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Abstract
The study was conducted to examine the effects of Community Based Organization (CBO) micro-credit program of
Concern Worldwide on the livelihood improvement of beneficiaries in a selected area of Mymensingh district. In the
study, 50 respondents were purposively selected of which 30, 12 and 8 were engaged in small trading, saloon and
rickshaw pulling respectively. Tabular and statistical analyses were applied for achieving the objectives. All of the
factors to measure the socio-economic condition such as awareness, family income, assets, clothing, etc has been
changed. It was also found that the women participation in the household decision making increases. Repayment
performance of CBO micro-credit program was highly satisfactory. Respondent’s income and loan receipt amount
were positively contributed to loan repayment, whereas respondent’s age, education, family size and forced saving
negatively affected the same. Ninety four per cent of the respondents mainly repaid their loan on time with the hope
of getting loan in future. Overall, the CBO micro-credit program was found to have significant positive effects on
livelihood improvement.