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Author :
Publisher : World Bank Publications
ISBN 13 :
Total Pages : 34 pages
Book Rating : 4./5 ( download)
Download or read book Scaling-up microfinance for India's rural poor written by and published by World Bank Publications. This book was released on with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Priya Basu
Publisher :
ISBN 13 :
Total Pages : 44 pages
Book Rating : 4.:/5 (318 download)
Download or read book Scaling-up Microfinance for India's Rural Poor written by Priya Basu and published by . This book was released on 2005 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: The paper recommends that, if SHG Bank Linkage is to be scaled-up to offer mass access to finance for the rural poor, then more attention will need to be paid toward the promotion of high quality SHGs that are sustainable, clear targeting of clients, and ensuring that banks linked to SHGs price loans at cost-covering levels. At the same time, the paper argues that, in an economy as vast and varied as India's, there is scope for diverse microfinance approaches to coexist. Private sector microfinanciers need to acquire greater professionalism, and the government can help by creating a flexible architecture for microfinance innovations, including through a more enabling policy, legal, and regulatory framework. Finally, the paper argues that, while microfinance can, at minimum, serve as a quick way to deliver finance to reform these institutions with an eye to improving access for the poor."
Author : Weltbank
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (931 download)
Download or read book Scaling-up Access to Finance for India's Rural Poor written by Weltbank and published by . This book was released on 2013 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Since the early national plans, successive governments in independent India have emphasized the link between improving access to finance, and reducing poverty - a stance that has had influence globally. The need to improve financial access for India's poor, the overwhelming majority of whom are concentrated in rural areas, motivated the nationalization of commercial banks in the late 1960s, and an aggressive drive through the 1970s and 1980s, to expand rural banking, coupled with policies mandating banks to provide subsidized credit to rural households. The 1990s saw the partial deregulation of interest rates, a gradual reduction in the Government's stake in commercial banks, and increased competition in the banking sector. Access to finance for the rural poor has improved somewhat over the past decades, with the public sector commercial banks being the dominant players in the formal rural finance market. Yet, the vast majority of India's rural poor, still do not have access t o formal finance. The report examines the reasons, and factors affecting both banks, and their clients. First is the problem of uncertainty - about the repayment capacity of poor rural borrowers, and their irregular/volatile income streams and expenditure patterns - which, in the absence of credit information, drive up default risk. Second, the transactions costs of rural lending in India are high, mainly due to small loan sizes, high frequency of transactions, large geographical spread, and heterogeneity of borrowers, and widespread illiteracy. Third, the Government policies have made things worse from the banks' perspective, creating a "financial climate" not conducive to lending in general, and rural banking in particular. New approaches and products to improve rural access to finance in India are reviewed, namely, the 'Self-help Groups (SHGs) Bank Linkage' model, the growth of which - from just 500 SHGs linked to banks in the early 1990s, to over 700,000 in 2003 - has been truly remarkable; specialized microfinance institutions; and, partnerships between private Banks,, micro-financiers, and service providers, including the Kisan Credit Card. Furthermore, a potential means of reducing default risk in rural finance, that has recently caught the attention of the Government, is the establishment of a "warehouse receipts system' to cover the agricultural risk management of products for farmers. The policy agenda to improve access to finance by the rural poor looks at introducing flex...
Download or read book Scaling-up Access to Finance for India's Rural Poor written by and published by . This book was released on 2004 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Priya Basu
Publisher : World Bank Publications
ISBN 13 : 0821361473
Total Pages : 152 pages
Book Rating : 4.8/5 (213 download)
Download or read book Improving Access to Finance for India's Rural Poor written by Priya Basu and published by World Bank Publications. This book was released on 2006-01-01 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annotation This book examines the current level and pattern of access to finance for India's rural households, evaluates various approaches for delivering financial services, analyzes what lies behind the lack of adequate financial access, and identifies what it would take to improve access to finance.
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.
Author : Sudhansu Kumar Das
Publisher :
ISBN 13 : 9788177083040
Total Pages : 0 pages
Book Rating : 4.0/5 (83 download)
Download or read book Micro Finance and Empowerment of Rural Poor in India written by Sudhansu Kumar Das and published by . This book was released on 2012 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: In India, micro finance has emerged as a visible credit channel to the poor, whose access to conventional credit sources is constrained by the requirement of collateral and high transaction costs. Micro finance is routed through self-help groups (SHGs). Over the years, the SHG-bank linkage program has emerged as the major micro finance program. The focus of the SHG-bank linkage program is largely on those rural poor who have no sustainable access to the formal banking system. The target groups, therefore, broadly comprise small and marginal farmers, agricultural and non-agricultural laborers, artisans and craftsmen, and other poor engaged in small businesses-like vending and hawking. For India's rural poor, the program has been providing access to the formal banking system and has achieved several milestones in terms of gender sensitization, empowerment, and poverty alleviation. This book contains research papers which provide deep insights into the role and functioning of micro finance institutions as strategic partners in the empowerment of rural poor 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 : Amit K. Bhandari
Publisher : Springer
ISBN 13 : 9788132212836
Total Pages : 0 pages
Book Rating : 4.2/5 (128 download)
Download or read book Microfinance, Risk-taking Behaviour and Rural Livelihood written by Amit K. Bhandari and published by Springer. This book was released on 2013-08-27 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book offers an in-depth analysis of borrowing and risk taking behavior of rural people, with the aim of designing effective financial products and service delivery in the rural market. Includes analysis of government schemes to promote rural development.
Author : Consultative Group to Assist the Poor (CGAP).
Publisher :
ISBN 13 :
Total Pages : 156 pages
Book Rating : 4.:/5 (111 download)
Download or read book Scaling Up Poverty Reduction written by Consultative Group to Assist the Poor (CGAP). and published by . This book was released on 2004 with total page 156 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : M. S. Sriram
Publisher : SAGE Publications Pvt. Limited
ISBN 13 : 9789386062192
Total Pages : 0 pages
Book Rating : 4.0/5 (621 download)
Download or read book Inclusive Finance India Report 2016 written by M. S. Sriram and published by SAGE Publications Pvt. Limited. This book was released on 2017-02-28 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Inclusive Finance India Report 2016 provides in-depth, well-researched, and well-analyzed evidence on how the financial inclusion agenda has progressed at various levels. The report covers a review of the performance of diverse institutional initiatives working in inclusive finance—banks, specialized banks, self-help groups, and microfinance institutions. It also covers the initiatives in technology that address last-mile delivery as well as provides an overview of new initiatives. The report focuses on a larger landscape of financial inclusion while continuing to report progress on microfinance in mainstream financial inclusion activity. It tracks the growth of financial inclusion across institutional structures and delivery models, provides a better understanding of the complexities of the sector, and contributes and informs the policy development process on inclusive finance. It also informs banks and investors, both national and international; highlights key issues that require the attention of the financial sector and policymakers; highlights the positive impact of the sector; and identifies policy and practice gaps on an annual basis. The report involves participation by the RBI, Ministry of Finance, banks, apex financial institutions, technology service providers, business correspondents, and diverse delivery models. This is the best reference book on the annual trends and progress of the financial inclusion and microfinance sector. It includes data-based analysis of all streams of financial inclusion with the most current information in terms of numbers and developments and is a must read for every practitioner in the financial inclusion value chain.
Author : Medha Dubhashi
Publisher : Allied Publishers
ISBN 13 : 9390951321
Total Pages : 204 pages
Book Rating : 4.3/5 (99 download)
Download or read book Handbook on Microfinance and Innovative Case Studies written by Medha Dubhashi and published by Allied Publishers. This book was released on 2022-02-16 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: It is a long standing notion of the banking sector that the “poor are not credit worthy and hence not bankable” on the other hand, the self-help group bank linkage program is the largest microfinance program in the world. The Grameen bank has illustrated the way to lend to the poor. It has shown that lending to the SHGs is a viable proposition. The book is an easy to read handbook useful for students, academicians and practitioners. It has illustration of innovative cases which adds to the pedagogy of case study in teaching.
