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Author :
Publisher : Harsh Goyal
ISBN 13 :
Total Pages : 32 pages
Book Rating : 4./5 ( download)
Download or read book Microfinance in India - Bridging the divide written by and published by Harsh Goyal. This book was released on with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Ranjula Bali Swain
Publisher : Routledge
ISBN 13 : 1136308105
Total Pages : 161 pages
Book Rating : 4.1/5 (363 download)
Download or read book The Microfinance Impact written by Ranjula Bali Swain and published by Routledge. This book was released on 2013-08-15 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial inclusion through microfinance has become a powerful force in improving the living conditions of poor farmers, rural non-farm enterprises and other vulnerable groups. In its unique ability to link the existing extensive network of India’s rural bank branches with the Self Help Groups (SHG), the National Bank of Agriculture and Rural Development (NABARD) has covered up to 97 million poor households by March 2010 under its Self Help Group Bank Linkage Programme. Policy-makers have proclaimed SHGs as ‘‘the most potent initiative ... for delivering financial services to the poor in a sustainable manner." This book presents a comprehensive scientific assessment of the impact of the Self Help Group Bank Linkage Programme (SBLP) on the member households. The book discusses wide-ranging topics, including the rural financial sector in India, the history and structure of the SBLP, the impact methodologies, the economic and social impact of microfinance, its role in building assets while reducing poverty and vulnerability, the role of women and their empowerment, training and accumulation of human capital and policy implications of lessons learned. The empirical results show that vulnerability of the more mature SHG members declines significantly. Vulnerability also falls for villages with better infrastructure and for SHGs that are formed by NGOs and linked by banks. The results strongly demonstrate that on average, there is a significant increase in the empowerment of the female participants. The economic impact of SBLP is found to be the most empowering. Greater autonomy and changes in social attitudes also lead to female empowerment. The investigation further reveals that training (especially business training) has a definite positive impact on assets but not on income. The impact of training can be improved through better infrastructure (as in paved roads), linkage model type, and the training organiser. Bridging the gap in the existing literature and between academics and practitioners, this book moves beyond the usual theoretical issues in the impact assessment literature and draws on new developments in methodology. It will be of interest to academics, development practitioners and students of economics, political science, sociology, public policy and development studies.
Author : Jayadev M.
Publisher : Routledge
ISBN 13 : 1317214943
Total Pages : 203 pages
Book Rating : 4.3/5 (172 download)
Download or read book Changing Contours of Microfinance in India written by Jayadev M. and published by Routledge. This book was released on 2016-05-12 with total page 203 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book brings together empirical evidences and theoretical perspectives to provide a comprehensive overview of the microfinance sector in India. The essays in the volume: focus on the application of information and communication technology (ICT) solutions in microfinance institutions to strengthen the savings movement and widen credit access to the poor and marginalized sections of society; present case studies on self-help group (SHG) movements, federations and SHG-Bank Linkage programmes; propose measures for strengthening regulatory and governance structures of the microfinance sector; and identify linkages between overall financial inclusion and the contribution of microfinance institutions (MFIs). The volume will be indispensable for scholars and researchers of microeconomics, South Asian economics and development economics as well as professionals and aspirants in the microfinance, rural banking and financial inclusion sectors.
Author : N Srinivasan
Publisher : SAGE Publications Pvt. Limited
ISBN 13 : 9788132102984
Total Pages : 0 pages
Book Rating : 4.1/5 (29 download)
Download or read book Microfinance India written by N Srinivasan and published by SAGE Publications Pvt. Limited. This book was released on 2009-11-20 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This series of annual reports on the microfinance sector in India which seeks to document developments, clarify issues, publicize studies, stimulate research, identify policy choices, generate understanding, and enhance support for the sector. It highlights recent developments under each of the two main models of microfinance in India – the SHG and MFI models. The book highlights recent developments in Self Help Groups (SHGs) and SHG Bank Linkage Programme (SBLPs), and focuses on microfinance with regard to the investment scenario in India.
