Download or read book Development on Loan written by Nicholas Loubere and published by Transforming Asia. This book was released on 2019 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Key to China's plans to promote rural development is the de-marginalisation of the countryside through the incorporation of rural areas into the urban-based market-oriented financial system. For this reason, Chinese development planners have turned to microcredit -- i.e. the provision of small-scale loans to 'financially excluded' rural households -- as a means of increasing 'financial consciousness' and facilitating rural de-marginalisation. Drawing on in-depth fieldwork in rural China, this book examines the formulation, implementation and outcomes of government-run microcredit programmes in China-illuminating the diverse roles that microcredit plays in local processes of socioeconomic development and the livelihoods of local actors. It details how microcredit facilitates de-marginalisation for some, while simultaneously exacerbating the marginalisation of others; and exposes the ways in which microcredit and other top-down development strategies reflect and reinforce the contradictions and paradoxes implicit in rural China's contemporary development landscape.
Download or read book Micro credit and Rural Development written by Anil Kumar Thakur and published by Deep and Deep Publications. This book was released on 2009 with total page 556 pages. Available in PDF, EPUB and Kindle. Book excerpt: Papers presented at a national conference.
Download or read book Rural Credit and Self Help Groups written by K G Karmakar and published by SAGE Publications Pvt. Limited. This book was released on 1999 with total page 376 pages. Available in PDF, EPUB and Kindle. Book excerpt: Looking to examples in Thailand and Bangladesh, this book enumerates the various factors which have been instrumental in weakening the rural credit agencies set up to relieve rural poverty in developing countries.
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 Women And Microcredit In Rural Bangladesh written by Aminur Rahman and published by Routledge. This book was released on 2019-05-20 with total page 153 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Grameen Bank of Bangladesh has been extending small loans to poor borrowers (primarily women) to promote self-employment and income generation since 1976. The apparent success of the Grameen Bank (that is, recruitment of clients, investment of loans, recovery rates on invested loans and profit margins) has made microcredit a new model for poverty alleviation and sustainable development. Anthropological research results on Grameen Bank lending to women presented in this book, however, illuminates the link between the success of the bank and debt-cycling of borrowers. The priority of earning profits to insure institutional economic viability caused Bank employees at the grassroots level to emphasize increasing the number of loans disbursed and loan recovery. By using the joint liability model of lending, the Bank workers and borrowing peers impose intense pressure on clients for timely repayment. Many borrowers maintain their regular payment schedules, but do so through a process of loan recycling (that is, pay off previous loans with new ones) that considerably increases borrower debt liability. The debt burdens on individual households in turn increase tension and anxiety among household members and produce unintended consequences for many clients.This book examines women borrowers' involvement with the microcredit program of the Grameen Bank, and the grassroots lending structure of the bank; it illustrates the implications of Grameen lending for the borrowers, their household members and bank workers. The focus of the study is on the processes of village-level microcredit operation; it addresses the realities of the day-to-day lives of women borrowers and bank workers and explains informant strategies for involving themselves in this microcredit scheme. The study is on the power dynamics of everyday lives of informants as they affect women borrowers' relationships within the household and the loan centers, and bank worker relationships within the loan center and the bank.
Download or read book The Theory and Practice of Microcredit written by Wahiduddin Mahmud and published by Routledge. This book was released on 2016-10-04 with total page 295 pages. Available in PDF, EPUB and Kindle. Book excerpt: The remarkable speed at which microcredit has expanded around the world in the last three decades has piqued the curiosity of practitioners and theorists alike. By developing innovative ways of making credit available to the poor, the idea of microcredit has challenged many traditional assumptions about both poverty reduction strategies and financial markets. While this has encouraged new theorising about how microcredit works, the practice of microcredit has itself evolved, often in unpredictable ways, outpacing the development of theory. The Theory and Practice of Microcredit aims to remedy this imbalance, arguing that a proper understanding of the evolution of practice is essential both for developing theories that are relevant for the real world and for adopting policies that can better realize the full potential of microcredit. By drawing upon their first-hand knowledge of the nature of this evolution in Bangladesh, the birthplace of microcredit, the authors have pushed the frontiers of current knowledge through a rich blend of theoretical and empirical analysis. The book breaks new grounds on a wide range of topics including: the habit-forming nature of credit repayment; the institutional strength and community-based role of microfinance institutions; the relationships between microcredit and informal credit markets; the pattern of long-term participation in microcredit programmes and the variety of loan use; the scaling up of microenterprises beyond subsistence; the "missing middle" in the credit market; and the prospects of linking micro-entrepreneurship with economic development. The book will be of interest to researchers, development practitioners and university students of Development Economics, Rural Development, or Rural Finance, as well as to public intellectuals.
Download or read book Rural Microfinance and Microenterprise written by Amitabh Bhatnagar and published by Concept Publishing Company. This book was released on 2008 with total page 464 pages. Available in PDF, EPUB and Kindle. Book excerpt: Contributed articles on microfinance and small business in India.
Download or read book Microcredit and Rural Poverty written by M.L. Narasaiah and published by Discovery Publishing House. This book was released on 2006 with total page 198 pages. Available in PDF, EPUB and Kindle. Book excerpt: The founding of financial institutions in the developing countries, whose target groups are supposed to be poorer people and, in particular, income-generating micro, small-scale and medium-sized enterprises, originated in the industrialized nations. Soon after Western development policy began in the 1950s and 1960s the donors noted that investment in infrastructure was insufficient to achieve growth. Reflecting on the experiences of Europe, state or mixedenterprise development banks were founded in many developing countries with the support of various donors. The banks were to promote industrialization as a subsituation for imports, as well as farming, housing construction and regional development. Their common feature was that they combined the characteristics of a bank and a public authority. On the one hand, they managed loan holdings and handled payment transactions, and one the other they prompted development by non-repayable grants. Since these functions each followed a very different logic, the banks were required to undertake a difficult tightrope walk.
