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Author:
Publisher: World Bank Publications
ISBN:
Category :
Languages : en
Pages : 34
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Book Description
Author:
Publisher: World Bank Publications
ISBN:
Category :
Languages : en
Pages : 34
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Book Description
Author: Priya Basu
Publisher: World Bank Publications
ISBN: 0821361473
Category : Business & Economics
Languages : en
Pages : 152
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Book Description
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: Sudhansu Kumar Das
Publisher:
ISBN: 9788177083040
Category : Microfinance
Languages : en
Pages : 0
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Book Description
In India, micro finance has emerged as a visible credit channel to the poor, whose access to conventional credit sources is constrained by the requirement of collateral and high transaction costs. Micro finance is routed through self-help groups (SHGs). Over the years, the SHG-bank linkage program has emerged as the major micro finance program. The focus of the SHG-bank linkage program is largely on those rural poor who have no sustainable access to the formal banking system. The target groups, therefore, broadly comprise small and marginal farmers, agricultural and non-agricultural laborers, artisans and craftsmen, and other poor engaged in small businesses-like vending and hawking. For India's rural poor, the program has been providing access to the formal banking system and has achieved several milestones in terms of gender sensitization, empowerment, and poverty alleviation. This book contains research papers which provide deep insights into the role and functioning of micro finance institutions as strategic partners in the empowerment of rural poor in India.
Author: Sanjay Kanti Das
Publisher:
ISBN: 9788177082630
Category : Credit
Languages : en
Pages : 0
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Book Description
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: M.L. Narasaiah
Publisher: Discovery Publishing House
ISBN: 9788183560696
Category : Financial services industry
Languages : en
Pages : 198
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Book Description
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.
Author: Priya Basu
Publisher:
ISBN:
Category : Microfinance
Languages : en
Pages : 44
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Book Description
The paper recommends that, if SHG Bank Linkage is to be scaled-up to offer mass access to finance for the rural poor, then more attention will need to be paid toward the promotion of high quality SHGs that are sustainable, clear targeting of clients, and ensuring that banks linked to SHGs price loans at cost-covering levels. At the same time, the paper argues that, in an economy as vast and varied as India's, there is scope for diverse microfinance approaches to coexist. Private sector microfinanciers need to acquire greater professionalism, and the government can help by creating a flexible architecture for microfinance innovations, including through a more enabling policy, legal, and regulatory framework. Finally, the paper argues that, while microfinance can, at minimum, serve as a quick way to deliver finance to reform these institutions with an eye to improving access for the poor."
Author: M. S. Sriram
Publisher: SAGE Publications Pvt. Limited
ISBN: 9789386062192
Category : Business & Economics
Languages : en
Pages : 0
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Book Description
Inclusive Finance India Report 2016 provides in-depth, well-researched, and well-analyzed evidence on how the financial inclusion agenda has progressed at various levels. The report covers a review of the performance of diverse institutional initiatives working in inclusive finance—banks, specialized banks, self-help groups, and microfinance institutions. It also covers the initiatives in technology that address last-mile delivery as well as provides an overview of new initiatives. The report focuses on a larger landscape of financial inclusion while continuing to report progress on microfinance in mainstream financial inclusion activity. It tracks the growth of financial inclusion across institutional structures and delivery models, provides a better understanding of the complexities of the sector, and contributes and informs the policy development process on inclusive finance. It also informs banks and investors, both national and international; highlights key issues that require the attention of the financial sector and policymakers; highlights the positive impact of the sector; and identifies policy and practice gaps on an annual basis. The report involves participation by the RBI, Ministry of Finance, banks, apex financial institutions, technology service providers, business correspondents, and diverse delivery models. This is the best reference book on the annual trends and progress of the financial inclusion and microfinance sector. It includes data-based analysis of all streams of financial inclusion with the most current information in terms of numbers and developments and is a must read for every practitioner in the financial inclusion value chain.
Author: Amit K. Bhandari
Publisher: Springer
ISBN: 9788132212836
Category : Business & Economics
Languages : en
Pages : 0
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Book Description
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: Amitabh Bhatnagar
Publisher: Concept Publishing Company
ISBN: 9788180695674
Category : Business & Economics
Languages : en
Pages : 464
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Book Description
Contributed articles on microfinance and small business in India.
Author: Dr. Anas Khan
Publisher: Lulu.com
ISBN: 138782015X
Category :
Languages : en
Pages : 182
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Book Description