Author : S. M. Feroze
Publisher :
ISBN 13 : 9788177082852
Total Pages : 0 pages
Book Rating : 4.0/5 (828 download)
Download or read book Microfinance in India written by S. M. Feroze and published by . This book was released on 2011 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: In recent years, microfinance in India has emerged as the most suitable and practical alternative to conventional banking in reaching the poor population. Microfinance enables poor people to be thrifty and helps them in availing themselves of the credit and other financial services for improving their income and living standards. The Self-help Group (SHG) Bank Linkage Program was formally launched in 1992 as a flagship program that envisages the organization of the rural poor into SHGs for building their capacities to manage their own finances and then negotiate bank credit on commercial terms. The poor are encouraged to voluntarily come together to save small amounts regularly and extend micro loans among themselves. Once the group attains required maturity in handling larger resources, the bank credit follows. This book explains the concepts associated with microfinance, traces its progress and performance, and examines the role of India's government agencies in its promotion. It also highlights the role of microfinance in the economic empowerment of women and as a tool of financial inclusion.
Author : Srimoyee Datta
Publisher : Springer Nature
ISBN 13 : 9819941415
Total Pages : 215 pages
Book Rating : 4.8/5 (199 download)
Download or read book Financial Inclusion and Livelihood Transformation written by Srimoyee Datta and published by Springer Nature. This book was released on 2023-08-28 with total page 215 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explores the role and effect of Microfinance Institutions (MFIs) with different dimensions. It is being supported with strong empirical evidence into various parameters of MFIs directed towards inclusive finance and the transformation journey of livelihoods of its beneficiaries. It also incorporates empirical evidence with the perception of both beneficiaries and non-beneficiaries. Starting its journey toward the path of comprehending how MFIs make their footprint among the excluded population in the selected areas, it incorporates the different outcomes of MFI lending like credit utilisation patterns, income generation, and employability. As financial stability helps to break out the vicious cycle of poverty, this book emphasises the self-dependent element for the beneficiaries and their households. It addresses the important issue of the female counterparts in society. It shows how the MFIs work actively to generate female empowerment from multiple dimensions among the selected communities. It addresses key issues to consider for inclusive policy formulation, especially for backward communities in the backward areas and gives a realistic scenario of the MFI activities, their interactions with the respondents, the various outcomes, and areas for further developments, etc. This book is beneficial for academicians, researchers, and policymakers.
Author : N. Srinivasan
Publisher : SAGE Publications Pvt. Limited
ISBN 13 : 9788132107057
Total Pages : 0 pages
Book Rating : 4.1/5 (7 download)
Download or read book Microfinance India written by N. Srinivasan and published by SAGE Publications Pvt. Limited. This book was released on 2011-12-28 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance India: State of the Sector Report 2011 presents the growth of the microfinance sector in India in its entirety. It offers in-depth, well-researched and thoroughly analyzed evidence on how the sector has made an impact at various levels of the economy and society. The report collects information from authoritative sources, studies and reports on the sector and field studies on specific developments of interests. It also brings perspectives from key policy makers through exclusive interviews. Highlighting on more topical themes, this year's report begins with an overview of the microfinance sector, which faced significant problems during 2010–11. It then evaluates the performances of the SHG and MFI models and discusses thematic issues such as social performance management and financial inclusion in detail.
Author : K. G. Karmakar
Publisher : Sage Publications Pvt. Limited
ISBN 13 : 9789353881993
Total Pages : 488 pages
Book Rating : 4.8/5 (819 download)
Download or read book Microfinance in India written by K. G. Karmakar and published by Sage Publications Pvt. Limited. This book was released on 2008-02-21 with total page 488 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance in India provides an informative and holistic status of microfinance in the country and suggests a road map for the future. A valuable source of information for policy makers, Finance and Management students, and professionals alike, it is a collection of essays by experts from diverse backgrounds on topical themes that capture the complexities of the continuously evolving microfinance sector in India. It covers major microfinance delivery models in an unbiased manner through well-researched articles.The book provides an overview on microfinance institutions and measures that help promote the same. Among other things, it reflects upon the challenges faced by the dominant credit delivery model, i.e., SHG-Bank Linkage Programme and issues related to the emerging microfinance institutions (MFIs). It also dwells upon innovations in the microfinance sector and the efforts being made to evolve new models such as SHG Federations.
