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Author: Ajay Tankha
Publisher: SAGE Publications Pvt. Limited
ISBN: 9788132109648
Category : Business & Economics
Languages : en
Pages : 0
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Book Description
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.
Author: Ajay Tankha
Publisher: SAGE Publications Pvt. Limited
ISBN: 9788132109648
Category : Business & Economics
Languages : en
Pages : 0
Get Book Here
Book Description
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.
Author: World Health Organization
Publisher:
ISBN: 9789241548052
Category : Medical
Languages : en
Pages : 452
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Book Description
Volume numbers determined from Scope of the guidelines, p. 12-13.
Author: Isabelle Guérin
Publisher:
ISBN:
Category : Microfinance
Languages : en
Pages : 392
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Book Description
Contributed papers presented earlier in a conference.
Author: Sultana Jehan Begum
Publisher: LAP Lambert Academic Publishing
ISBN: 9783846558546
Category :
Languages : en
Pages : 156
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Book Description
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.
Author: Kim Wilson
Publisher: Kumarian Press
ISBN: 1565493397
Category : Political Science
Languages : en
Pages : 257
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Book Description
* 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.
Author: Kumar, Neha
Publisher: Intl Food Policy Res Inst
ISBN:
Category : Political Science
Languages : en
Pages : 53
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Book Description
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.
Author: Ajai Nair
Publisher: World Bank Publications
ISBN:
Category : Microfinance
Languages : en
Pages : 46
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Book Description
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.
Author: National Bank for Agriculture and Rural Development (India)
Publisher:
ISBN:
Category : Agricultural credit
Languages : en
Pages : 32
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Book Description
Author:
Publisher: Hazelden Publishing
ISBN:
Category :
Languages : en
Pages : 28
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Book Description
Author: Mara van den Bold
Publisher: Intl Food Policy Res Inst
ISBN:
Category : Social Science
Languages : en
Pages : 80
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Book Description
Many development programs that aim to alleviate poverty and improve investments in human capital consider womens empowerment a key pathway by which to achieve impact and often target women as their main beneficiaries. Despite this, womens empowerment dimensions are often not rigorously measured and are at times merely assumed. This paper starts by reflecting on the concept and measurement of womens 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 interventionscash transfer programs, agricultural interventions, and microfinance programson womens empowerment, nutrition, or both. Qualitative evidence on conditional cash transfer (CCT) programs generally points to positive impacts on womens 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 womens 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 interventionsspecifically home gardening and dairy projectsshow mixed impacts on womens 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 womens empowerment, evidence is also mixed, although more recent reviews do not find any impact on womens 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.
