Microfinance through Women Self-Help Groups (SHGs) for Grass-root level Empowerment: An Empirical study of Varanasi, Uttar Pradesh, India PDF Download
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Author: Tripti Kumari Publisher: kassel university press GmbH ISBN: 3737602565 Category : Languages : en Pages : 32
Book Description
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.
Author: Tripti Kumari Publisher: kassel university press GmbH ISBN: 3737602565 Category : Languages : en Pages : 32
Book Description
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.
Author: Akua Opokua Britwum Publisher: kassel university press GmbH ISBN: 3737606307 Category : Languages : en Pages : 40
Book Description
Agricultural interventions are designed on certain assumptions of empowerment that do not necessarily address the livelihood constraints of the rural women they set out to support. This is a failing that might be due to the omission of women’s voices expressing their understanding of empowerment and its relation to existing gender orders. Using primary data from the Upper East and Northern Regions in Ghana, we explored women and men’s notions of the processes and outcomes of empowerment. We began by understanding the basis of women’s disempowerment and confirmed its location within agricultural production relations that granted women limited access to resources. Respondents recognised all the main dimensions of power: within, with, to and over. The restrictions of women’s empowerment to the provisioning role on condition that it did not usurp male power over women limited intervention’s ability to provide true empowerment for women. But signs of increasing transfer of women’s power within into group action and male acceptance of women’s expanding spheres of influence indicate that some grounds for true transformation in the future exists.
Author: Rajeev, Meenakshi Publisher: kassel university press GmbH ISBN: 3737603855 Category : Languages : en Pages : 32
Book Description
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.
Author: U. Jerinabi Publisher: Discovery Publishing House ISBN: 9788183561112 Category : Indian women Languages : en Pages : 214
Book Description
Contents: Introduction, Growth of Self Help Groups in India, Review of Literature, Methodology, Performance of the Self Help Groups, Impact of Micro Credit on SHG Members, Summary and Conclusion.
Author: Ajai Nair Publisher: World Bank Publications ISBN: Category : Microfinance Languages : en Pages : 46
Book Description
The major form of microfinance in India is that based on women's Self Help Groups (SHGs), which are small groups of 10--20 members. These groups collect savings from their members and provide loans to them. However, unlike most accumulating savings and credit associations (ASCAs) found in several countries, these groups also obtain loans from banks and on-lend them to their members. By 2003, over 700,000 groups had obtained over Rs.20 billion (US$425 million) in loans from banks benefiting more than 10 million people. Delinquencies on these loans are reported to be less than 5 percent. Savings in these groups is estimated to be at least Rs.8 billion (US$170 million). Despite these considerable achievements, sustainability of the SHGs has been suspect because several essential services required by the SHGs are provided free or at a significantly subsidized cost by organizations that have developed these groups. A few promoter organizations have, however, developed federations of SHGs that provide these services and others that SHG members need, but which SHGs cannot feasibly provide. Using a case study approach, Nair explores the merits and constraints of federating. Three SHG federations that provide a wide range of services are studied. The findings suggest that federations could help SHGs become institutionally and financially sustainable because they provide the economies of scale that reduce transaction costs and make the provision of these services viable. But their sustainability is constrained by several factors--both internal, related to the federations themselves, and external, related to the other stakeholders. The author concludes by recommending some actions to address these constraints. This paper--a product of the Finance and Private Sector Development Unit, South Asia Region--is part of a larger effort in the region to study access to finance in India.
Author: Christa Wichterich Publisher: kassel university press GmbH ISBN: 3737606323 Category : Languages : en Pages : 32
Book Description
This paper suggests the concept of care extractivism as a space- and time-diagnostic tool to international political economics in post-fordist societies. Analogous to resource extractivism, care extractivism depicts the intensified commodification of social reproduction and care work along social hierarchies of gender, class, race and North-South as a strategy to cope with a crisis of social reproduction. Extractivist policies result in the creation of a cheap reproductive labour force. The paper analyses the current national and transnational reconfiguration of social and biological reproduction in Germany / Western Europe interacting with Eastern Europe and Asia. Currently, the most striking features of care extractivism are a) professionalisation for efficiency increase, b) transnationalisation based on import of care workers, and c) transnationalisation of biological reproduction based on reproductive technologies. The contradiction between the rationale of care and the neoliberal capitalist market logic results in frequent care struggles such as the protests of hospital nurses against the depletion of care resources. The politisation of care by the protesting care workers asks for giving preference to the care economy as a common good over care as a commodity.
Author: K. Kalpana Publisher: Routledge ISBN: 113485997X Category : Business & Economics Languages : en Pages : 244
Book Description
This book discusses women-oriented microfinance initiatives in India and their articulation vis-à-vis state developmentalism and contemporary neo-liberal capitalism. It examines how these initiatives encourage economically disadvantaged rural women to make claims upon state-provided microcredit and connect with multiple state institutions and agencies, thereby reshaping their gendered identities. The author shows how Self-Help Group (SHG)-based microfinance institutions mobilise agency and create channels of empowerment for women as well as make them responsible for alleviating poverty for themselves and their families. The book also brings out the importance of factoring in women’s dissenting voices when they negotiate developmental projects at the grassroots level. Rich in empirical data, this volume will be useful to scholars and researchers of development studies, gender studies, economics, especially microeconomics, politics, public policy and governance.
Author: Meenakshi Rajeev Publisher: kassel university press GmbH ISBN: 3737604525 Category : Languages : en Pages : 40
Book Description
Indian fisheries are moving from artisanal to capitalistic methods of production. As this transformation takes place, many traditional fishers are forced to seek employment on trawlers and other fishing vessels owing to their lack of a capital base to purchase modern vessels themselves. Competition among trawlers can lead to cost reducing strategies that lower the quality of working conditions for those employed in these vessels. This paper is an attempt to assess the working conditions of these workers through the use of indicators developed by the International Labour Office in the context of decent work. By utilizing data collected in the National Sample Survey Organization’s (NSSO) 68th round survey of employment and unemployment, we find that there are some areas in which decency of work is lacking. The level of job security is highly inadequate among most workers in fisheries. There is a marked absence of women in the labour pool, especially in unskilled tasks. Child labour, while not a cause for alarming concern, exists to a minor degree in the industry. Furthermore, freshwater fishing was found to afford lower standards of work than marine fishing. Regulation and policy action are called into requirement by these observations.
Author: Tripti Kumari
Author: Tripti Kumari
Author: Tripti Kumari
Author: Akua Opokua Britwum
Author: Rajeev, Meenakshi
Author: U. Jerinabi
Author: Ajai Nair
Author: Christa Wichterich
Author: Praveen K. Jha
Author: K. Kalpana
Author: Meenakshi Rajeev