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 The Microfinance Impact written by Ranjula Bali Swain and published by Routledge. This book was released on 2013-08-15 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book Microfinance through Women Self Help Groups SHGs for Grass root level Empowerment An Empirical study of Varanasi Uttar Pradesh India written by Tripti Kumari and published by kassel university press GmbH. This book was released on 2016 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book Micro Financing of Rural Women Through Self help Groups written by K. Kanniammal and published by . This book was released on 2015 with total page 243 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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 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 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 Microfinance written by Soumitra Sarkar and published by Readworthy. This book was released on 2011 with total page 378 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book Assessing Micro Realities with Macro Policy written by Alok Misra and published by . This book was released on 2008 with total page 612 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Microfinance Self Help Groups written by Audil Khaki and published by . This book was released on 2012 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Indian economic policy emphasises on achieving high growth rates coupled with ensuring that the poor are able to participate equally in the opportunities available in the market economy. This agenda for Inclusion involves creating specific environment through which the poor across the country have open, safe, secure and affordable access to various financial products. Microfinance is one such strategy for inclusive growth, which can be explained as provision of financial services such as loans, savings, insurance, financial literacy, etc. Those who promote the concept of microfinance as an inclusive development tool believe that such unrestricted access will help in poverty alleviation and uniform growth. Various steps have been taken in this direction since Independence by Government, Financial Institutions, Microfinance Institutions, and NGOs which include SHG-Bank Linkage Programme as one such initiative. Microfinance in J & K is still in its initial stage; from the formal sources like Public Sector Commercial Banks, District Cooperative Societies, Regional Rural Banks and Private Sector Commercial Banks, which provide microfinance services to few thousand SHGs formed in the State and it is in this direction that the present study has been undertaken. This study carried out in one of the Southern Districts of Kashmir attempts to assess the role of microfinance in Self Help. The study is empirical in nature and attempts to analyse the performance of Self Help Groups in terms of growth, income, improvement in living standards and so on. The results of the study show that microfinance has played a positive role to make Self Help Groups successful ventures in the district.
Download or read book WOMEN EMPOWERMENT THROUGH SHG BANK LINKAGE PROGRAMMES written by Dr. Mahesh Agasara and published by Lulu.com. This book was released on with total page 266 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Transforming Economies Through Microfinance in Developing Nations written by Alhassan, Yahaya and published by IGI Global. This book was released on 2023-01-20 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: Following the positive impact of microfinance on poverty reduction, women empowerment, and microenterprise development in some countries in Asia and Africa, a huge amount of time has been devoted by researchers to understanding how this concept can be used as a catalyst for transforming and sustaining the economies of developing and emerging countries. Though there are a few books on the role of microfinance in reducing poverty in developing countries across world, there is no specific book that explores the role of microfinance in transforming and sustaining economies of developing and emerging countries. Transforming Economies Through Microfinance in Developing Nations seeks to explore how the provision of microfinance to individuals and groups can contribute to the economic transformation and sustainability of the economies of developing and emerging countries. Covering key topics such as climate change, entrepreneurship, and rural development, this reference work is ideal for government officials, entrepreneurs, policymakers, researchers, academicians, practitioners, scholars, instructors, and students.
Download or read book Research Anthology on Microfinance Services and Roles in Social Progress written by Management Association, Information Resources and published by IGI Global. This book was released on 2022-09-23 with total page 711 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance has emerged as a growing field as more businesses discover the benefits and opportunities it provides. To ensure that microfinance is utilized appropriately, further study on the best practices and difficulties is required. The Research Anthology on Microfinance Services and Roles in Social Progress considers the ways in which microfinance can be utilized to achieve social progress as well as the challenges and opportunities of this area. Covering key topics such as income, small businesses, entrepreneurship, and credit, this major reference work is ideal for industry professionals, government officials, computer scientists, entrepreneurs, business owners, managers, policymakers, researchers, scholars, practitioners, instructors, and students.
