Abstract
This study examined the process of microcredit disbursement among brick kiln
labourers and paying off loan in monthly installments. In depth interviews were
conducted with the brick kiln labourers to solicit their experiences and difficulties
regarding acquisition of microcredit. The process of acquiring microcredit
involves many steps from the awareness about microcredit to disbursement of the
loans. A local NGO was responsible to guide brick kiln labourers about different
steps of getting microcredit. The study explains how the prevalence of inequitable
and manipulative practices involved at different stages of acquiring microcredit
may restrict labourers’ right of access to the facility of loan
Ahmed Usman, Jafar Riaz Kataria , Hamid Awan, Shabbir Hussain, Muhammad Usman. (2015) Elimination of Bonded Labour in South Asia: The Process Patronage and Labourers’ Right to Access Micro Credit in Brick Kiln Industry of Pakistan., South Asian Studies, Volume 30, Issue 1.
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