Sarcouncil Journal of Public Administration and Management

Abstract: The study was carried out during the year 2022-23 to study sociological and policy issues in the microfinancing sector in the district of Sukkur using 200 respondents. The present study showed that the 62.0% of the total population or sample falls under the category of male. The percentage represents the proportion of males relative to the entire dataset. This indicates that 38.0% of the population or sample is female. The percentage represents the proportion of females relative to the entire dataset. 38.0% of the total population or sample is classified as "Illiterate." These individuals have not acquired basic literacy skills. This signifies that 21.0% of the population has completed primary education, which typically includes the early years of schooling. This category represents individuals who have completed matriculation or an equivalent level of education, typically covering secondary education. Majority 71.0% signifies individuals whose main occupation falls outside of agriculture. This could include various professions and industries such as manufacturing, services, or other non-agricultural sectors. Only 7.0% represents individuals whose primary occupation is in agriculture. These individuals are likely involved in farming or related agricultural activities. 51.0% represents advance-loan tenures of 1 year. Individuals or entities availing these loans are expected to repay the borrowed amount within 1 year. Only 20.0% include 5-year advance-loan tenures. Borrowers in this group are expected to repay the borrowed amount over a five-year period. Majority 74.0% category represents loans extended to individuals. The percentage indicates that a significant majority of the loans within the dataset are individual loans, tailored to the needs of individual borrowers. However, 26.0% category signifies loans extended to groups of individuals. The majority of 60.0% category represents advance loans that have been successfully repaid and closed. The percentage indicates that the majority of loans in the dataset are in this closed status. However, 40.0% refers to advance loans that have undergone rescheduling, indicating a change in the original repayment terms. The percentage suggests that a notable portion of loans has been rescheduled.