Read Books Online and Download eBooks, EPub, PDF, Mobi, Kindle, Text Full Free.
Self Help Groups For Indias Financial Inclusion
Download Self Help Groups For Indias Financial Inclusion full books in PDF, epub, and Kindle. Read online Self Help Groups For Indias Financial Inclusion ebook anywhere anytime directly on your device. Fast Download speed and no annoying ads. We cannot guarantee that every ebooks is available!
Book Synopsis Financial Inclusion, Self-help Groups (SHGs) and Women Empowerment by : Kartick Das
Download or read book Financial Inclusion, Self-help Groups (SHGs) and Women Empowerment written by Kartick Das and published by . This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Women's lack of economic empowerment not only impedes growth and poverty reduction, but also negatively impacts education and health outcomes for children. Thus, it is extremely important to ensure that women are economically empowered. Financial inclusion may be defined as the process of ensuring access to financial services and timely and adequate credit - where needed by vulnerable groups, such as women - at an affordable cost. India's Self-help Group (SHG)-Bank Linkage Program was launched in 1992 as a flagship program by the country's National Bank for Agriculture and Rural Development. The objective is to meet the financial needs of the poor by linking SHGs with the formal credit agencies. Financial inclusion of India's women can be best ensured through SHGs. This collection contains papers that provide valuable insights into the importance and functioning of SHGs to ensure financial inclusion and hence economic empowerment of women in India.
Book Synopsis Self-help Groups for India's Financial Inclusion by : Meenakshi Rajeev
Download or read book Self-help Groups for India's Financial Inclusion written by Meenakshi Rajeev and published by . This book was released on 2018-02 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Self-help groups for India’s financial inclusion by : Rajeev, Meenakshi
Download or read book Self-help groups for India’s financial inclusion written by Rajeev, Meenakshi and published by kassel university press GmbH. This book was released on 2017-12-13 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: Ensuring accessibility to credit to the poor self-employed households is a critical concern for many developing nations. Self-help groups (SHG) formed by women in the developing countries help them to access financial intermediaries and access credit for various income-generating activities. In case of India, SHGs are formed either through state-assisted SHG-Bank Linkage Programme (SBLP) or through private initiatives of micro finance institutions (MFIs) or NGOs. Under the former, the groups access formal banking directly while in case of MFIs, loan is disbursed through MFIs themselves. Rate of interest in case of loans obtained by SHGs through SBLP, therefore, depends on the rate of interest charged by the various types of formal lending agencies and is often found to be lower than the interest charges of the MFIs. It is, however, argued that transaction costs involved in a bank loan are substantial, therefore, borrowers prefer loans from the informal sector, delivered at the borrower’s doorstep. In order to examine this issue rigorously, we have tried to estimate the effective costs towards borrowing by including the transaction costs, estimated using quantitative data collected through our survey. Our results show that the transaction costs contribute only marginally to the cost of borrowing, hence, we argue (using field data) that the programme, which has many additional benefits including ensuring financial inclusion of women and empowering them, should be strengthened and expanded further.
Book Synopsis Microfinance through Women Self-Help Groups (SHGs) for Grass-root level Empowerment: An Empirical study of Varanasi, Uttar Pradesh, India by : Tripti Kumari
Download or read book Microfinance through Women Self-Help Groups (SHGs) for Grass-root level Empowerment: An Empirical study of Varanasi, Uttar Pradesh, India written by Tripti Kumari and published by kassel university press GmbH. This book was released on 2016 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance, as a concept, involves providing financial services, particularly small credit, fund transfer, and insurance to the unemployed, low-income group, and those who do not have easy access to the banking system. It has emerged as an active agent of financial inclusion, ensuring economic, and social upliftment of the unprivileged. Microfinance is being operated through two channels Self-help Group-Bank Linkage Programme (SBLP) and Micro-finance Institutions (MFIs). The special characteristic of SBLP is its direct connection with the clients at the grass-root level and working towards poverty reduction by providing financial support. The paper is based on a field study on SBLP undertaken for women in the Varanasi District of Uttar Pradesh, India. The increase in women’s participation in economic activities and decision-making reveals that SHGs have made an impact. SHGs have also helped them to create a common platform to participate, discuss, and find a solution of their problems. Women’s income and occupation structure under SHGs have also influenced the standard of living and empowerment level significantly.
Book Synopsis Marketing Techniques for Financial Inclusion and Development by : Jain, Dhiraj
Download or read book Marketing Techniques for Financial Inclusion and Development written by Jain, Dhiraj and published by IGI Global. This book was released on 2018-06-01 with total page 311 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial inclusion has been one of the most propagated ideologies in countries, and as a result, significant efforts have been taken to nurture institutions and systems to include an array of socio-economic classes. Various financial institutions and societies have taken steps toward financial inclusion, but to be successful, they need to understand how to accurately target and market their potential customers as well as the new avenues for development. Marketing Techniques for Financial Inclusion and Development is a critical scholarly resource on the marketing techniques adopted by various financial institutions and societies for promoting financial inclusion initiatives for the development of the society at large. Featuring coverage on a broad range of topics such as consumer awareness, financial literacy, and micro-enterprises, this book is geared towards managers, investors, brokers, researchers, and all others within the banking industry.
Book Synopsis Affordable Credit by : Collard, Sharon
Download or read book Affordable Credit written by Collard, Sharon and published by Policy Press. This book was released on 2005-02-09 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt: The poor pay more for many things but, arguably, it is the extra they pay for credit that puts the greatest strain on their budgets. This report looks beyond the rhetoric that has dominated much of the debate on high-cost credit to examine the scope for widening access to more affordable credit. The report explores what people on low incomes want from a credit source. It also analyses the constraints on lending to poor people. It looks at the scope for reducing the costs of lending and widening access to more affordable credit, and estimates the scale of demand for affordable credit. This report should be read by commercial and not-for-profit lenders, campaigners, policymakers and anyone studying or researching issues around poverty and financial exclusion.
Download or read book SIMSARC 2018 written by Arti Chandani and published by European Alliance for Innovation. This book was released on 2019-02-09 with total page 501 pages. Available in PDF, EPUB and Kindle. Book excerpt: 4C’s; Communication, Commerce, Connectivity and Culture are the building blocks of an economy. How well an economy will grow or perform will depend on how strong these four pillars are. Communication leads to sharing of information among individuals. It is important for any business to have the right kind of communication channel. Commerce, provides goods and services for the society and its people. Connectivity provides the right infrastructure and system for those goods and services to reach the market. Lastly, culture helps to retain the indigenous value in those. SIMSARC 2018, organised by Symbiosis Institute of Management Studies, focussed on the aforementioned idea and invited eminent speakers from academia and industry, all over the world, to share their views on the importance of the 4Cs; Communication, Commerce, Connectivity and Culture for businesses and society. The conference had 4 sub-themes viz. Communication, Commerce, Connectivity and Culture which were the plenary sessions for the conference. The highlight of the “communication: Role of AI, Big Data and IoT in Business” track was the papers which were from broad range of Internet of things (IoT), big data, role of technology, Artificial Intelligence among other aspects of communication. The panel speakers gave insight as to how communication is important for business not only for across boundaries but within a country as well. Another session was on “Culture: An indigenous way” where speakers deliberated on the cultures prevailing in different organisations, countries and societies. From a ‘we together’ attitude in some country to a ‘me first’ attitude in the other, cultural similarities and dissimilarities across nations were discussed in this track. The session witnessed some relevant questions from the audience on issues of language barriers and its effect on businesses. Language and cultural barriers are something which are inevitable but one needs to be adoptive and should learn languages to mitigate these barriers. “Connectivity: Backbone for development” was another plenary discussion where increase in connectivity through various social media platforms such as Facebook, Twitter, WhatsApp was discussed and deliberated where the focus was whether human beings are still emotionally connected or not. The critical role of technology was emphasized along with importance of human to human interaction. No matter how much technology comes in play, human connections will never die as this was concluded by speakers as Technolgoy may not be able to take away the emotional connect. Another track, “Commerce: Fuel for economy” where the panellist spoke about growth, price discrimination, financial markets, inequality etc. Investor’s education is one of the most important aspect to take the investors to level where they understand financial market and this will help in investment activity in the market. Sustainability was another concern highlighted by the speakers and they pointed that policies should work towards attaining sustainability in the market and try to bridge the gap between skills and jobs available in the country. Researchers from all over the country, belonging to academic institutes and industry, presented their research ideas on the 4C’s. These research works ranged from digital transformation, IOT, team dynamics and organisation culture to infrastructural issues, e-commerce, banking and corporate governance, the research works presented covered a plethora of policy issues where each one of them is the need of the hour. The deliberations from renowned academicians who came from different parts of the world along with top industrialist, bureaucrats, entrepreneurs, NGOs immensely contributed to the existing bodies of work. They emphasized on the importance of right policies to promote communication, connectivity, facilitating commerce and preserving culture among societies. Overall, the conference witnessed a brainstorming session with scholars and experts and it surely did pave the way for future research.
Book Synopsis Financial Inclusion in India by : N. Mani
Download or read book Financial Inclusion in India written by N. Mani and published by . This book was released on 2015 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: In India, while one segment of the population has access to an assortment of banking services and financial counseling, the other segment of underprivileged and lower income group is totally deprived of even basic financial services. Exclusion of large segments of the society from financial services adversely affects the overall economic growth of a country. In order to ensure financial inclusion of the poor, particularly in rural areas, various initiatives have been taken by the government and the Reserve Bank of India (RBI). These include the nationalization of commercial banks, the establishment and expansion of rural credit co-operatives, regional rural banks, urban co-operative banks, micro finance and self-help groups, mutual funds, and pension funds. There are several challenges that require concerted efforts from banks, the RBI, and India's government to ensure a convenient and cost-effective delivery of financial services to the public at large. In particular, the challenge is to introduce innovations in risk assessment, reduce transaction costs, devise new credit delivery channels, and use information technology to make financial inclusion a viable model. This book examines the various policies and programs that were implemented in order to make financial services more accessible to the country's underprivileged income groups, resulting in millions of bank accounts being opened. [Subject: India Studies, Economics, Poverty Studies, Development Studies]
Book Synopsis Financial Inclusion in Circular Economy by : Vinay Kandpal
Download or read book Financial Inclusion in Circular Economy written by Vinay Kandpal and published by Springer Nature. This book was released on 2023-01-30 with total page 218 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book presents an assessment of endeavors towards Financial Inclusion and its role in Sustainable development. An attractive feature is that it deals with almost all the contemporary issues essential for reaching UN Sustainable Development Goals. This book would be an exclusive and authentic source to the students of undergraduates, postgraduates and professional courses in Commerce and Management. This manuscript is divided into nine chapters. The book looks at various salient topics, including financial inclusion measurement, the impact of various financial inclusion indicators on development outcomes and macroeconomic volatility using aggregate data, and the effects of financial inclusion on poverty and development outcomes using microdata. Using the recently adopted Sustainable Development Goals as an overall framing of the issues, it exhibits how poor and disadvantaged women and men can be bankable if the adequate facilitation for maximizing opportunities and addressing constraints. This book attempts to cover different dimensions of Financial Inclusion towards attaining Sustainability and Circular Economy through financing instruments and investments. This book highlights different goals of UN SDG as an Initiative towards Inclusive Growth and Circular Economy, which is also influenced by Micro Finance Institutions and NBFCs. This book will be an indispensable source for the Students of PG and UG programs, Researchers and practitioners from areas of Commerce, Economics and Management and the faculty members and professionals like bankers and financial consultants. We hope this book will meet the requirement of all the categories of readers.