Download or read book Microcredit and Poverty Alleviation written by Tazul Islam and published by Routledge. This book was released on 2016-04-22 with total page 229 pages. Available in PDF, EPUB and Kindle. Book excerpt: The attempt of the Grameen Bank to alleviate poverty and enhance the skills and productivity of its rural women clients provides the fascinating backdrop to this important study of micro-credit institutions. Tazul Islam examines the real extent to which the Grameen Bank's credit-alone policy has been successful in securing the Bank's financial sustainability; its practical role in alleviating poverty and its actual impact on the productivity of its clients. This book concludes by considering alternative policy options that hold out the possibility of increased poverty alleviation.
Download or read book Reaching the Poorest written by International Movement ATD Fourth World and published by . This book was released on 1999 with total page 144 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book describes experiences in reaching marginalized communities in situations of chronic poverty, as part of ATD Fourth World & the Permanent Forum on Extreme Poverty in the World. It presents seven case studies (Burkina Faso, Guatemala, Haiti, Canada, Peru, Thailand & Uganda) & the lessons to be learned from them, with each illustrating steps taken, difficulties encountered, entry points found, some success factors & key results obtained.
Download or read book Microcredit for Rural Women written by and published by Nordic Council of Ministers. This book was released on 2001 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Planning and Management of Micro credit for Rural Development written by and published by . This book was released on 2020 with total page 179 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Micro Credit Through Self Help Groups for Rural Development written by Adapa Jyothi and published by LAP Lambert Academic Publishing. This book was released on 2015-01-12 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt: The need for micro finance in India has arisen due to failure of formal banking system in meeting the credit needs of millions of rural and urban people, who constitute poverty or near poverty groups in the country. The banking sector always demands high discipline in collateral security, procedures, repayment schedule, high turnover of clients. Hence they failed to meet the financing need of those struggling to stay alive. It is possible only by making the strategies to increase the scope of activities of micro finance by including food, credit, health, consumption loans, and skill up gradation and education loans. Micro finance is accessing financial services in an informally-formal route, in a flexible, responsive and sensitive manner. Micro finance aims at assisting communities of the economically excluded to achieve greater levels of asset creation and income security at the household and community level. In this study we made an attempt to bring out the complete picture of Microfinance in India. The study is presented in five chapters. This is very useful for the Students, Academicians and Researchers who are in the field of commerce & management and, for the policy makers.
Download or read book Micro finance in Rural Communities in Southern Africa written by Human Sciences Research Council and published by HSRC Publishers. This book was released on 2002 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Integrated Rural Development Program (IRDP) is a core initiative in the W.K. Kellogg Foundation Africa portfolio of programmes, which aims to reduce poverty and improve the quality of life of rural communities. A component of this programme is to help capitalise locally based enterprise development initiatives by stimulating the provision of and access to micro-finance in rural areas. Three sites have been selected to pilot the introduction of this and other IRDP activities. These are: Chimanimani (Zimbabwe), Chimoio (Mozambique) and Nyandeni (South Africa). As part of this initiative , the Human Sciences Research Council (HSRC) based in Pretoria has conducted an evaluation in three key sites of the IRDP to evaluate the implications of implementing a mico-finance scheme in these areas.
Download or read book Micro Credit and Empowerment written by Sreenivas Dadigala and published by LAP Lambert Academic Publishing. This book was released on 2012-03 with total page 356 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book aims to introduce the reader to the vital problem of rural credit facing the country to day. The present pioneering and in-depth study of impact of Microfinance on rural people. The book is an evaluatory study which deals with Socio-economic development of rural population of SHGs and its relevance to microfinance from Formal Financial System. It provides the consolidated picture of latest information about the growth of SHGs, credit provides from MFIs, savings pattern of SHGs, social awareness activities and rural credit structure in rural areas. It also suggests guidelines for the healthy growth and working of rural micro credit system in under developed region. This book, it is hoped, would provide useful information and inputs to the academicians, planner administrators, government and students in the field of microfinance, rural development women empowerment and agricultural economics. It would also serve the researchers and others interested in updating themselves with formulate the latest microfinance policies in modern economic system
Download or read book The Rise and Fall of Global Microcredit written by Milford Bateman and published by Routledge. This book was released on 2018-10-09 with total page 325 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the mid-1980s the international development community helped launch what was to quickly become one of the most popular poverty reduction and local economic development policies of all time. Microcredit, the system of disbursing tiny micro-loans to the poor to help them to establish their own income-generating activities, was initially highly praised and some were even led to believe that it would end poverty as we know it. But in recent years the microcredit model has been subject to growing scrutiny and often intense criticism. The Rise and Fall of Global Microcredit shines a light on many of the fundamental problems surrounding microcredit, in particular, the short- and long-term impacts of dramatically rising levels of microdebt. Developed in collaboration with UNCTAD, this book covers the general policy implications of adverse microcredit impacts, as well as gathering together country-specific case studies from around the world to illustrate the real dynamics, incentives and end results. Lively and provocative, The Rise and Fall of Global Microcredit is an accessible guide for students, academics, policymakers and development professionals alike.
Download or read book The Limits of Micro Credit as a Rural Development Intervention written by James Darius Roth and published by . This book was released on 1997 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
