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Author: K. G. Karmakar Publisher: Sage Publications Pvt. Limited ISBN: 9789353881993 Category : Languages : en Pages : 488
Book Description
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: Amit K. Bhandari Publisher: Springer Science & Business Media ISBN: 8132212843 Category : Business & Economics Languages : en Pages : 201
Book Description
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: Surajit Kumar Bhagowati Publisher: ISBN: 9788177083330 Category : Microfinance Languages : en Pages : 0
Book Description
According to India's 2011 Census, the rural population was 68.8% of India's total population. Rural development implies both the economic betterment of people, as well as greater social transformation. Increased participation of people in the rural development process, decentralization of planning, better enforcement of land reforms, and greater access to credit and inputs go a long way in providing the rural population with better prospects for improved quality of life. Since 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, the rural poor continue to depend on informal sources of credit. It is in this context that micro credit has emerged as the most suitable and practical alternative to the conventional banking in reaching the hitherto unreached poor population. Micro credit enables poor people to be thrifty and helps them in availing the credit and other financial services for improving their income and living standards. This book examines the working of institutions engaged in providing rural finance and the policies of the government for financial inclusion of the poor.
Author: Srimoyee Datta Publisher: Springer Nature ISBN: 9819941415 Category : Business & Economics Languages : en Pages : 215
Book Description
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: M. S. Sriram Publisher: SAGE Publications Pvt. Limited ISBN: 9789386062192 Category : Business & Economics Languages : en Pages : 0
Book Description
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: S. M. Feroze Publisher: ISBN: 9788177082852 Category : Microfinance Languages : en Pages : 0
Book Description
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: Jayadev M. Publisher: Routledge ISBN: 1317214943 Category : Business & Economics Languages : en Pages : 203
Book Description
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: Mohammad Kashif Publisher: ISBN: Category : Languages : en Pages : 15
Book Description
Women are essential part of the society. A key concern in developing countries is the empowerment of women. The role of women in economic activities and decision making is very low. Micro-financial schemes play a vital role in increasing women's participation in economic activities and decision making. In this research paper, an effort is made to investigate various causes of women empowerment especially through micro-financial schemes. Micro-finance or micro-credit, both used interchangeably, is an important tool for the growth of the economy of our country. There has been enormous growth of organizations, known as Micro-finance Institutions (MFIs) in this field to deal with the micro-financial activities. The present paper focuses on the challenges and opportunities of micro-finance activities in rural areas of our country. The motto of this paper is also to test the role of micro-finance in the empowerment of downtrodden people especially women and the realization of financial inclusion in rural India. With increasing demand for rural finance, and the shortages of formal sources, the MFIs have tremendous challenges and opportunities in micro-finance in India. Some suggestions are given how MFIs should be administered with better exploration in terms of finance and technology as well as social responsibility.