Book Synopsis Banking on Self-help Groups by : Ajay Tankha
Download or read book Banking on Self-help Groups written by Ajay Tankha and published by SAGE Publications Pvt. Limited. This book was released on 2012-08-31 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking on Self-help Groups reviews the existing state of affairs in respect of the SHG (Self-help Group) movement and addresses the question of what should be the next phase of development of the SHGs. It identifies the policy gaps and opportunities that exist for the SHGs to be mainstreamed further into the formal financial system. The author examines elements of strategy and design being adopted by the National Rural Livelihoods Mission as also the potential role of NABARD in the development of SHGs in the future. The study focuses on three core issues pertaining to SHGs. These relate to (i) cost-effectiveness, (ii) sustainability, and (iii) impact, i.e., the development cost of SHGs and SHG-based institutions, the sustainability of SHG models and community institutions fostered by them, and the economic and social impact on SHG members. The book concludes with a discussion of proposals and institutional arrangements that provide the way forward for the continued and uninterrupted growth of SHGs as an agency for change in the rural sector of India.
Book Synopsis Micro Finance and Poverty Eradication by : Daniel Lazar
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.
Book Synopsis Microfinance Through Self Help Group (Shg) Bank Linkage Programme An Impact Assessment by : Veenapani
Download or read book Microfinance Through Self Help Group (Shg) Bank Linkage Programme An Impact Assessment written by Veenapani and published by Archers & Elevators Publishing House. This book was released on with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Best Business Practices of Self Help Groups by : Sundari Suresh
Download or read book Best Business Practices of Self Help Groups written by Sundari Suresh and published by Beyond Line Publisher. This book was released on with total page 259 pages. Available in PDF, EPUB and Kindle. Book excerpt: Self-help groups are crucial for employment generation for a large portion of the population. The acceptability of their produce and sustainability is very important for social-economic well-being of the group members. This book (based on my Ph.D. research) focuses on the acceptability of the products of self-help groups by its market and to explore the best business practices adopted by them. When we look at Corporate World, we find the likes of Dhirubhai Ambani, Tata, Birla, Godrej and many others who have made it ‘BIG’ through their indomitable spirit and indefatigable passion to ascend to the pinnacle of greatness. The common aspect of many legendary names in Corporate World is their tireless tirade to achieve their mark despite several handicaps, sometimes in the form of a humble background, financial crisis, social ostracism, tragedies and formal educational acquisitions. These are people who re-write history through the ink of their sweat, tears and blood to provide the world with the deepest thoughts of motivation to overcome the times of crises. All entrepreneurs have the same expectations, same emotions, same problems, same passion to come up in life and progress in their own business. The world deserves to know about these SHGs and their marketing practices to hold on to diversity and humanity together. I humbly present this book to the current and budding Women SHG fraternity to ‘realize’ their contribution towards our country’s economy.
Book Synopsis Financial Inclusion - Viable Opportunities in India by :
Download or read book Financial Inclusion - Viable Opportunities in India written by and published by Ajay Garg. This book was released on with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis FINANCIAL INCLUSION IN INDIA by : DR.S.V. SHINDE
Download or read book FINANCIAL INCLUSION IN INDIA written by DR.S.V. SHINDE and published by Lulu.com. This book was released on with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Indian Financial System: Markets, Institutions and Services by : Bharati V. Pathak
Download or read book The Indian Financial System: Markets, Institutions and Services written by Bharati V. Pathak and published by Pearson Education India. This book was released on 2010 with total page 816 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book AI IN BUSINESS written by Reem Khamis and published by Springer Nature. This book was released on 2024 with total page 645 pages. Available in PDF, EPUB and Kindle. Book excerpt:
