EMPOWERING WOMEN STREET VENDORS THROUGH MICRO- FINANCING: A STUDY IN SIVASAGAR TOWN OF ASSAM
|
|
- Laurel Smith
- 5 years ago
- Views:
Transcription
1 114 EMPOWERING WOMEN STREET VENDORS THROUGH MICRO- FINANCING: A STUDY IN SIVASAGAR TOWN OF ASSAM ABSTRACT DR. KUMUD CHANDRA GOSWAMI* *Professor and Head, Department of Commerce, Dibrugarh University, Dibrugarh , Assam, India. The micro-finance is provided for two basic purposes namely-productive purpose and consumption purpose to individuals or to some institutions who are very needy and under/un privilege class.. The big financial institutions are not very much interested to finance such parties on various economic and some non-economic considerations. This gap of formal financial institutions has been fulfilled to a great extent by the micro finance institutions. The microfinancing programme has targeted to the most unprivileged section like tribal, women, BPL family members etc. The street vendors are not financially self sufficient to meet their financial needs for the business; this is more prominent in the case of women street vendors. The study has examined the financing pattern of the women street vendors based on primary data and secondary data. Few women street vendors operating in the Sivasagar Town are selected purposively and data have been collected from them by interview method. All the sample women street vendors get finance from their own source. No other sources are opened for the women street vendors. Bank and other financial institutions hesitated to provide finance to the women street vendors on the ground that they are unable to provide security against credit. The women street vendors have eagerness to save in various schemes of banks and other financial institutions. The banks/mfi/ngo etc should come forward with various financial services to the women street vendors. The Government should take initiative to include women street vendors through its various schemes for financial and non financial needs. There is no doubt that women street vendors are integral part of our society. INTRODUCTION The socio-economic development of the poorest is largely depended on the timely and hassle free financing provided to them. The micro-financing has been recognized as a potential tool for eradicating financial needs of the poorest. The micro-finance is provided for two basic purposes namely-production purpose and consumption purpose. Though production purpose is more desirable, the consumption purpose cannot be denied on simple ground because improvement of health and safety of the poorest cannot be denied. The formal institutions have been targeting the rich section of the society leaving the poorest of the poor. This gap of formal institutions has been fulfilled by micro-finance. In many developing countries the programme of micro financing has already initiated. In Bangladesh the Grameen Bank started its operation since1976 to provide micro credit for women. In India, The self employed women association (SEWA), a trade union registered in the year 1972, has taken initiatives to protect the right of the poor particularly self
2 115 employed women in urban and rural areas by providing various types of services like microcredit, insurance, social security measures through its organisations. The micro-financing programme has targeted to the most unprivileged section like tribal, women etc. The role of a country to develop women capabilities cannot be denied. Empowerment of women capabilities and identity in all aspects in their life have regarded as social responsibility for a nation. They can be empowered socially and economically through micro-finance which includes many types of services like savings, micro-credit, micro insurance, training in relevant areas to increase skills and ability in business. The women street vendors are not financially sound. They are the most neglected part of urban society. They are those women who have no permanent space from where they have been conducting their business. They generally do their business from footpath, parking place, or other places which have other purposes for use. OBJECTIVE The objective of the study is- 1. To study the nature of finance used by the women street vendors and problems faced by them in procuring financial resources. METHODOLOGY The study is based on both primary data and secondary data. Primary data collected with the help of interview schedule and personal interview methods. Secondary data collected from books, journals etc. As the population is undefined, the non-probabilistic method of sampling i.e. Snowball Sampling Method was used to collect data for the study. In Sivasagar town of Assam, data were collected from various roads, in front of parks, temples, hospitals, markets etc. In the study area only a few women street vendors were seen and data have been collected from 50 nos. of women street vendors operating in the Sivasagar Town. For the purpose of analysis of collected data, simple tools like percentage, tabulation etc has been used. DATA ANALYSIS AND INTERPRETATION STATUS OF WOMEN STREET VENDORS: - Status is a significant aspect to understand the mobility of the workforces. Table 1 indicates that the majority of sample women street vendors i.e. 40 (Represent 80%) are from local area while 10 (Represent 20%) are migrated from other states.
3 116 TABLE 1. STATUS OF SAMPLE WOMEN STREET VENDORS Status No. of women street vendors Percentage to total Local % Migrated % TABLE 2. AGE OF SAMPLE WOMEN STREET VENDORS Age No. of women street vendors Percentage to total % % % AGE OF WOMEN STREET VENDORS: - Age of sample women street vendors indicates the working capability for street trading. Street trading is a hard work that requires physical and mental strength to handle the profession. The study revealed that majority of sample included in the age group of 31 to 40 is 30 representing 60% of the sample while there are 10 vendors each in the age group of 20 to 30 and 41 to 50 which is only 20% of the sample. TABLE 3. MARITAL STATUS OF SAMPLE WOMEN STREET VENDORS Situation No. of women street vendors Percentage to total Married % Unmarried 0 0 % MARITAL STATUS OF WOMEN STREET VENDORS: The table indicates that all the sample street vendors are married and earning members of the family. The Table 3 reveals that all the sample women vendors are married.
