301d8351_Review_of_African_Case_Studies__4
[0] Atsbi-wemberta, Tigray Regional State [1] Sonja Vilei and Nick Chisholm February –March 2002 [2] To assess the impact of formal and informal credit on households [3] 65 male headed and 32 female-headed households whose age ranged from 18-65. . The survey covered about respondents’ assets, livelihoods, size and use of credit. [5] The study identified the participants in the study based on household asset s indicator. The study indicates that formal credits were used for the purchase of oxen, cows,, cereal trade , basket making and home-made beer. However, since the study was conducted in about six months, it failed to address the environmental impact of the various activities on the region. [4] 
The results of a survey in 97 households and 5 group discussions showed that the interviewed households perceived that having access to credit had positive impact. It contributed to enhancing the self-esteem of the beneficiaries to be less dependent on food aid.
Do Microcredit Programs Alleviate Poverty and Foster Environmentally Sustainable Development? A Review of African Case Studies
4