Author : Daniel Lazar
Publisher : New Century Publications
ISBN 13 : 9788177081671
Total Pages : 0 pages
Book Rating : 4.0/5 (816 download)
Download or read book Micro Finance and Poverty Eradication written by Daniel Lazar and published by New Century Publications. This book was released on 2008 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since independence in 1947, the government of India and the Reserve Bank of India (RBI) have made concerted efforts to provide the poor with access to credit. Despite the phenomenal increase in the physical outreach of formal credit institutions in the past several decades, India's rural poor continue to depend on informal sources of credit. Institutions have also faced difficulties in dealing effectively with a large number of small borrowers whose credit needs are small and frequent and their ability to offer collaterals is limited. Cumbersome procedures and risk perceptions of the banks have left a gap in serving the credit needs of the rural poor. This has led to a search for alternative policies, systems and procedures, saving and loan products, other complementary services, and new delivery mechanisms that would fulfill the requirements of the poor. It is in this context that micro credit has emerged as the most suitable and practical alternative to conventional banking in reaching the hitherto unreached poor population. Micro finance is the provision of a broad range of financial services - such as deposits, loans, payments, money transfers, and insurance - to the low-income households and their micro enterprises. The basic purpose of micro finance is to provide access to financial assistance, including credit to the poor, enabling them to start/expand micro enterprises and break out of poverty. Micro credit helps the poor in making available the credit and other financial services for improving their income and living standards. The micro credit program - which was formally heralded in 1992 with a modest pilot project of linking around 500 Self-help Groups - has made rapid strides in India, exhibiting considerable democratic functioning and group dynamism. The micro credit program in India is now the largest in the world. This book contains 45 scholarly papers in the field of micro finance in India, categorized in five parts: Micro Finance: General Observations . Micro Finance, Self-help Groups, and Financial Inclusion . Micro Finance, Poverty Alleviation, and Empowerment of Women . Technical Aspects of Micro Finance . Micro Finance: Case Studies in India and Abroad.
Author : Asli Demirguc-Kunt
Publisher : World Bank Publications
ISBN 13 : 1464812683
Total Pages : 228 pages
Book Rating : 4.4/5 (648 download)
Download or read book The Global Findex Database 2017 written by Asli Demirguc-Kunt and published by World Bank Publications. This book was released on 2018-04-19 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
Author : Joanna Ledgerwood
Publisher : World Bank Publications
ISBN 13 : 0821384317
Total Pages : 304 pages
Book Rating : 4.8/5 (213 download)
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.
Author : N Srinivasan
Publisher : SAGE Publications Ltd
ISBN 13 : 8178299461
Total Pages : 177 pages
Book Rating : 4.1/5 (782 download)
Download or read book Microfinance India written by N Srinivasan and published by SAGE Publications Ltd. This book was released on 2009-01-06 with total page 177 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance India is a part of a series of annual reports on the microfinance sector in India which seeks to document developments, clarify issues, publicize studies, stimulate research, identify policy choices, generate understanding and enhance support for the sector. It is a comprehensive one-stop document that provides the latest data and a holistic view of the sector, combines analysis and description and integrates a variety of topics previously treated separately. The book highlights recent developments in Self Help Groups (SHGs) and SHG Bank Linkage Programs (SBLPs), and focuses on microfinance with regard to the investment scenario in India. It also deals with the burgeoning field of urban microfinance, developments in micro-insurance, and the impact of new technologies on the microfinance sector. Additionally, it recognizes the high demands which the state makes on microfinance institutions and discusses the need and relevance of new policy regulations. Complementing these analyses, statistical annexes provide essential data on the sector, strengthening its utility as a reference document. It contains extensive original material, and yet draws widely on the findings of other recent studies and reports, thereby emerging as a complete, detailed analysis of the status and the future of the microfinance sector in India.
