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Micro Finance A Tool To Improve Living Standard
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Book Synopsis Micro Finance - A Tool to Improve Living Standard by : Mitesh Patel
Download or read book Micro Finance - A Tool to Improve Living Standard written by Mitesh Patel and published by . This book was released on 2016 with total page 1 pages. Available in PDF, EPUB and Kindle. Book excerpt: Micro finance is defined as to provide small scale financial services - both credit and savings to the economically disadvantaged people in rural, semi-urban and urban areas. Study was done to find the impact of microfinance on living standard of urban poor women & its societal consequences with specific focus on women self help group members in Ahmedabad City. Various analytical tools such as Descriptive statistics, factor Analysis, Reliability Analysis, ANOVAs, chi-Square & Pair T-Test were applied. Through microfinance or SHG women's social status, self confidence, decision making in household and savings are increased. They feel themselves fearless and can move out of the house and also taking care of their family. Through Microfinance Living Standard of People is improved.
Book Synopsis The Microfinance Revolution by : Marguerite Robinson
Download or read book The Microfinance Revolution written by Marguerite Robinson and published by World Bank Publications. This book was released on 2001-06-01 with total page 358 pages. Available in PDF, EPUB and Kindle. Book excerpt: Around the world, a revolution is occurring in finance for low-income people. The microfinance revolution is delivering financial services to the economically active poor on a large scale through competing, financially self-sufficient institutions. In a few countries this has already happened; in others it is under way. The emerging microfinance industry has profound implications for social and economic development. For the first time in history, capital is well on its way to being democratized. 'The Microfinance Revolution', in three volumes, is aimed at a diverse readership - economists, bankers, policymakers, donors, and social scientists; microfinance practitioners and specialists in local finance and rural and urban development; and members of the general public interested in development. This first volume, 'Sustainable Finance for the Poor', focuses on the shift from government- and donor-subsidized credit systems to self-sufficient microfinance institutions providing voluntary savings and credit services.
Book Synopsis Micro-Finance Research Structure Studies by : Devaraja Badugu
Download or read book Micro-Finance Research Structure Studies written by Devaraja Badugu and published by . This book was released on 2018 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is no standard definition of a micro finance institution (MFI). An MFI generally provides relatively small loans (in the Indian context, loans of less than Rs. 50,000) to low Income individuals. The loans could be for income generation or for consumption. Fungibility of money makes it difficult to distinguish between the two. “Microfinance emerged as a noble substitute for informal credit and an effective and powerful instrument for poverty reduction among people who are economically active, but financially constrained and vulnerable in various countries”. It covers a broad range of financial services including loans, deposits and payment services and insurance to the poor and low income households and their micro enterprises. Convincing research evidences have shown significant role of MFIs in improving the lives of the deprived communities in various countries. Persuaded with the potential role of micro financing in alleviating poverty, the South Asian countries especially India & Bangladesh have been actively pursuing the policy of setting up formal network of microfinance institutions. These institutions include NGOs/NBFCs and government sponsored. Microfinance is being practiced as a tool to attack poverty the world over. The term “Microfinance” can be defined as “provision of thrift, credit and other financial services and products of very small amounts to the poor in rural, semi urban or urban areas, for enabling them to raise their income levels and improve living standards”. Microfinance Institutions (MFIs) are those, “which provide thrift; credit and other financial services and products of very small amounts mainly to the poor in rural, semi-urban or urban areas for enabling them to rise their. Microfinance institutions (MFIs) typically offer a variety of loan products and, increasingly, savings services as well.