4 117 TABLE-4. LITERACY LEVEL OF SAMPLE WOMEN STREET VENDORS Literacy level No. of women street vendors Percentage to total Illiterate % Literate % LITERACY LEVEL OF WOMEN STREET VENDORS: Educational qualification is an important aspect for overall development of the people. In the study area majority of vendors are illiterate i.e. 30 nos. (Represent 60 %) of the total sample while 20 of the sample vendors representing 40% read upto class x. This revealed low level of education among the sample women vendors. TABLE 5. INVESTMENT IN BUSINESS OF SAMPLE WOMEN STREET VENDORS Investment (in Rs.) No. of women street vendors Percentage to total < % % > % INVESTMENT IN BUSINESS OF SAMPLE WOMEN STREET VENDORS: Investment in their business indicates that the cost of purchasing of push cart, pull cart, box for displaying of their goods. The table 5 indicates that 10 no (Represent 20 %) sample women vendor invested less than Rs while 20 nos. (Represent 40 %) in each group of vendors i.e to 5000 and >5000. TABLE 6. SALES PATTERN OF SAMPLE WOMEN STREET VENDORS Sales per day (in Rs.) No. of women street vendors Percentage to total < % %
5 118 SALES PATTERN SAMPLE WOMEN STREET VENDORS: The table 6 reveals that the majority of sample vendors sale is less than Rs. 500 i.e. 40 nos. (Represent 80 %) while only 10 vendors (Represent 20 %) sale above Rs This revealed their low earning from their profession. TABLE 7. SOURCES OF FINANCING OF SAMPLE WOMEN STREET VENDORS Situation No. of women street vendors Percentage to total Own source % Private money lender Nil 0 % Borrowed from friends and relatives Nil 0 % Fund from bank/mfi/ngo Nil 0 % NATURE OF FINANCING: Financial need of the street women vendors to start their business and to conduct day to day activities is vital aspect. The table 7 indicates that all sample women street vendors i.e. 50 nos. representing 100 % get finance from the own source. No other sources are opened for the sample women street vendors. The private money lenders charge high rate of interest while funds from friends and relatives are not easily accessible like bank finance. Bank and other financial institutions heisted to provide micro finance to the women street vendors on the ground that they unable to provide security against credit. The initiatives of self employed women association (SEWA) in this regard is an significant consideration though is has not cover all regions of the country. TABLE 8. SAVING OF SAMPLE WOMEN STREET VENDORS Situation No. of women street vendors Percentage to total No saving % Saving %
6 119 SAVING OF SAMPLE WOMEN STREET VENDORS: The women street vendors have eagerness to save in various schemes of banks and other financial institutions. The table 8 revealed that 30 nos. (60 %) samples have deposited in various schemes while 20 nos. (40 %) samples have no account in banks and other financial institutions. This revealed the saving propensity among the women street vendors. CONCLUSION The banks/mfi/ngo etc should come forward with various financial services to the women street vendors. The inclusive growth in all regions and in all sectors cannot be achieved without financing to women. The Government should take initiative to include women street vendors through its various schemes for financial and non financial needs. The setting up of Grameen Bank Branch of Bangladesh in Assam is the indicator of Government s initiatives in this regard. Financial problems can also be eliminated when women street vendors form SHG (Self Help Group) among them and lend funds as and when necessary to its member. The women street vendors are integral part of our society. They have to skilfully manage by the authority to survive in a competitive environment not to be eradicated them. So, the need for financing to this sector cannot be over emphasised. REFERENCES Dharmaraj, D, Informal Sector in India, Abhijeet Publication, Delhi (2007) Goswami, Kumud Ch. and Borgohain Kauranga, A Study of the Street Vendors (Entrepreneurs) with special reference to Dibrugarh Town, Collection of seminar papers of UGC SPONSORED SEMINAR ON ENTREPRENEURSHIP DEVELOPMENT-A KEY ISSUE FOR SOCIO-ECONOMIC GROWTH organised by Gauhati Commerce College, Guwahati on 10 th March,2008. Lazar Danial and Palanichamy P, Micro Finance and Poverty Eradication, Indian & Global Experiences, New Century Publications, New Delhi, (2008) Mali, D.D., Promoting Entrepreneurship Lessons from India s North East, Speed Publications, Assam, (2005) Jeffrey D. Mason, Street Fairs: Social Space, Social Performance. Theatre Journal, Vol.48, No.3, Enacting America(n)s (Oct.,1996), pp Accessed: 01/09/ :00 Yvonne V. Jones: Street Peddlers As Entrepreneurs: Economic Adaptation To An Urban Area. Ban Anthropology and Studies of Cultural Systems and World Economic Development, Vol.17, No.2/3, Black Folks In Cities Here and There: Changing Patterns of Domonation and Response (Summer-Fall, 1988), pp Accessed: 01/09/ :16
WOMEN EMPOWERMENT THROUGH SELF HELP GROUPS : A STUDY IN COIMBATORE DISTRICT
Available online at : http://euroasiapub.org/current.php?title=ijrfm, pp. 36~43 Thomson Reuters Researcher ID: L-5236-2015 WOMEN EMPOWERMENT THROUGH SELF HELP GROUPS : A STUDY IN COIMBATORE DISTRICT Dr.
More informationwww. epratrust.com Impact Factor : p- ISSN : e-issn : January 2015 Vol - 3 Issue- 1
www. epratrust.com Impact Factor : 0.998 p- ISSN : 2349-0187 e-issn : 2347-9671 January 2015 Vol - 3 Issue- 1 ROLE AND IMPACT OF MICROFINANCE ON WOMEN SELF HELP GROUPS (SHGS) WITH SPECIAL REFERENCE TO
More informationAfrican Journal of Hospitality, Tourism and Leisure Vol. 1 (3) - (2011) ISSN: Abstract
African Journal of Hospitality, Tourism and Leisure Vol. 1 (3) - (2011) ISSN: 1819-2025 Micro-Women Entrepreneurship and its potential for hospitality and tourism related enterprises amongst others: a
More informationA Case Study on Women Empowerment and Financial Literacy through SHGs
Available online at : http://euroasiapub.org, pp~295~301, Thomson Reuters ID: L-5236-2015 A Case Study on Women Empowerment and Financial Literacy through SHGs Dr. Pradipta Banerjee 1, Assistant Professor,
More informationThe Role Of Micro Finance In Women s Empowerment (An Empirical Study In Chittoor Rural Shg s) In A.P.