Author : Stephanie Charitonenko
Publisher :
ISBN 13 :
Total Pages : 104 pages
Book Rating : 4.:/5 (318 download)
Download or read book Commercialization of Microfinance written by Stephanie Charitonenko and published by . This book was released on 2004 with total page 104 pages. Available in PDF, EPUB and Kindle. Book excerpt: The gap between the potential demand for, and the actual supply of, microfinance services remains large. Bridging this gap remains a major challenge. Microfinance reduces financial exclusion and can have a significant impact on poverty reduction. Commercialization of microfinance is a possible solution for expansion of microfinance.
Author : Girija Srinivasan
Publisher : Oxford University Press, USA
ISBN 13 : 9780199458288
Total Pages : 176 pages
Book Rating : 4.4/5 (582 download)
Download or read book Microfinance India written by Girija Srinivasan and published by Oxford University Press, USA. This book was released on 2014-12-25 with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt: Sponsors & Partners: Standard Chartered [and seven others].
Author : Nadiya Marakkath
Publisher :
ISBN 13 : 9788132216308
Total Pages : 184 pages
Book Rating : 4.2/5 (163 download)
Download or read book Sustainability of Indian Microfinance Institutions written by Nadiya Marakkath and published by . This book was released on 2013-11-30 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Roy Prasenjit
Publisher :
ISBN 13 : 9781383729801
Total Pages : 0 pages
Book Rating : 4.7/5 (298 download)
Download or read book Mission Drift in Indian Micro Finance Institutions an Empirical Study written by Roy Prasenjit and published by . This book was released on 2023-01-12 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Introduction Microfinance has emerged as a tool for creating a financially inclusive society. Ever since the formal banking system showed limited concern towards reaching the poor on the premise that they were non-bankable. Initially, microfinance institutions (MFIs) started within the domain of non-governmental organizations (NGOs). With the passage of time, they expanded to more professional setups which brought competition and refinement in their operations. After substantial growth in the form of outreach their sustainability came to the forefront where along with social performance, financial performance was given equal importance. This led to the emergence of a double bottom line. However, an imbalance between the two, with more focus on financial performance led to the mission drift in the MFIs. The microfinance movement began decades ago which brought about a considerable change to the economic scenario of the poor. MFIs have been highly regarded for helping the poor. Poverty is a multifarious dilemma that causes impoverishment. It has various complexities that need to be eliminated from the root for all-around development. Ever since the dawn of civilization, various social and economic inequalities have occurred and contributed to making an unequal and poverty-driven society. The conventional forms of credit bridge the gap between the lenders and the borrowers which revolutionized trade and commerce
Author : Sanjay Kanti Das
Publisher :
ISBN 13 : 9788177082630
Total Pages : 0 pages
Book Rating : 4.0/5 (826 download)
Download or read book Micro Finance and India's Rural Economy written by Sanjay Kanti Das and published by . This book was released on 2011 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: After achieving independence in 1947, the government of India and the Reserve Bank of India have made concerted efforts to provide the poor with access to credit. Despite the phenomenal increase in the physical outreach of formal credit institutions in the past several decades, India's rural poor continue to depend on informal sources of credit. Institutions have also faced difficulties in dealing effectively with a large number of small borrowers, whose credit needs are small and frequent, and their ability to offer collaterals is limited. Cumbersome procedures and risk perceptions of the banks leave a gap in serving the credit needs of the rural poor. It is in this context that micro credit has emerged as the most suitable and practical alternative to the conventional banking in reaching India's hitherto unreached poor population. Micro credit enables poor people to be thrifty, and it helps them in availing the credit and other financial services for improving their income and living standards. India's Self-Help Group (SHG)-Bank Linkage Program was formally launched in 1992. The Program envisages the organization of the rural poor into SHGs for building their capacities to manage their own finances and then negotiate bank credit on commercial terms. This book contains well-researched papers which provide analytical information on various aspects of the micro finance and its impact on rural economy of India.