Author : S. Nazim Ali
Publisher : Routledge
ISBN 13 : 1136671307
Total Pages : 309 pages
Book Rating : 4.1/5 (366 download)
Download or read book Shari'a Compliant Microfinance written by S. Nazim Ali and published by Routledge. This book was released on 2013-03-01 with total page 309 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the recent past, Islamic finance has made an impressive case on the banking scene by becoming an alternative to the popular conventional financial systems, spurring a lively academic debate on how the Islamic finance industry can expand its services to cover the poor. Several propositions have been aired which suggest that the Islamic finance industry should consider developing an efficient Shari‘a compliant microfinance model. This book brings together original contributions from leading authorities on the subject of Shari‘a Compliant Microfinance (Islamic Microfinance) to propose innovative solutions and models by carefully studying experiments conducted in various countries. Where critiques of the current microfinance concepts, methods, regulatory measures and practices have often revolved around its practice of charging very high interest, this book discusses the several models that draw on both theory and case studies to provide a sustainable Shari‘a compliant alternative. Arguing that while Islamic finance might have made a remarkable contribution in the financial markets, there remains a big question with regards to its social relevance, the book provides new perspectives and innovative solutions to issues facing the Islamic microfinance industry. A comprehensive reference book for anyone wanting to learn more about Shari‘a Compliant Microfinance, this book will also be of use to students and scholars of microfinance, Islamic finance, and to anyone interested in learning about ethical and socially responsible businesses.
Author :
Publisher : Allied Publishers
ISBN 13 : 9788177647624
Total Pages : 512 pages
Book Rating : 4.6/5 (476 download)
Download or read book India Insurance Report written by and published by Allied Publishers. This book was released on 2005 with total page 512 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Alhassan, Yahaya
Publisher : IGI Global
ISBN 13 : 1668456494
Total Pages : 288 pages
Book Rating : 4.6/5 (684 download)
Download or read book Transforming Economies Through Microfinance in Developing Nations written by Alhassan, Yahaya and published by IGI Global. This book was released on 2023-01-20 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: Following the positive impact of microfinance on poverty reduction, women empowerment, and microenterprise development in some countries in Asia and Africa, a huge amount of time has been devoted by researchers to understanding how this concept can be used as a catalyst for transforming and sustaining the economies of developing and emerging countries. Though there are a few books on the role of microfinance in reducing poverty in developing countries across world, there is no specific book that explores the role of microfinance in transforming and sustaining economies of developing and emerging countries. Transforming Economies Through Microfinance in Developing Nations seeks to explore how the provision of microfinance to individuals and groups can contribute to the economic transformation and sustainability of the economies of developing and emerging countries. Covering key topics such as climate change, entrepreneurship, and rural development, this reference work is ideal for government officials, entrepreneurs, policymakers, researchers, academicians, practitioners, scholars, instructors, and students.
Author : Barbara Harriss-White
Publisher : Springer
ISBN 13 : 8132224310
Total Pages : 330 pages
Book Rating : 4.1/5 (322 download)
Download or read book Middle India and Urban-Rural Development written by Barbara Harriss-White and published by Springer. This book was released on 2015-07-28 with total page 330 pages. Available in PDF, EPUB and Kindle. Book excerpt: Middle India and Rural-Urban Development explores the socio-economic conditions of an ‘India’ that falls between the cracks of macro-economic analysis, sectoral research and micro-level ethnography. Its focus, the ‘middle India’ of small towns, is relatively unknown in scholarly terms for good reason: it requires sustained and difficult field research. But it is where most Indians either live or constantly visit in order to buy and sell, arrange marriages and plot politics. Anyone who wants to understand India therefore needs to understand non-metropolitan, provincial, small-town India and its economic life. This book meets this need. From 1973 to the present, Barbara Harriss-White has watched India’s development through the lens of an ordinary town in northern Tamil Nadu, Arni. This book provides a pluralist, multi-disciplinary and inter-disciplinary perspective on Arni and its rural hinterland. It grounds general economic processes in the social specificities of a given place and region. In the process, continuity is juxtaposed with abrupt change. A strong feature of the book is its analysis of how government policies that fail to take into account the realities of small town life in India have unintended and often perverse consequences. In this unique book, Harriss-White brings together ten essays written by herself and her research team on Arni and its surrounding rural areas. They track the changing nature of local business and the workforce; their urban-rural relations, their regulation through civil society organizations and social practices, their relations to the state and to India’s accelerating and dynamic growth. That most people live outside the metropolises holds for many other developing countries and makes this book, and the ideas and methods that frame it, highly relevant to a global development audience.
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:
