Author: Jose Joseph Publisher: Amazon Publishers, USA ISBN: Category : Education Languages : en Pages :
Book Description
The most widely published feature of Kudumbasree is the setting up of micro enterprises using local resources as well as skills. Micro enterprise development is viewed as an opportunity for providing gainful employment to the people below poverty line and thereby improving their income and living standards. Micro finance in India started in the early 1980s with small efforts or forming informal SHG to provide access to much needed saving and credit services to the marginal population more importantly in rural areas. National bodies like the Small Industrial development Bank of India (SIBI) and NABARD are devoting significant time and financial resource to micro finance sector. The main objectives of this study 1) to identify important applications of micro finance among members in Kudumbasree, 2) to find out whether micro finance influences economic development of women, 3) to get insight about micro finance activities. A well-structured questionnaire was prepared to collect primary data. The questionnaire for this study was developed partly on the basis of existing literature and partly from the opinion of experts in the field by keeping in mind the scope and objectives of the study. Through this study an attempt has been made to analyse the working system of NHG of Purappuzha panchayath. Kudumbasree unit has created an innovative method of mobilising rural savings that eventually helped for providing credit. The members admitted that their socio-economic status improved after joining this unit. NHG unit has brought the national and international recognition as an ideal and workable model of participatory development for eradicating poverty.
Author: Laly Antoney Publisher: Amazon Publishers, USA ISBN: Category : Reference Languages : en Pages :
Book Description
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.
Author: Jose Joseph Publisher: Amazon Publishers, USA ISBN: Category : Reference Languages : en Pages :
Book Description
India is a home to the largest population of poor in the world and out of its total population there are nearly 75 million poor house-holds in India, thus it has become the prime obligation of the regulators to provide some definite solution for poverty alleviation. Microfinance has several other developmental objectives like mobilization of savings. It has also been used as inducers in different community development activities as an entry point in the community organizing program and as an ingredient in a larger education or training exercise. For this study, population consist of clients of micro financing institutions in Changanacherry Taluk. In this study for the purpose of primary data collection, samples were selected by using random sampling technique. Sample size for the study conducted is 100 respondents of micro financing institutions. The study consists of both primary and secondary data. Primary data were collected through questionnaire. The role of Micro Financing Institutions in economic empowerment with special reference to Changanacherry taluk was examined. Key challenges facing MFIs today that are affecting their impact on poverty alleviation were seem to be an over-emphasis on financial sustainability over social objectives, and a failure of many MFIs to work with the poorest in society. Overall, Micro financing institutions has provided important contributions to the development world. It was found that savings are vital and perhaps more important to people, that they are probably better served by direct subsidies rather than loans. Although micro financing institutions offer financial assistance to the society and prove itself a useful tool in economic empowerment.
Author: Raji Ajwani-Ramchandani Publisher: Emerald Group Publishing ISBN: 1787144259 Category : Business & Economics Languages : en Pages : 336
Book Description
Delving into the effects of microfinance in both rural and urban communities, this book will be of interest to researchers of women studies, microfinance, and development economics.
Author: Soumitra Sarkar Publisher: Readworthy ISBN: 935018012X Category : Political Science Languages : en Pages : 378
Book Description
Microfinance is a useful tool for reducing poverty and building the capacity of the poor in management of sustainable self-employment, by way of providing financial services like credit, saving, housing consumption credit, insurance cover, etc. This book takes a holistic view of the various aspects of the microfinance programmes as adopted under Swarnajayanti Gram Swarozgar Yojana (SGSY) in India, with special reference to the state of West Bengal. Critically examining how SGSY operates in relation to funding the programme, bank linkage system, training and capacity building of beneficiaries, thrift, credit and governance systems of SHGs, marketing of SHG products, role of bankers and NGOs, and the perceptions of the beneficiaries. It also analyses the impact of the SGSY programmes on the socio-economic empowerment of SHG members.
Author: Manfred Zeller Publisher: International Food Policy Research Insitute ISBN: Category : Business & Economics Languages : en Pages : 432
Book Description
Since the 1980s when the microfinance revolution began, much has been accomplished, but the field became more refined in the 1990s as a result of shifts in paradigms, strategies, and development practices. This volume addresses the three policy objectives that now occupy those who wish to use credit as a development tool: financial sustainability of microfinance institutions, outreach to the poor, and welfare impact. Inevitable tradeoffs exist among these objectives, and the book advances an analytical framework that assists students of and experts in microfinance to identify the tradeoffs and synergies at the institutional level and in the policy environment. The book features a wealth of empirical data and innovative analytical studies, and critically discusses the role of public support for microfinance institutions (MFIs) in light of the social costs and benefits generated by such financial systems. The book is organized into five parts. The first discusses the demand for and access to financial services by the poor, emphasizing that demand-oriented, pro-poor financial services are crucial in reaching the poor. The second is concerned with two of the criteria used to evaluate MFIs—outreach and financial sustainability. The third features innovative econometric studies seeking to evaluate the impact of MFIs at the household level. The fourth looks at the role of both public- and private-sector institutions in developing sustainable financial systems. And the fifth summarizes implications for policy and research. Given the lack of sound, empirical literature on microfinance, this volume is sure to advance knowledge and research methodology in the field.
Author: Marguerite S. Robinson Publisher: World Bank Publications ISBN: 9780821349540 Category : Electronic books Languages : en Pages : 500
Book Description
The revolution occurring in finance for low-income people refers to commercial microfinance--the delivery of financial services to the economically active poor on a large scale through competing, financially self-sufficient institutions. 'Lessons from Indonesia', volume 2 of 'The Microfinance Revolution', examines in the Indonesian context the principles and practices of commercial microfinance that were explored and analyzed in volume 1. The first country to develop profitable microfinance on a large scale, Indonesia is home to the world's oldest and largest commercial microfinance institutions, as well as many others. The book examines many financial institutions, with a special emphasis on Bank Rakyat Indonesia's microbanking system, which in the mid-1980s was transformed from a failed subsidized credit program to a nationwide commercial financial intermediary that now profitably provides microfinance services--savings and credit--to more than 20 million people. Commercial microbanking remained stable and profitable in Indonesia even as the country's financial system collapsed during the recent crisis. This volume shows why, and offers crucial lessons for developing countries everywhere.
Author: Marguerite S. Robinson Publisher: ISBN: Category : Languages : en Pages : 304
Book Description
This book focuses on how the demand for microfinance can be met on a global scale. It documents the contributions of institutions and of people who have led the development of commercial finance for the poor, and it analyzes the principles on which the microfinance revolution is based. In sum, this work offers a detailed overview of the development of microfinance over the past 20 years; a global view of microfinance in the developing world (largely excluding Eastern Europe); a thesis on the future path of microfinance; a coherent theory about microfinance--why it works when so many other development interventions fail; detail on a number of important microfinance topics--such as informal moneylending and savings; an important study on, and lessons from Indonesia, with detailed analysis of Bank Rakyat Indonesia; and, brief studies of many other microfinance institutions in Africa, Asia, and Latin America.
Author: Jose Joseph
Author: Laly Antoney 
Author: Jose Joseph
Author: P. J. Christabell
Author: Raji Ajwani-Ramchandani
Author: Soumitra Sarkar
Author: Manfred Zeller
Author: Marguerite S. Robinson
Author: Marguerite S. Robinson
Author: お受験７（セブンシーズ出版）