The Role Of Micro Finance In Women s Empowerment (An Empirical Study In Chittoor Rural Shg s) In A.P. Dr. S. Sugunamma Lecturer in Economics, P.V.K.N. Govt College, Chittoor Abstract: The SHG method is
More informationWOMEN ENTREPRENEURSHIP IN UNORGANISED SECTOR
Continuous issue-24 April May 2016 WOMEN ENTREPRENEURSHIP IN UNORGANISED SECTOR ABSTRACT The socioeconomic transformation of Indian society in the present century and especially in the postindependence
More informationImpact of SHGs on the Upliftment of Rural Women: An Economic Analysis
EUROPEAN ACADEMIC RESEARCH Vol. II, Issue 9/ December 2014 ISSN 2286-4822 www.euacademic.org Impact Factor: 3.1 (UIF) DRJI Value: 5.9 (B+) Impact of SHGs on the Upliftment of Rural Women: An Dr. RAJANI
More informationWOMEN ENTREPRENEURSHIP DEVELOPMENT THROUGH POVERTY ALLEVIATION SCHEMES: A CASE STUDY
Vol. 6 No. 2 March 2018 ISSN: 2319-961X Vol. 6 No. 2 March 2018 ISSN: 2319-961X UGC Approval No: 44192 Impact Factor: 3.104 WOMEN ENTREPRENEURSHIP DEVELOPMENT THROUGH POVERTY ALLEVIATION SCHEMES: A CASE
More informationEmpowering Women Through Micro Finance- A Nbfc Approach
IOSR Journal of Business and Management (IOSR-JBM) e-issn: 2278-487X, p-issn: 2319-7668. Volume 20, Issue 9. Ver. V (September. 2018), PP 18-26 www.iosrjournals.org Empowering Women Through Micro Finance-
More informationMOTIVATIONAL FACTORS AMONG TRIBAL WOMEN FOR JOINING SELF HELP GROUPS IN DHARMAPURI DISTRICT
International Journal of Research in Social Sciences Vol. 8 Issue 9, September 2018, ISSN: 2249-2496 Impact Factor: 7.081 Journal Homepage: Double-Blind Peer Reviewed Refereed Open Access International
More informationWorld Review of Entrepreneurship, Management and Sust. Development, Vol. 1, No. 1,
World Review of Entrepreneurship, Management and Sust. Development, Vol. 1, No. 1, 2005 91 Micro credit in India: an overview Mohanan Sankaran Faculty of Economics and Business Administration, Department
More informationSai Om Journal of Commerce & Management A Peer Reviewed International Journal
Volume 3, Issue 3 (March, 2016) Online ISSN-2347-7571 Published by: Sai Om Publications A STUDY ON FINANCIAL INCLUSION AMONG KUDUMBASREE MEMBERS WITH SPECIAL REFERENCE TO VILLIAPPALLY PANCHAYAT IN CALICUT
More informationImpact of Microfinance on Indebtedness to Informal Sources among Clients of Microfinance Models in Palakkad
Impact of Microfinance on Indebtedness to Informal Sources among Clients of Microfinance Models in Palakkad Deepa Viswan Research Scholar, Department of Commerce and Management Studies University of Calicut
More informationROLE OF RRB IN RURAL DEVELOPMENT. G.K.Lavanya, Assistant Professor, St.Joseph scollege
ROLE OF RRB IN RURAL DEVELOPMENT G.K.Lavanya, Assistant Professor, St.Joseph scollege ABSTRACT: The importance of the rural banking in the economic development of a country cannot be overlooked. The objective
More informationAnalysis on Determinants of Micro-Credit Borrowings Rural SHG Women in North Coastal Andhra Pradesh
Analysis on Determinants of Micro-Credit Borrowings Rural SHG Women in North Coastal Andhra Pradesh M. Madhuri Dept. of Commerce and Management Studies, Andhra University, Visakhapatnam, Andhra Pradesh
More informationMICROFINANCE PERCEPTION A STUDY WITH SPECIAL REFERENCE TO SALALAH, SULTANATE OF OMAN
49 ABSTRACT MICROFINANCE PERCEPTION A STUDY WITH SPECIAL REFERENCE TO SALALAH, SULTANATE OF OMAN DR. M. KRISHNA MURTHY*; S.VARALAKSHMI** *Salalah College of Technology, Department of Business Studies,
More informationDr. A.S.Shiralashetti Assistant Professor, Dept. of Commerce, Karnatak University, Dharwad-03.
AWARENESS LEVEL TOWARDS GOVERNMENT SCHEMES - A STUDY OF WOMEN ENTREPRENEURS OF NORTH KARNATAKA DISTRICTS. (PART OF UGC SUPPORTED MAJOR RESEARCH PROJECT) Dr. A.S.Shiralashetti Assistant Professor, Dept.
More informationA STUDY ON THE WOMEN DEVELOPMENT AND THE GROWTH OF MICROFINANCE IN TIRUPUR CITY. Principal, Tirupur Kumaran College for Women, Tirupur.
