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.

Download or read book Micro Credit Self help Groups SHGs and Women Empowerment written by Neeta Tapan and published by . This book was released on 2010 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Study conducted at Ujjain District in Madhya Pradesh, India.

Download or read book Microfinance Challenges written by Isabelle Guérin and published by . This book was released on 2005 with total page 392 pages. Available in PDF, EPUB and Kindle. Book excerpt: Contributed papers presented earlier in a conference.

Download or read book Empowerment of Women Through Self Help Groups written by Sultana Jehan Begum and published by LAP Lambert Academic Publishing. This book was released on 2011-12 with total page 156 pages. Available in PDF, EPUB and Kindle. Book excerpt: The women's SHG model is a home grown Indian model.Based on the principles of self-help, self-management, self-responsibility and self-reliance, the groups were mobilized by promoting institutions (often NGOs).The self help promoting institutions found that saving and loans could be the binding factor for groups to remain active and pursue their own agenda. NABARD launched a pilot to link SHGs to banks in 1992 which provided these institutions with a boost. The Reserve Bank of India (RBI) permitted banks to open saving accounts in the name of informal SHGs and lend to those groups without cash collateral and without asking for the purpose of the loan. Since 1996, SHG banking has been recognized as regular banking activity. In the process SHGs emerged as mass movement across the country and the largest community based micro finance model in the world.Two decades of the SHG movement has demonstrated positive impact on poverty. The model offers great potential to have millions of member-owned, member-managed and member-used organizations of the poor. In a nutshell this book is highly useful for those who want to do further research on SHGs & women empowerment.

Download or read book Financial Promise for the Poor written by Kim Wilson and published by Kumarian Press. This book was released on 2010 with total page 257 pages. Available in PDF, EPUB and Kindle. Book excerpt: * Balanced assessment of recent savings-led programs in microfinance * Contributors include wide range of scholars and practitioners The entry of the private sector into financial services for the poor is a relatively new development, but already the glossy promises of credit-led microfinance are facing scrutiny from the development community. Policymakers and economists have begun picking through the hype of microfinance to identify where and how top-down loans might fit into broader human development efforts. To many, the answer involves shifting focus to another financial service: savings. Serving as a strong and perhaps more effective tool than microcredit, microsavings is quickly becoming a lauded poverty-alleviation tool. Contributors to Financial Promise for the Poor cover current innovations in microsavings happening around the world. They describe how savings group members in the developing world are avoiding many of the financial liabilities and debt of other microfinance programs while gaining skills and finding opportunities in collective enterprise. The turn from credit to savings speaks to the growing empowerment of individuals and communities as they break the bonds of indebtedness and find their own paths to financial security.

Download or read book Social networks mobility and political participation The potential for women s self help groups to improve access and use of public entitlement schemes in India written by Kumar, Neha and published by Intl Food Policy Res Inst. This book was released on 2018-08-22 with total page 53 pages. Available in PDF, EPUB and Kindle. Book excerpt: Women’s self-help groups (SHGs) have increasingly been used as a vehicle for social, political, and economic empowerment as well as a platform for service delivery. Although a growing body of literature shows evidence of positive impacts of SHGs on various measures of empowerment, our understanding of ways in which SHGs improve awareness and use of public services is limited. To fill this knowledge gap, this paper first examines how SHG membership is associated with political participation, awareness, and use of government entitlement schemes. It further examines the effect of SHG membership on various measures of social networks and mobility. Using data collected in 2015 across five Indian states and matching methods to correct for endogeneity of SHG membership, we find that SHG members are more politically engaged. We also find that SHG members are not only more likely to know of certain public entitlements than non-members, they are significantly more likely to avail of a greater number of public entitlement schemes. Additionally, SHG members have wider social networks and greater mobility as compared to non-members. Our results suggest that SHGs have the potential to increase their members’ ability to hold public entities accountable and demand what is rightfully theirs. An important insight, however, is that the SHGs themselves cannot be expected to increase knowledge of public entitlement schemes in absence of a deliberate effort to do so by an external agency.

Download or read book Sustainability of Microfinance Self Help Groups in India written by Ajai Nair and published by World Bank Publications. This book was released on 2005 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Self help Groups and Rural Development written by S. Bose and published by MJP Publisher. This book was released on 2019-06-07 with total page 322 pages. Available in PDF, EPUB and Kindle. Book excerpt: Introduction SHGs and Development: The Scenario SHGs and Micro credit and Micro finance Global Analysis of Self-Help Groups Detailed Analysis of SHG in Tamilnadu Self-Help Group and its Members Role of SHGs in Social Transformation Summary of Major Analysis Promotion of Self-Help Groups Bibliography Index

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:

Download or read book Women Microfinance and the State in Neo liberal India written by K. Kalpana and published by Routledge. This book was released on 2016-07-07 with total page 207 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Marketing Strategies Financial Viability Of Self Help Groups written by K.Usharani and published by Sarup & Sons. This book was released on 2008 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: Study conducted in Erode District, Tamil Nadu, India.

Download or read book Microfinance and Self Help Groups written by A Alimelu Annapurna and published by Educreation Publishing. This book was released on with total page 197 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides a vivid picture of Micro Finance for women empowerment through bank linkage of women groups in Andhra Pradesh with special focus on East Godavari District. The book presents the observations made by the author on the outcomes of specific endeavors of District rural development agency (DRDA), East Godavari District for the economic, political and social empowerment of women and also the involvement of banking sector in the district to achieve the holistic objective of inclusive growth and alleviation of poverty.

Download or read book Women s Empowerment and Nutrition written by Mara van den Bold and published by Intl Food Policy Res Inst. This book was released on 2013-11-01 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many development programs that aim to alleviate poverty and improve investments in human capital consider women’s empowerment a key pathway by which to achieve impact and often target women as their main beneficiaries. Despite this, women’s empowerment dimensions are often not rigorously measured and are at times merely assumed. This paper starts by reflecting on the concept and measurement of women’s empowerment and then reviews some of the structural interventions that aim to influence underlying gender norms in society and eradicate gender discrimination. It then proceeds to review the evidence of the impact of three types of interventions—cash transfer programs, agricultural interventions, and microfinance programs—on women’s empowerment, nutrition, or both. Qualitative evidence on conditional cash transfer (CCT) programs generally points to positive impacts on women’s empowerment, although quantitative research findings are more heterogenous. CCT programs produce mixed results on long-term nutritional status, and very limited evidence exists of their impacts on micronutrient status. The little evidence available on unconditional cash transters (UCT) indicates mixed impacts on women’s empowerment and positive impacts on nutrition; however, recent reviews comparing CCT and UCT programs have found little difference in terms of their effects on stunting and they have found that conditionality is less important than other factors, such as access to healthcare and child age and sex. Evidence of cash transfer program impacts depending on the gender of the transfer recipient or on the conditionality is also mixed, although CCTs with non-health conditionalities seem to have negative impacts on nutritional status. The impacts of programs based on the gender of the transfer recipient show mixed results, but almost no experimental evidence exists of testing gender-differentiated impacts of a single program. Agricultural interventions—specifically home gardening and dairy projects—show mixed impacts on women’s empowerment measures such as time, workload, and control over income; but they demonstrate very little impact on nutrition. Implementation modalities are shown to determine differential impacts in terms of empowerment and nutrition outcomes. With regard to the impact of microfinance on women’s empowerment, evidence is also mixed, although more recent reviews do not find any impact on women’s empowerment. The impact of microfinance on nutritional status is mixed, with no evidence of impact on micronutrient status. Across all three types of programs (cash transfer programs, agricultural interventions, and microfinance programs), very little evidence exists on pathways of impact, and evidence is often biased toward a particular region. The paper ends with a discussion of the findings and remaining evidence gaps and an outline of recommendations for research.

Download or read book Working of Self help group Bank linkage programme written by Dr. B. Parimaladevi Archers and published by Archers & Elevators Publishing House. This book was released on with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Contemporary Research in Management written by Ramesh Kumar Chaturvedi and published by Educreation Publishing. This book was released on 2018-12-20 with total page 222 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is an edited book that contains the chapters contributed by budding researchers. The works reported by these researchers are mostly outcome of their research dissertation submitted for award of higher research qualifications. Dynamics in the business environment warrants managers to be abreast of latest changes happening around it that has potential to impact the business. Some of the forces in the environment put detrimental impact where as others bring new opportunities. Being aware of these opportunities is essential to be competitive and develop sound strategy. Further being knowledgeable of potential threats in the environment allows taking proactive steps to mitigate the risks. Scanning the environment and collecting relevant information are important steps to understand the environment. Academic researches provide much needed information to industry through their research outputs. Though academic research is fundamental by nature, yet managers could get deep insights about changes happening in the business environment, expectations of consumers and stakeholders etc. This book presents compilation in form of chapters of some latest research conducted by young academic researchers in field of business and management studies. These researches can prove to be vital for practicing managers by simplifying decision making. The researches presented in this book are from diverse areas and cover wide range of contemporary issues. The book is intended to serve both academic as well as industrial application.

Download or read book Beyond Micro credit written by Thomas Fisher and published by Oxfam. This book was released on 2002 with total page 396 pages. Available in PDF, EPUB and Kindle. Book excerpt: Beyond Micro-Credit sets out how Indian Micro-Finance Initiatives are combining micro-finance with a wide range of development goals, these include not only poverty alleviation through providing savings, credit and insurance services but also promoting livelihoods, empowering women, building people's organizations and changing institutions.

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.