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This research investigates the impact of microfinance in alleviating the mountain-specific
poverty and improving the living standards of the mountain inhabitants in the Central
Karakorum National Park region of Gilgit-Baltistan, Pakistan. For the empirical
investigation, this study collected quantitative and qualitative household-level data from
a total of 424 households through structured questionnaires from two districts of CKNP
region in Gilgit-Baltistan using a multi-stage sampling technique in the year 2019. The
paper finds that microfinance is playing a key role in enhancing mountain people’s living
standards and reducing mountain poverty in the study area. The findings of the study
suggest for the policymakers and other stakeholders to enhance productive capacities of
the poor mountain inhabitants through technical and vocational education and ensure
financial services delivery by increasing outreach of the microfinance program in order
to achieve the objective of sustainable mountain areas development in future.
Kifayat Ullah, Ifzal Ahmad, Abdul Saboor. (2020) Effects of Microfinance on Mountain Poverty and Living Standards: An Empirical Investigation from Central Karakorum National Park Region of Gilgit Baltistan, , NUML International Journal of Business & Management, Volume 15, Issue 1.
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