INTERCONTINENTAL JOURNAL OF MARKETING RESEARCH REVIEW A STUDY ON THE WOMEN DEVELOPMENT AND THE GROWTH OF MICROFINANCE IN TIRUPUR CITY U. GOMATHI 1 Dr. RACHEL NANC PHILIP 2 1 Associate Professor in Commerce,
More informationA Study On Micro Finance And Women Empowerment In Thanjavur District
Original Paper Volume 2 Issue 8 April 2015 International Journal of Informative & Futuristic Research ISSN (Online): 2347-1697 A Study On Micro Finance And Women Paper ID IJIFR/ V2/ E8/ 020 Page No. 2636-2643
More informationQuestions/Concerns regarding PAT CDP through Microcredit proposal
Questions/Concerns regarding PAT CDP through Microcredit proposal 1) In the proposal, it says - almost all our 35000 target members in Ariyalur, Trichy and Tanjore Districts in TamilNadu... What kind of
More informationMicro Finance and Poverty Alleviation: An Analysis with SHGS Contribution
Micro Finance and Poverty Alleviation: An Analysis with SHGS Contribution P.BALAMURUGAN Research Staff, ICSSR Sponsored Major Research Project, Gobi Arts & Science College, Gobichettipalayam Tamil Nadu
More informationSIGNIFICANCE OF KUDUMBASREE MISSON KERALA AS A MICRO FINANCE PROGRAMME
Continuous Issue-30 June July 2017 Abstract SIGNIFICANCE OF KUDUMBASREE MISSON KERALA AS A MICRO FINANCE PROGRAMME The micro finance programme was first initiated in Bangladesh in 1976 with the promise
More informationEradication of Poverty and Women Empowerment A study of Kudumbashree Projects in Ernakulum District of Kerala, India
Eradication of Poverty and Women Empowerment A study of Kudumbashree Projects in Ernakulum District of Kerala, India Taramol K.G., Manipal University, Faculty of Management, Dubai, UAE. Email: taramol.kg@manipaldubai.com
More informationSelf-Help Groups Catalyst to Financial Inclusion of Rural Women A Case Study of Dakshina Kannada District, Karnataka.
Self-Help Groups Catalyst to Financial Inclusion of Rural Women A Case Study of Dakshina Kannada District, Karnataka. Mr. Ramakrishna B *Research Scholar, GITAM Institute of Management, GITAM University,
More informationIndian microfinance: lessons from Bangladesh
MPRA Munich Personal RePEc Archive Indian microfinance: lessons from Bangladesh Debnarayan Sarker Centre for Economic Studies, Department of Economics, Presidency College, Kolkata, India 2008 Online at
More informationFINANCIAL LITERACY: AN INDIAN SCENARIO
ABSTRACT FINANCIAL LITERACY: AN INDIAN SCENARIO DEAN ROY NASH* *Research Associate in Commerce, Saint Albert s College, Ernakulam, Kerala, India. Financial literacy is nothing but knowledge about finance.
More informationSocio-economic condition of self-help groups beneficiaries: A case study of block Sirsa
International Journal of Advanced Research and Development ISSN: 2455-4030 Impact Factor: RJIF 5.24 www.advancedjournal.com Volume 2; Issue 6; November 2017; Page No. 334-338 Socio-economic condition of
More informationSignificance of microfinance institutions in rural development of India
International Letters of Social and Humanistic Sciences Online: 2014-02-08 ISSN: 2300-2697, Vol. 21, pp 84-90 doi:10.18052/www.scipress.com/ilshs.21.84 2014 SciPress Ltd., Switzerland Significance of microfinance
More informationMicrofinance: A Tool of Poverty Alleviation with Bank Linkage Programme in Himachal Pradesh
Microfinance: A Tool of Poverty Alleviation with Bank Linkage Programme in Himachal Pradesh - Mr. Rishi Kant * - Mr. Suyash Mishra ** - Ms. Swati Singh *** Abstract Microfinance sector has traversed a
More informationA Peer Reviewed International Journal of Asian Research Consortium AJRBF:
ABSTRACT A Peer Reviewed International Journal of Asian Research Consortium : ASIAN JOURNAL OF RESEARCH IN BANKING AND FINANCE FINANCIAL INCLUSION AND ROLE OF MICROFINANCE DR. MUKUND CHANDRA MEHTA* *Assistant
More informationStandard Fireworks Rajaratnam,College for Women, Sivakasi,
International Journal of Research in Social Sciences Vol. 7 Issue 4, April 2017, ISSN: 2249-2496 Impact Factor: 7.081 Journal Homepage: Double-Blind Peer Reviewed Refereed Open Access International Journal
More informationA Study On Socio-Economic Condition Of Self Help Group Members At Village Warishpur, West Bengal
A Study On Socio-Economic Condition Of Self Help Group Members At Village Warishpur, West Bengal Badsha Pal M.A. in Geography, NET Qualified, Assistant Teacher of Aurangabad High School (H.S.), West Bengal
More informationA Case Study on Socio - Economic Conditions of Agricultural Labourers in Idaikal Village in Tirunelveli District. Dr. T.
Volume: 3; No: 2; June-2017. pp 256-264. ISSN: 2455-3921 A Case Study on Socio - Economic Conditions of Agricultural Labourers in Idaikal Village in Tirunelveli District Dr. T. Vijayanthi Assistant Professor
More informationSATISFACTION OF WORKING WOMEN POLICYHOLDERS ON THE SERVICES OF LIC
SATISFACTION OF WORKING WOMEN POLICYHOLDERS ON THE SERVICES OF LIC Dr. M.Akilanayaki* and Dr.R.Gopi** *Assistant Professor of Commerce, NGM College, Pollachi, Tamil Nadu, India. **Assistant Professor of
More informationINITIATIVES OF KERALA TOWARDS FINANCIAL INCLUSION
INITIATIVES OF KERALA TOWARDS FINANCIAL INCLUSION Nirmal Sabu, Research Scholar, Department of Commerce, St. Thomas College, Pala, Kerala, India. Dr. Deepu Jose Sebastian, Associate Professor and Guide,
More informationINTERCONTINENTAL JOURNAL OF FINANCE RESEARCH REVIEW
ROLE OF MICROFINCE EMPOWER WOMEN THROUGH SELF HELP GROUPS IN TAMILNADU Dr.S.RAJA 1 M.ANNAM 2 1 Associate Professor, PG Department of Commerce& Research Centre, Vevekananda College, Tiruvendakam West, Madurai,
More informationMAHATMA GANDHI NATIONAL RURAL EMPLOYMENT GUARANTEE ACT (MGNREGA): A TOOL FOR EMPLOYMENT GENERATION
DOI: 10.3126/ijssm.v3i4.15974 Research Article MAHATMA GANDHI NATIONAL RURAL EMPLOYMENT GUARANTEE ACT (MGNREGA): A TOOL FOR EMPLOYMENT GENERATION Lamaan Sami* and Anas Khan Department of Commerce, Aligarh
More informationWomen empowerment and micro finance : Case study from Kerala
MPRA Munich Personal RePEc Archive Women empowerment and micro finance : Case study from Kerala M B DHANYA and P SIVAKUMAR University Of Kerala 23. September 2010 Online at http://mpra.ub.uni-muenchen.de/25337/
More informationE- ISSN X ISSN MICRO FINANCE-AN IMPERATIVE FOR FINANCIAL INCLUSION IN INDIA
MICRO FINANCE-AN IMPERATIVE FOR FINANCIAL INCLUSION IN INDIA Dr.K.Jayalakshmi PDF(ICSSR),Dept. of Commerce,S.K.University, Anantapur. Andhra Pradesh. Abstract Financial inclusion is a flagship programme
More informationPERFORMANCE OF LEAD BANK SCHEME IN VIRUDHUNAGAR DISTRICT OF TAMILNADU
PERFORMANCE OF LEAD BANK SCHEME IN VIRUDHUNAGAR DISTRICT OF TAMILNADU A.Surendran 1 and Dr. B.Manoharan 2 1 Assistant Professor in Commerce, Rajapalayam Rajus College, Rajapalayam Email: surendran.ayyan@gmail.com
More informationMicrofinance: Coping Up with Emerging Banking Needs
Microfinance: Coping Up with Emerging Banking Needs Smt. Hiral Trivedi 2-A, Bhagyoday Society, City ring road, Nr. Talaja Jagat naka, Bhavnagar. Received Feb. 16, 2015 Accepted March. 01, 2015 ABSTRACT
More informationASIAN JOURNAL OF MANAGEMENT RESEARCH Online Open Access publishing platform for Management Research
ASIAN JOURNAL OF MANAGEMENT RESEARCH Online Open Access publishing platform for Management Research Copyright 2010 All rights reserved Integrated Publishing association Case study ISSN 2229 3795 Women
More informationA STUDY ON STATUS OF AWARENESS AMONG MUTUAL FUND INVESTORS IN TAMILNADU
A STUDY ON STATUS OF AWARENESS AMONG MUTUAL FUND INVESTORS IN TAMILNADU G. PRATHAP PhD Research Scholar, Dept. of Business Administration, Annamalai University, Annamalai Nagar Dr. A. RAJAMOHAN Professor,
More informationJournal of Global Economics
$ Journal of Global Economics Research Article Journal of Global Economics Selvaraj, J Glob Econ 2016, 4:4 DOI: OMICS Open International Access Impact of Micro-Credit on Economic Empowerment of Women in
More informationDetermiants of Credi Gap and Financial Inclusion among the Borrowers of Tribal Farmers. * Sudha. S ** Dr. S. Gandhimathi
Determiants of Credi Gap and Financial Inclusion among the Borrowers of Tribal Farmers * Sudha. S ** Dr. S. Gandhimathi * Research Scholar, Department of Economics, Avinashilingam Institute for Home Science
More informationManagement of Non-Performing Assets in Thoothukudi Pandyan Grama Bank in Thoothukudi District
International Journal Scientific and Research Publications, Volume 5, Issue 6, June 2015 1 Management Non-Performing Assets in Thoothukudi Pandyan Grama Bank in Thoothukudi District Dr. D.Rathi Assistant
More informationMICROFINANCE: ITS EVOLUTION AND VARIOUS MODELS FOR ENPOWERMENT OF RURAL POOR IN INDIA
MICROFINANCE: ITS EVOLUTION AND VARIOUS MODELS FOR ENPOWERMENT OF RURAL POOR IN INDIA * Mrs. Ghousia Shameen, Assistant Prof., Millennium Institute of Management, Aurangabad. INTRODUCTION: The major concern
More informationAWARENESS OF FINANCIAL PRODUCTS AMONG RURAL HOUSEHOLDS IN SRIKAKULAM DISTRICT, ANDHRA PRADESH
Asia Pacific Journal of Research Vol: I Issue XX, December 04 ISSN: 30-5504, E-ISSN-34-493 AWARENESS OF FINANCIAL PRODUCTS AMONG RURAL HOUSEHOLDS IN SRIKAKULAM DISTRICT, ANDHRA PRADESH Dr. T.V.V. Phani
More informationAssessing The Financial Literacy Level Among Women in India: An Empirical Study
Assessing The Financial Literacy Level Among Women in India: An Empirical Study Bernadette D Silva *, Stephen D Silva ** and Roshni Subodhkumar Bhuptani *** Abstract Financial Inclusion cannot be achieved
More informationBanking Sector In India
Tactful Management Research Journal Vol. 1, Issue. 1, Oct 2012 ORIGINAL ARTICLE ISSN :2319-7943 Banking Sector In India B. H. Damji Dept of Economics, D.B.F.Dayanand College of Arts & Sci., SOLAPUR Abstract:
More informationA STUDY OF FINANCIAL PERFORMANCE: A COMPARATIVE ANALYSIS OF STATE BANK OF INDIA AND ICICI BANK
A STUDY OF FINANCIAL PERFORMANCE: A COMPARATIVE ANALYSIS OF STATE BANK OF INDIA AND BANK Chahat Gupta, Assistant Professor, G.G.S. College for Women, Chandigarh, India Amandeep Kaur, Assistant Professor,
More informationStatus of Satisfaction Level for Saving & Credit Activities amongst Clients of Sewa Bank
13 Status of Satisfaction Level for Saving & Credit Activities amongst Clients of Sewa Bank Dr. Sneha S. Shukla, Associate Prof. N. R. Institute of Business Management Microfinance in India is approaching
More informationMICRO FINANCE: A TOOL FOR SELF EMPLOYMENT WITH SPECIAL REFERENCE TO RURAL POOR
MICRO FINANCE: A TOOL FOR SELF EMPLOYMENT WITH SPECIAL REFERENCE Dr. Babaraju K. Bhatt* Ronak A. Mehta** TO RURAL POOR Abstract: Indian population comprises roughly one sixth of the world s population.
More informationIJEMR - May Vol.2 Issue 5 - Online - ISSN Print - ISSN
Role of Public Sector Banks in Microfinance - A Study of Public Sector Banks in the Southern Region of India * Dr. Sujatha Susanna Kumari. D Asst. Professor, Dept. of Commerce, School of Business Studies,
More informationSAMRUDHI Micro Fin Society (SMS) Brief Profile
SAMRUDHI Micro Fin Society (SMS) Brief Profile 1 The Problem Sixty percent of the population in India lives below poverty line and they suffers from high rates of hunger and malnutrition. To cope with
More informationA Role of Joint Liability Group (JLG) in Rural Area: A Case Study of Southern Region of India
Euro-Asian Journal of Economics and Finance ISSN: 2310-0184(print) ISSN: 2310-4929 (online) Volume: 2, Issue: 1(January 2014), Pages: 13-20 Academy of Business & Scientific Research http://www.absronline.org/journals
More informationEmployment and Income Generation in Informal Sector: A Case of Street Vendors of Kathmandu Nepal
Employment and Income Generation in Informal Sector: A Case of Street Vendors of Kathmandu Nepal Dipak Bahadur Adhikari Patan Multiple Campus, Tribhuvan University, Nepal Email:dipakadhikari10@yahoo.com
More informationSHGs and Rural Development (A Study in Udaipur District)
Page31 SHGs and Rural Development (A Study in Udaipur District) Dr. Neeti Mathur* and Mr. Himanshu Mathur** *Assistant Professor, Department of Accounting& Finance, Adamas University, Barasat, Kolkata
More informationSaving and Investment Pattern of College Teachers
ISSN(Print) 9-00 ISSN (Online)-58 DOI : 0.88/ijms/v5i()/0 DOI URL :http://dx.doi.org/0.88/ijms/v5i()/0 Saving and Investment Pattern of College Teachers M. Nallakannu, Research Scholar Manonmaniam Sundaranar
More informationPERFORMANCE OF KARNATAKA VIKAS GRAMEENA BANK IN DEPOSIT MOBILISATION AN ANALYSIS
Volume 7, Issue 3 (March, 2018) UGC APPROVED Online ISSN-2277-1166 Published by: Abhinav Publication Abhinav National Monthly Refereed Journal of Research in PERFORMANCE OF KARNATAKA VIKAS GRAMEENA BANK
More informationIJMT Volume 2, Issue 8 ISSN:
Women Entrepreneurship Development through SHG in Latur District Dr. P.N. Sagar* Prof. Dhananjay Gaikwad** Abstract: The Self Help Groups (SHG) Strategy is one of the instruments for empowerment of women
More informationROLE OF MICROFINANCE TO REDUCTION UNEMPLOYMENT IN INDIAN ECONOMY
Inspira- Journal of Modern Management & Entrepreneurship (JMME) 354 ISSN : 2231 167X, General Impact Factor : 2.5442, Volume 08, No. 02, April, 2018, pp. 354-358 ROLE OF MICROFINANCE TO REDUCTION UNEMPLOYMENT
More informationAN ANALYSIS OF SAVING PROCESS OF SELF HELP GROUPS IN HARYANA
Available online at : http://euroasiapub.org/current.php?title=ijrfm, pp. 125~131 ISSN(o): 2231-5985 Impact Factor: 5.861 Thomson Reuters ID: L-5236-2015 AN ANALYSIS OF SAVING PROCESS OF SELF HELP GROUPS
More informationROLE OF MAHARASHTRA GRAMIN BANK IN RURAL DEVELOPMENT
ROLE OF MAHARASHTRA GRAMIN BANK IN RURAL DEVELOPMENT * Dr. H. W. Kulkarni, HOD & Research Guide in Commerce, Shivaji Mahavidyalaya, Udgir Dist. Latur. INTRODUCTION: Developing the rural economy by providing
More informationWomen empowerment through microfinance: A case study of women in self help group of Uthangarai Taluk in Krishnagiri district Tamilnadu
International Multidisciplinary Research Journal 2011, 1(2):31-35 ISSN: 2231-6302 Available Online: http://irjs.info/ Women empowerment through microfinance: A case study of women in self help group of
More informationEducation and Employment Status of Dalit women
Volume: ; No: ; November-0. pp -. ISSN: -39 Education and Employment Status of Dalit women S.Thaiyalnayaki PhD Research Scholar, Department of Economics, Annamalai University, Annamalai Nagar, India. Abstract
More informationRole of Financial Institutions in Promoting Microfinance through SHG Bank Linkage Programme in India
Volume 10 Issue 4, October 2017 Role of Financial Institutions in Promoting Microfinance through Bank Linkage Programme in India Dr. Manpreet Arora Assistant Professor Department of Accounting and Finance
More informationSTRUCTURE AND FUNCTIONING OF SELF HELP GROUPS IN PUNJAB
Indian J. Agric. Res., 41 (3) : 157-163, 2007 STRUCTURE AND FUNCTIONING OF SELF HELP GROUPS IN PUNJAB V. Randhawa and Sukhdeep Kaur Mann Department of Extension Education, Punjab Agricultural University,
More informationSocial Sector Scenario of India after the Economic Reforms (T. Maheswari, Asst. Professor in Economics, Lady Doak College, Madurai, Tamil Nadu)
Social Sector Scenario of India after the Economic Reforms (T. Maheswari, Asst. Professor in Economics, Lady Doak College, Madurai, Tamil Nadu) Introduction Social sector comprising of sub-sectors like
More informationROLE OF MUTUAL FUND IN THE RURAL HOUSEHOLDS (SCHEME PREFERENCE AND PERIOD OF INVESTMENT)
ROLE OF MUTUAL FUND IN THE RURAL HOUSEHOLDS (SCHEME PREFERENCE AND PERIOD OF INVESTMENT) Dr.S.Sudalaimuthu Reader, Department of Banking Technology, School of Management, Pondicherry University, Puducherry-605014,
More informationSocio-Economic Status Of Rural Families: With Special Reference To BPL Households Of Pauri District Of Uttarakhand
IOSR Journal Of Humanities And Social Science (IOSR-JHSS) Volume 22, Issue 6, Ver. 2 (June. 2017) PP 16-20 e-issn: 2279-0837, p-issn: 2279-0845. www.iosrjournals.org Socio-Economic Status Of Rural Families:
More informationPOLICYHOLDERS AWARENESS ON SBI LIFE INSURANCE PLANS IN COIMBATORE DISTRICT
Shanlax International Journal of Commerce Vol. 5 No. 4 October 2017 ISSN: 2320-4168 UGC Approval No: 44120 Impact Factor: 3.017 POLICYHOLDERS AWARENESS ON SBI LIFE INSURANCE PLANS IN COIMBATORE DISTRICT
More informationMICRO-CREDIT: A REALITY CHECK Sreyashi Sen
MICRO-CREDIT: A REALITY CHECK Sreyashi Sen CCS Working Paper No. 203 Summer Research Internship Programme 2008 Centre for Civil Society Table of Contents I. Introduction..3 II. Overview of micro credit.4
More informationIMPACT OF MICRO FINANCE ON POVERTY ALLEVIATION
Journal of Management (JOM) Volume 5, Issue 4, July August 2018, pp. 278 286, Article ID: JOM_05_04_029 Available online at http://www.iaeme.com/jom/issues.asp?jtype=jom&vtype=5&itype=4 Journal Impact
More informationInvestment Pattern of Working Women in Dindigul District
EUROPEAN ACADEMIC RESEARCH Vol. II, Issue 7/ October 2014 ISSN 2286-4822 www.euacademic.org Impact Factor: 3.1 (UIF) DRJI Value: 5.9 (B+) Investment Pattern of Working Women in Dindigul District Dr. N.
More informationPerformance of Self-help Groups in Micro Finance
Economic Affairs, Vol. 6, No. 4, pp. 609-6, December 06 DOI: 0.5958/0976-4666.06.00075.9 06 New Delhi Publishers. All rights reserved Performance of Self-help Groups in Micro Finance Vanita Khobarkar,
More informationInternational Journal of Business and Administration Research Review, Vol. 1 Issue.11, July - Sep, Page 42
MICRO FINANCE IN INDIA: CHALLENGES Meenakshi,* Shweta Bathla** *Department of commerce, Arya P.G. College, Panipat, Haryana, India. **Department of commerce, Arya P.G. College, Panipat, Haryana, India.
More informationAn Overview of Insurance Services in Nepal
An Overview of Insurance Services in Nepal Prof. Dr. Puspa Raj Sharma The present scenario of micro (finance and insurance) seems a lot of uncertainty. Naturally uncertainty gives birth to risk. Therefore,
More informationImplementation of MGNREGA in Assam: An Evaluation in Two Gram Panchayats of Lakhimpur District
Implementation of MGNREGA in Assam: An Evaluation in Two Gram Panchayats of Lakhimpur District Principal Author: Dr. Suresh Dutta Associate Professor & Head Department of Economics North Lakhimpur College,
More informationEmpowerment and Microfinance: A socioeconomic study of female garment workers in Dhaka City
J. Bangladesh Agril. Univ. 11(1): 125 132, 23 ISSN 183030 Empowerment and Microfinance: A socioeconomic study of female garment workers in Dhaka City M. A. Rahman*, M. Khatun, Z. Tasnim and N. Islam Department
More informationFinancial Inclusion and Employment Generation of Rural Women Empowerment Thorough Self Help Groups- A Case Study Of Satna District
Financial Inclusion and Employment Generation of Rural Women Empowerment Thorough Self Help Groups- A Case Study Of Satna District Ritwik Sahai Bisariya Introduction Financial inclusion is the delivery
More informationEOCNOMICS- MONEY AND CREDIT
EOCNOMICS- MONEY AND CREDIT Banks circulate the money deposited by customers in the banks by lending it out to businesses at a rate of interest as a credit, which then acts as the income of the bank....
More informationKeywords: Policyholders Satisfaction And Awareness, Lic`S Services, Products Of Lic Of India Risk Coverage Claim And Settlement.
A STUDY ON SATISFACTION POLICY HOLDERS TOWARDS THE PRODUCTS OF LIFE INSURANCE CORPORATION OF INDIA, SALEM DISTRICT Dr. C. Manikanda Muthukumar* R. D. Geetha** *Assistant Professor and Research Supervisor,
More informationIMPACT OF MICROFINANCE AND WOMEN EMPOWERMENT - AN ANALYSIS WITH REFERENCE TO BENGALURU RURAL DISTRICT. Dr. Kalaivani K. N., Assistant Professor
IMPACT OF MICROFINANCE AND WOMEN EMPOWERMENT - AN ANALYSIS WITH REFERENCE TO BENGALURU RURAL DISTRICT Prof. F. Arockia Doss, Research Scholar, Bharathiar University, Coimbatore, Tamil Nadu, India Dr. Kalaivani
More informationRole of Independent Variables on Investment Decision of Equity Retail Investors
Role of Independent Variables on Investment Decision of Equity Retail Investors P. V. Durga Rao Research Scholar Department of Commerce & Business Administration Acharya Nagarjunan University Nagarjuna
More informationIndian Regional Rural Banks Growth and Performance
Indian Regional Rural Banks Growth and Performance Syed Mahammad Ghouse ghouse.marium@gmail.com Narayana Reddy tnreddy.jntua@gmail JNTU College of Engineering Regional rural Banks play a vital role for
More informationBANKING WITH THE POOR
BANKING WITH THE POOR - Self Help Group Approach in India. by Ashok Kumar Valaboju M.Sc (Agric.), MBA, CAIIB Senior Branch Manager, Andhra Bank, Gurazala branch, Guntur Dist AP- India India has been fast
More informationAn attempt was made to study the socio-economic
Inno Space (SJIF) Impact Factor : 4.618(Morocco) e-issn : 2347-9671, p- ISSN : 2349-0187 Vol - 3, Issue- 6, June 2015 ISI Impact Factor : 1.259 (Dubai, UAE) A SOCIO-ECONOMIC UNDERSTANDING OF MEMBERS OF
More informationScholars Journal of Arts, Humanities and Social Sciences
DOI: 10.21276/sjahss.2016.4.6.11 Scholars Journal of Arts, Humanities and Social Sciences Sch. J. Arts Humanit. Soc. Sci. 2016; 4(6B):686-699 Scholars Academic and Scientific Publishers (SAS Publishers)
More informationImpact of Micro Credit on Social Empowerment of Women in Madurai District - Tamil Nadu, A Study
Impact of Micro Credit on Social Empowerment of Women in Madurai District - Tamil Nadu, A Study Dr.N. SELVARAJ Assistant Professor of Commerce, Saraswathi Narayanan College, Madurai, Tamilnadu, India Abstract
More informationA study on the performance of SHG-Bank Linkage Programme towards Savings and Loan disbursements to beneficiaries in India
A study on the performance of SHG-Bank Linkage Programme towards Savings and to beneficiaries in India Prof. Noorbasha Abdul, Ph.D. Professor of Commerce & Management, Acharya Nagarjuna University, Nagarjuna
More informationIntroduction. Poverty
Unit 4 Poverty Introduction In previous chapters, you have studied the economic policies that India has taken in the last five and a half decades and the outcome of these policies with relation to the
More informationISSN: International Journal of Advances in Management and Economics Available online at
ISSN: 2278-3369 International Journal of Advances in Management and Economics Available online at www.managementjournal.info RESEARCH ARTICLE Microfinancing for Poverty Reduction: An Empirical Study of
More informationROLE OF BUSINESS CORRESPONDENTS IN BANKING SECTOR ACTIVITIES
ROLE OF BUSINESS CORRESPONDENTS IN BANKING SECTOR ACTIVITIES K.Subha, Research Scholar, Alagappa Institute of Management, Alagappa University Karaikudi Abstract The RBI has permitted banks to use the services
More informationA study to understand the saving pattern and credit needs of the tribal families of Maharashtra and Gujarat State of India
A study to understand the saving pattern and credit needs of the tribal families of Maharashtra and Gujarat State of India Abstract Veena Halwe BAIF Development Research Foundation Poor households face
More informationFinancial Inclusion in India: The Role of Microfinance as a Tool
Financial Inclusion in India: The Role of Microfinance as a Tool Jagadeesh B* Assistant Professor Department of Commerce Field Marshal K.M Cariappa College, Madikeri, Kodagu Abstract Microfinance has assumed
More informationFINANCIAL EMPOWERMENT: THE NEED TO DEVELOP A MORE RESPONSIVE, PRO-POOR STRATEGY IN FINANCING A SUSTAINABLE LINKAGE IN NIGERIA
FINANCIAL EMPOWERMENT: THE NEED TO DEVELOP A MORE RESPONSIVE, PRO-POOR STRATEGY IN FINANCING A SUSTAINABLE LINKAGE IN NIGERIA A paper contributed by the Nigeria National Strategy Team Against the background
More informationAN ANALYSIS OF IMPACT ON BANKING SECTOR REFORMS IN THE PERFORMANCE OF DEPOSITS AND LOANS AND ADVANCES OF PANDYAN GRAMA BANK IN NADU
AN ANALYSIS OF IMPACT ON BANKING SECTOR REFORMS IN THE PERFORMANCE OF DEPOSITS AND LOANS AND ADVANCES OF PANDYAN GRAMA BANK IN TAMIL NADU V. Alwarnayaki Assistant Professor of Commerce, SRNM College, Sattur
More informationMGNREGA & Financial Inclusion- A Case Study
International Journal Of Scientific Research And Education Volume 2 Issue 10 Pages-2062-2070 October-2014 ISSN (e): 2321-7545 Website: http://ijsae.in ABSTRACT MGNREGA & Financial Inclusion- A Case Study
More informationPriority Sector Lending: Trends, Issues and Strategies
24 Priority Sector Lending: Trends, Issues and Strategies Shilpa Rani, Research Scholar, Kurukshetra University, Kurukshetra Diksha Garg, Research Scholar, Kurukshetra University, Kurukshetra ABSTRACT
More information