Micro Finance And Indias Rural Economy PDF Download
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Author | : Sanjay Kanti Das |
Publisher | : |
Total Pages | : 0 |
Release | : 2011 |
Genre | : Credit |
ISBN | : 9788177082630 |
Download Micro Finance and India's Rural Economy Book in PDF, ePub and Kindle
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 | : Amit K. Bhandari |
Publisher | : Springer Science & Business Media |
Total Pages | : 201 |
Release | : 2013-08-15 |
Genre | : Business & Economics |
ISBN | : 8132212843 |
Download Microfinance, Risk-taking Behaviour and Rural Livelihood Book in PDF, ePub and Kindle
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 | : Jayadev M. |
Publisher | : Routledge |
Total Pages | : 265 |
Release | : 2016-05-12 |
Genre | : Business & Economics |
ISBN | : 1317214951 |
Download Changing Contours of Microfinance in India Book in PDF, ePub and Kindle
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 | : Priya Basu |
Publisher | : World Bank Publications |
Total Pages | : 152 |
Release | : 2006-01-01 |
Genre | : Business & Economics |
ISBN | : 0821361473 |
Download Improving Access to Finance for India's Rural Poor Book in PDF, ePub and Kindle
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 | : Srimoyee Datta |
Publisher | : Springer Nature |
Total Pages | : 215 |
Release | : 2023-08-28 |
Genre | : Business & Economics |
ISBN | : 9819941415 |
Download Financial Inclusion and Livelihood Transformation Book in PDF, ePub and Kindle
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 | : Aaliar Rowther Mustafa |
Publisher | : Serials Publications |
Total Pages | : 438 |
Release | : 2009 |
Genre | : Farm produce |
ISBN | : 9788183872720 |
Download Indian Rural Economy Book in PDF, ePub and Kindle
Author | : Amitabh Bhatnagar |
Publisher | : Concept Publishing Company |
Total Pages | : 464 |
Release | : 2008 |
Genre | : Business & Economics |
ISBN | : 9788180695674 |
Download Rural Microfinance and Microenterprise Book in PDF, ePub and Kindle
Contributed articles on microfinance and small business in India.
Author | : K. G. Karmakar |
Publisher | : Sage Publications Pvt. Limited |
Total Pages | : 488 |
Release | : 2008-02-21 |
Genre | : |
ISBN | : 9789353881993 |
Download Microfinance in India Book in PDF, ePub and Kindle
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 | : |
Publisher | : World Bank Publications |
Total Pages | : 34 |
Release | : |
Genre | : |
ISBN | : |
Download Scaling-up microfinance for India's rural poor Book in PDF, ePub and Kindle
Author | : Ranjula Bali Swain |
Publisher | : Routledge |
Total Pages | : 161 |
Release | : 2013-08-15 |
Genre | : Business & Economics |
ISBN | : 1136308105 |
Download The Microfinance Impact Book in PDF, ePub and Kindle
Financial inclusion through microfinance has become a powerful force in improving the living conditions of poor farmers, rural non-farm enterprises and other vulnerable groups. In its unique ability to link the existing extensive network of India’s rural bank branches with the Self Help Groups (SHG), the National Bank of Agriculture and Rural Development (NABARD) has covered up to 97 million poor households by March 2010 under its Self Help Group Bank Linkage Programme. Policy-makers have proclaimed SHGs as ‘‘the most potent initiative ... for delivering financial services to the poor in a sustainable manner." This book presents a comprehensive scientific assessment of the impact of the Self Help Group Bank Linkage Programme (SBLP) on the member households. The book discusses wide-ranging topics, including the rural financial sector in India, the history and structure of the SBLP, the impact methodologies, the economic and social impact of microfinance, its role in building assets while reducing poverty and vulnerability, the role of women and their empowerment, training and accumulation of human capital and policy implications of lessons learned. The empirical results show that vulnerability of the more mature SHG members declines significantly. Vulnerability also falls for villages with better infrastructure and for SHGs that are formed by NGOs and linked by banks. The results strongly demonstrate that on average, there is a significant increase in the empowerment of the female participants. The economic impact of SBLP is found to be the most empowering. Greater autonomy and changes in social attitudes also lead to female empowerment. The investigation further reveals that training (especially business training) has a definite positive impact on assets but not on income. The impact of training can be improved through better infrastructure (as in paved roads), linkage model type, and the training organiser. Bridging the gap in the existing literature and between academics and practitioners, this book moves beyond the usual theoretical issues in the impact assessment literature and draws on new developments in methodology. It will be of interest to academics, development practitioners and students of economics, political science, sociology, public policy and development studies.