Download or read book Microfinance 3.0 written by Doris Köhn and published by Springer. This book was released on 2013-12-02 with total page 207 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book focuses on the achievements, current trends and further potential of microfinance to scale-up and serve many more clients with financial services that enable them to improve their living conditions. The book asks what it takes to achieve sustainable impact: to know your clients and to understand their needs, to treat them in a fair and transparent way, and to safeguard the synthesis between the financial and social dimension of sustainable microfinance. The book also sheds light on the future funding landscape and what is necessary to bring more commercial funders on board while ensuring that these new funders will continue the commitment to responsible finance. While being forward looking, the book reflects the debate on core values of microfinance, triggered by recent criticisms of an approach that was hailed as a panacea in the beginning and which had proved over time as one of the most effective models of development finance. These criticisms emerged over signs of overheating in some markets, particularly the 2010 events in Andhra Pradesh, and turned into an assumption of a worldwide microfinance crisis, putting seriously at stake the good reputation microfinance had enjoyed so far.
Download or read book Due Diligence written by David Roodman and published by CGD Books. This book was released on 2012 with total page 388 pages. Available in PDF, EPUB and Kindle. Book excerpt: The idea that small loans can help poor families build businesses and exit poverty has blossomed into a global movement. The concept has captured the public imagination, drawn in billions of dollars, reached millions of customers, and garnered a Nobel Prize. Radical in its suggestion that the poor are creditworthy and conservative in its insistence on individual accountability, the idea has expanded beyond credit into savings, insurance, and money transfers, earning the name microfinance. But is it the boon so many think it is? Readers of David Roodman's openbook blog will immediately recognize his thorough, straightforward, and trenchant analysis. Due Diligence, written entirely in public with input from readers, probes the truth about microfinance to guide governments, foundations, investors, and private citizens who support financial services for poor people. In particular, it explains the need to deemphasize microcredit in favor of other financial services for the poor.
Book Synopsis Making Microfinance Work by : Craig Churchill
Download or read book Making Microfinance Work written by Craig Churchill and published by International Labour Organisation. This book was released on 2012-01 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance has long been recognized as having significant potential to create jobs and reduce poverty. But to meet the twin challenges of growth and sustainability, managers of microfinance institutions (MFIs) must not only understand essential management functions: they must also be armed with innovative ideas and strategies to succeed in today's increasingly competitive environment. This book provides a valuable overview of the key management principles necessary to optimize the services of MFIs.Volume 1 examines the markets and marketing of MFIs and captures the different ways that managers can communicate the value of their products and services. It offers strategies to prevent risk from occurring and, if it does occur, explains how to rectify the situation. Practical techniques for allocating costs and determining prices are also highlighted, as well as the importance of plans, budgets and reports. Volume 2 includes chapters on various product options, including savings, insurance, leasing, money transfers, and even grants and nonfinancial services. It also explores how to combine different product menus to serve specific market segments, such as the ultra-poor, youth, women, and small and medium enterprises. It provides specific suggestions to manage diversification, including adapting the institutional culture, redistributing responsibilities, empowering staff, communicating with clients, reengineering systems, and managing change.
Book Synopsis Microfinance by : Siddharth Shankar Kanungo
Download or read book Microfinance written by Siddharth Shankar Kanungo and published by . This book was released on 2016 with total page 10 pages. Available in PDF, EPUB and Kindle. Book excerpt: Finance being the life blood of any commercial activity, availability of sufficient pecuniary resources at rational terms is constitutive to secure prompt economic development. It is a widely accepted fact that microfinance maneuvers an evidential function in financing commercial activities ventured by people dwelling under the poverty line. Microfinance is a financial service of small measure rendered to entrepreneurs, particularly women micro entrepreneurs, from low income households. These financial services may include saving, credit, insurance, money transfer etc. In India, various microfinance related programmes are carried through group structures popularly recognised as Self Help Groups which are small and informal associations of poor people having preferably similar socio-economic background and who have come together to realise some common goals based on the principles of self-help and collective responsibility. The present paper is a modest attempt to examine the impact of microfinance on human development with the objective of appraising its impact on employment, income, health and education apart from investigating the problems associated with the implementation of microfinance related schemes and suggesting maoeuvres to overcome them. Primary data pertaining to economic activities, amount of loan, man-days created, income, utilisation of income on education and health et cetera were pulled together through structured schedules from the members of Self Help Groups selected on the basis of a simple random sampling method. Simple statistical tools have been utilised for comparative analysis and interpretation of the outcomes. It was found that microfinance has not only increased the saving habit of the poor but also helped in reducing the intensity of poverty. It has been helpful in removing illiteracy and making people health conscious. The linkage programmes between Self Help Groups and banks have extended wider opportunities for closer interaction between banks and group members. As a result, the poor masses have been able to earn their living, generate self-employment and uphold their living standards. In other words, microfinance has contributed immensely towards human development and revitalised the grassroot economy of agrarian India.