Download or read book Microfinance and Its Impact on Entrepreneurial Development Sustainability and Inclusive Growth written by Das, Ramesh Chandra and published by IGI Global. This book was released on 2018-06-15 with total page 412 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance is a broad variety of services, such as microcredit, for entrepreneurs and small businesses lacking access to banking and other financial services. As many smaller businesses and entrepreneurs may not be able to secure credit services, many microfinance promoters believe that it encourages entrepreneurial activities and inclusive growth. Microfinance and Its Impact on Entrepreneurial Development, Sustainability, and Inclusive Growth is an essential resource that empirically explores the role of microfinance in entrepreneurship development and the operational sustainability of microfinance institutions. It also highlights the impact of microfinance on entrepreneurship development in different countries and regions. Featuring coverage on a broad range of topics such as risk management, women entrepreneurship, and strategic management, this book provides essential research for entrepreneurs, business managers, policy makers, researchers in the field of finance, and business professionals seeking relevant research on microfinance systems.
Download or read book Multidimensional Approach to Local Development and Poverty Causes Consequences and Challenges Post COVID 19 written by Carvalho, João Conrado de Amorim and published by IGI Global. This book was released on 2021-12-17 with total page 353 pages. Available in PDF, EPUB and Kindle. Book excerpt: The phenomenon of poverty, despite being aggravated by the COVID-19 pandemic, is recurrent and very harmful in peripheral countries. There seems to be no single solution, as each country faces its specificities, requiring an immersion into its causes and consequences. Multidimensional Approach to Local Development and Poverty: Causes, Consequences, and Challenges Post COVID-19 discusses the results of research conducted on the multivariate causes of hunger and poverty and how the pandemic has aggravated this problem, as well as the local development initiatives that have been implemented to mitigate the problem. Covering a range of topics such as sustainable development and public policy, this book is ideal for policymakers, government officials, practitioners, researchers, academicians, instructors, and students.
Download or read book Microfinance and Poverty Reduction written by Susan Johnson and published by Oxfam. This book was released on 1997 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book emphasizes the importance of studying the local context, and then considering the macroeconomic factors which may be operating upon the economy of a particular country. Five extended case studies, in the Gambia, Ecuador, Mexico, Pakistan, and the UK are examined with reference to further aspects of sustainability and impact assessment.
Download or read book Micro Financing Through Women Self Help Groups and Its Socio Economic Impact A Case Study of Konkan Region of Maharastra written by M. A. Lokhande and published by . This book was released on 2016 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt: Micro finance programmes have been receiving a considerable attention world over for their potential to generate income and employment and alleviate poverty. The experience shows that the micro finance programme has a high degree of out reach to women i.e. 82.67 per cent of the aggregate clients in India in 2010, 73 per cent in Latin America, 70 percent in Africa and 88 percent in Asia. In India, National Bank for Agriculture and Rural Development (NABARD) sponsored SHG-Bank linkage programme is the fastly growing micro finance programme in the world covering 97 million poor households as on 31st March, 2011.The research paper was focused to find out whether micro finance really contributed to the socioeconomic empowerment of group members? To what extent, micro financing through women groups benefited the members? Out of 350 Women groups promoted by Sadbhav Foundation (33 groups), Raigarh district, Manav Sadhan Vikas (25 groups), Kudal, Sindhudurga district and Matru Mandir (19 groups), Ratnagiri district (Maharashtra state, India) 77 (22 percent) were selected. Two members from each group (i.e.154 members) were selected deliberately. After joining the groups, the monthly average income and savings of the respondents had shown increase by 133.73 percent and 76.27 percent respectively. The confidence level of the respondents had increased to a great extent. They had reported active participation in socioeconomic activities. Overall personality index had shown growth of 59.01 percent. It was inferred that micro financing through women self help groups had brought a positive change in the lives of the members. The study concluded that poor, discriminated and underprivileged women if join the groups, can come out of poverty.
