angladesh is a pioneer and home of conceptualizing microcredit program. It has undertaken a number of such programs to reduce poverty and bring about socio-economic changes in the rural community. Bangladesh is one of the populous countries of the world and a high percentage of the population suffers from abject poverty. Poor rural families of Bangladesh take microcredit from different non-government organizations (NGOs) for reducing poverty and increase the standard of their life. Microcredit makes some socio-economic changes on rural population including the reduction of income inequality, unemployment, consumption etc. Moreover, microcredits from the NGOs are spent on income generating activities and hence increase the income of rural population as well as making their saving habit. The microcredit has also positive impacts on health, education, nutrition, population growth, life expectancies and economic welfare of the poor rural family. This paper examines the socio-economic impacts of microcredit on rural family in four villages named Malonchi, Khoyershoti, Dipchor, and Monipur under Pabna Sadar, Pabna, Bangladesh.

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小额信贷对孟加拉国农村地区的社会经济影响：计量经济学分析

英格兰是小额信贷计划概念化的先驱和发源地。它开展了许多此类计划，以减少贫困并为农村社区带来社会经济变革。孟加拉国是世界上人口众多的国家之一，有很高比例的人口处于赤贫状态。孟加拉国农村贫困家庭从不同的非政府组织 (NGO) 获得小额信贷，以减少贫困并提高他们的生活水平。小额信贷给农村人口带来了一些社会经济变化，包括减少收入不平等、失业、消费等。此外，来自非政府组织的小额信贷用于创收活动，从而增加了农村人口的收入并养成了他们的储蓄习惯。小额信贷对健康、教育、农村贫困家庭的营养、人口增长、预期寿命和经济福利。本文研究了小额信贷对孟加拉帕布纳帕布纳萨达尔 (Pabna Sadar) 领导下的四个村庄 Malonchi、Khoyershoti、Dipchor 和 Monipur 的农村家庭的社会经济影响。