Book Synopsis Role of Microcredit in Poverty Alleviation by : Imad A. Hamze
Download or read book Role of Microcredit in Poverty Alleviation written by Imad A. Hamze and published by DIANE Publishing. This book was released on 2008-03 with total page 129 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance has become an increasingly popular option in many developing countries & is an effective tool for improving the living standards of the poor. Several local non-governmental org., international finance institutions, donor countries, banks & others have shown an interest in developing microenterprises through such loans. Here is detailed info. on the microfinance sector in Lebanon & may be of use to researchers, non-governmental & governmental org., donors, policy makers, & prospective borrowers. Includes a description of the microlending market & its major players in Lebanon, an analysis of the strengths & weaknesses of these players, & info. on the microenterprises that constitute the potential target of lending institutions.
Book Synopsis Now Build and Run a Profitable Microlending Business by : Norman Naaman Ambunya
Download or read book Now Build and Run a Profitable Microlending Business written by Norman Naaman Ambunya and published by Independently Published. This book was released on 2023-01-12 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Sustainable Microfinance book reflects the current opportunities existing in the market for those who would like to make a contribution to societal economic development while at the same time ensuring an attractive economic return to themselves. It recognizes the gap in knowledge that exists on what it entails to operate a profitable and responsible microfinance business in addition to defining its objectives. With a better understanding of what it is, what it does, how it is done together with how innovations in financial products can be leveraged, it is my belief that a lot more people with the will, desire and means will venture into microfinance and see financial exclusion eradicated and contribute to the nation good of improved living standards, freedom from servitude and broader participation in the governance of national resources. We have the Capital (either intellectual including learned skills or money) to raise people from poverty. Why this Book? The role of MFIs in uplifting the economic communities has been underscored in the financial literature. It is now a given that MFIs are expected to continue playing this role of availing responsible finance to the financially excluded groups. For MFIs to play this role sustainably as going concerns, they need to demonstrate ability to continually generate revenues exceeding their costs. This sustainable profitability trend ensures that an MFI is able to attract the requisite additional funding for onward lending to the targeted groups. This book considers the clients and their needs whether they know them or are ignorant of them and how the suppliers of micro-financial services can meet these needs. The result, hopeful, is a how to book rather than a description of what! The book will therefore answer the following questions: What is the purpose of microfinance? What are the demographic considerations involved in microfinance product innovation and offering? What ensures MFI Sustainability (financial and operational)?
Book Synopsis The Future of Microfinance by : Ira W. Lieberman
Download or read book The Future of Microfinance written by Ira W. Lieberman and published by Brookings Institution Press. This book was released on 2020-06-30 with total page 493 pages. Available in PDF, EPUB and Kindle. Book excerpt: A major source of financing for the poor and no longer a niche industry Over the past four decades, microfinance—the provision of loans, savings, and insurance to small businesses and entrepreneurs shut out of traditional capital markets—has grown from a niche service in Bangladesh and a few other countries to a significant global source of financing. Some 200 million people globally now receive support from microfinance institutions, with most of the recipients in the developing world. In the beginning, much of the microfinance industry was managed by non-governmental organizations, but today the majority of these institutions are commercial and regulated by governments, and they provide safe places for the poor to save, as well as offering much-needed capital and other financial services. Now out of infancy, the microfinance industry faces major challenges, including its ability to deal with mobile banking and other technology and concerns that some markets are now over-saturated with microfinance. How the industry deals with these and other challenges will determine whether it will continue to grow or will be subsumed within the larger global financial sector. This book is based on the results of a workshop at Lehigh University among thirty-four leaders in the industry. The editors, working with contributions from more than a dozen leading authorities in the field, tell the important story of how microfinance developed, how it has met the needs of hundreds of millions of people, and they address key questions about how it can continue to meet those needs in the future.
Book Synopsis Microfinance Handbook by : Joanna Ledgerwood
Download or read book Microfinance Handbook written by Joanna Ledgerwood and published by World Bank Publications. This book was released on 1998-12-01 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: The purpose of the 'Microfinance Handbook' is to bring together in a single source guiding principles and tools that will promote sustainable microfinance and create viable institutions.
Book Synopsis Microfinance: Interventions in Challenging Contexts by : Ana Paula Matias Gama
Download or read book Microfinance: Interventions in Challenging Contexts written by Ana Paula Matias Gama and published by Springer. This book was released on 2024-10-10 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book aims to bring new insights into the effectiveness of microfinance as a tool for boosting entrepreneurial activities that in turn enhance the capabilities of individuals living in extreme poverty across several dimensions of human development, especially in the current challenging times for both individuals and the microfinance industry. Theoretical contributions explore the interplay between classical microfinance models and entrepreneurial ecosystems as well as innovative microfinance models, such as the pass-through microlending model in the crowdfunding context. Empirical contributions shed light to the interplay between microfinance and poverty, economic development, well-being and women’s empowerment. The book also considers responses to emerging challenges, such as the COVID-19 pandemic, and promoting Sustainable Development Goals (SDG) in the microfinance market, specifically focusing on eliminating extreme poverty (SDG1), promoting shared economic growth (SDG8), and reducing the inequalities among countries (SDG10) to ensure all people achieve prosperity.
Book Synopsis Advanced Technologies for Microfinance: Solutions and Challenges by : Ashta, Arvind
Download or read book Advanced Technologies for Microfinance: Solutions and Challenges written by Ashta, Arvind and published by IGI Global. This book was released on 2010-08-31 with total page 398 pages. Available in PDF, EPUB and Kindle. Book excerpt: Advanced Technologies for Microfinance: Solutions and Challenges is the first book to systematically address technology's impact on microfinance. It discusses a wide variety of technology applications that will define the next generation of the microfinance movement and it addresses the tough questions surrounding technology in microfinance. For instance, what are the disadvantages of technology-enabled microfinance and what will it mean for the inclusiveness and empowerment of the service? This dynamic collection is a must-have for anyone interested in microfinance, whether you are a donor, lender, or investor.
Download or read book Microfinance written by Mohd Asif and published by . This book was released on 2015 with total page 10 pages. Available in PDF, EPUB and Kindle. Book excerpt: Alleviation of poverty, the core of all development efforts has remained a very complex and critical concern among developing countries. Poverty is deep rooted covering several interlocked aspect such as assetlessness, under-employment, uncertain and relatively unproductive employment and low remuneration, lack of bargaining power, economic vulnerability, literacy and proneness to disease, social disadvantage and political powerlessness. To fully exploit India's potential and improve living standard for all parts of society, mass mobilization of downtrodden population into productive and sustainable jobs, mostly through self employment and entrepreneurship, is required. Microfinance is fast emerging the world over as an effective tool for poverty alleviation, equitable and inclusive growth, and women empowerment in the developing world. There has been impressive growth in microfinance activities over the three decades or more in India.Today, when the majority of world's population is living below subsistence level, more than 3,000 organizations are providing microfinance services to the millions of the world's poor. Providing employment opportunities to rural women and developing the living status of the rural folk by providing credit with less interest is the major concern of the microfinance. Microfinance use innovative contractual practices and organizational forms to reduce the risk and cost of making loans, such as lending to groups rather than just to one person. Some microcredit organization give their clients more than loan, offering education, training, health care and other social services. In spite of the impressive figures, microfinance in India is still presently too small to create a massive impact on poverty alleviation, but if perused with skill, it holds the promise to alter the socio economic face of India's poor.
Book Synopsis Microfinance in Africa by : S. Rajagopalan
Download or read book Microfinance in Africa written by S. Rajagopalan and published by . This book was released on 2009 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: Africa is home to some of the poorest and vulnerable populations in the world. The ten poorest countries in the world are in Africa. Sub-Saharan Africa is the region with the highest incidence and greatest depth of poverty in the world. Fewer than one in five adults in Africa has access to the services of a formal or semi-formal financial institution. Microfinance in Africa is growing, though. A broad range of diverse institutions offer financial services to the poor and low-income clients in Africa. These include non-governmental organizations, non-banking financial institutions, cooperatives, credit unions, rural banks, Rotating Savings and Credit Associations (ROSCAs), postal financial institutions and an increasing number of commercial banks. Increasingly, technology is being used to expand microfinance outreach mobile phone banking is one such example. This book provides an overview of the microfinance sector in Africa, reviews the performance and impact of microfinance institutions in the region, and outlines some of the opportunities and challenges that African microfinance has on hand.
Book Synopsis Microfinance and Women Empowerment: A Study with Special Reference to Ramapuram Grama Panchayat by : Laly Antoney
Download or read book Microfinance and Women Empowerment: A Study with Special Reference to Ramapuram Grama Panchayat written by Laly Antoney and published by Amazon Publishers, USA. This book was released on with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinancing expanded rapidly in India over the past two decades. India has witnessed innovations in financial options for Micro Finance Institutions (MFI), the addition of new products and services, such as insurance and pension schemes, and the entry of Internet kiosks to rural villages. It has been a recognised fact that microcredit is the most effective instrument of dealing with two crucial social issues, ie, poverty alleviation and women empowerment. The experience of microfinance concept is underlined the fact that it is an apt tool to empower the rural women economically, psychologically and socially. It is hoped to enhance the scope of empowerment of women, which has already found its way in the academic discourse on social welfare schemes and effective rural credit delivery mechanism. This will definitely pave the way for distinctively evolving a solution for Indian way of financing and women capability improvement in terms of the vision of Indian born Nobel laureate for Economics, Dr. Amartya Sen. This will also help us in evolving a societal friendly way of financing in developing the economy by improving the quality of life, living standards, to alleviate poverty, inequality, other developmental and gender issues. It will stimulate the women's imagination about a better world with less injustice and inequalities. Every social experiment or endeavor has inherent in it the potential for both success and failure. But if the experiment is in the right direction, the, failure becomes a stepping-stone to success. The pioneer in this experiment with the micro finance and women empowerment can take the first step or one step at a time, and this becomes the foundation of the ultimate success.
Book Synopsis Evaluation of Microfinance Institutions in Varanasi with Special Reference to Client Education by : Vinita Kalra
Download or read book Evaluation of Microfinance Institutions in Varanasi with Special Reference to Client Education written by Vinita Kalra and published by Cambridge Scholars Publishing. This book was released on 2018-12-21 with total page 243 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the last two decades, microfinance has gained growing recognition as an effective tool for improving the quality of life and the living standard of poor and low-income people. Microfinance’s popularity reached a peak when the United Nations declared 2005 the ‘International Year of Microcredit’ and when, one year later, the author of ‘Banker to the Poor’, Muhammad Yunus, was awarded the Nobel Peace Prize. This recognition has given rise to a movement that was supposed to accomplish social and financial goals simultaneously and without any friction. However, microfinance as an industry was shaken for the first time in 2008, as a consequence of the international financial crisis, and it again suffered problems more recently. It was reported that the populist moves by politicians led to a mass default of loans, of worth more than US$1.5 billion in the southern Indian state of Andhra Pradesh, the biggest market for the microfinance institutions in India. Measures taken to ensure that the 2008 crisis and its consequences are not repeated include bringing clients’ protection principles to work and building client awareness in order to make informed decisions. This book focuses on the efficacy of ‘financial education’ as a tool towards attaining client protection. It also utilizes the Microfinance Clients Awareness Index to evaluate the factors that impact the level of financial awareness for microfinance clients.
