Microcredit Program (MCP) has been played an important role in development activities like, productivity, education, health, sanitation, family planning, women empowerment, upgrade living standard of the poor etc in low-income settlements. However, limited attention has been paid to explore the possibilities of utilizing the capacity of microcredit by the urban poor for their own betterment that could be an effective instrument in fighting against poverty. Regarding the intervention inputs, local urban intervention initiated by the government with the help of foreign donor funds are mainly...