loaners and assess the amount of loan provided by Punjab Rural Support Programme (PRSP). Also study the utilization of the credit and perception of females regarding development through credit facility. Majority of the loanee Women belonged to age category 2640 years. 80.8 percent were married and majorities were illiterate. Majority of the respondent's husband (44.16 percent) were non-agriculturists. Many of them were shopkeepers, or running small business. 70.66 percent had 2-15 acres land holding and 66.25 percent were owner cultivators. They had their own Land. 70.83 percent had annual - income between 5,000-75 000, belong to low-income category. 48.4 percent were living in semi-pukka houses. More than half of the respondents belonged to nuclear family system. 53.3% of respondent's credit was continuing. They were paying installing. The finding indicates that 65.0% of the respondents taken loan only one time. 90 percent were satisfied with the amount of credit. Majority said that PRSP takes only social collateral. The study reveals that majority of the respondent's income increased to some extent after getting credit and they utilized their loan in income generating activities and only 5.83 percent used in household activities. 94.2 percent of respondents were satisfied with utilization of their loan while 85.8% were satisfied with mark up rate i.e. 20% fixed by PRSP. Above half of the respondents paid their installments monthly. 9 5.8 percent were satisfied with repayment schedule. 96.7 percent paid their credit on given time. 75 percent had no saving so they cannot repay their credit in time. Majority of the respondents said that their husband used the credit. They were motivated to get credit by their relatives/friends. 90 percent indicated that their poverty was reduced after getting credit and 89.2 percent said that their social status has also unproved after getting credit. Majority of the female loonies attended the meetings of PRSP staff only 94.2 percent said that attitude of PRSP staff is favourable towards solution of their problems. Majority of the female loaners were satisfied to great extent with credit procedure especially to females. 96.7 percent told that PRSP staff contacted 2 times in a month. 32.5 percent suggested profitable business or having money in female's hands so that they participate in rural development programme and improvement in their status. Majority of the loanee women in different Cost were also having skills and experience, but shortage of income they can not running successfully these business, which are thought reasonable for women ill our society like schools, stitching centers, hospitals, carpet waving, Khadees etc. It is also concluded that default ratio among female loanee was very low only those were not pay credit on time who used the credit personally/household activities. It is concluded that micro-credit for females of rural areas is accepted an affective Method to reduce poverty and improved them economically and socially. Pakistani society is male dominated society, so the females are pressurized in every field of life certainly they are economically depend upon their husbands, father, brother etc. if they will be provided by income and started their own business they become more confident and strong.