Selvaraj N, Alagukanna AS and Suganya M
Micro-credit now means providing small scale financial services to people, who operate very small or microenterprises who work in agriculture, fishing and herding, who provide services and other individuals or groups at the local levels of developing countries both rural and urban. For assessing the impact of micro credit, a comparison of pre-credit and post-credit situations is undertaken in this study. The impact was measured as the difference in the magnitude of a given parameter between pre and post-credit situations. An attempt has been made to examine the variation in annual income of the respondents among various sectors, such as agricultural, manufacturing, service and trading sectors. For this one way ANOVA is applied. The household income represents the total income of the family members through all sources before availing micro credit. When the family members earn, it is a supporting source of income for the respondent. The higher family income indicates a better standard of living, and a better family environment. The annual income of the household before availing credit has been classified into four groups.
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