Women s Empowerment through SHGs: Intervention and Imperatives
|
|
- Maurice Johns
- 6 years ago
- Views:
Transcription
1 Women s Empowerment through SHGs: Intervention and Imperatives Tattwamasi Paltasingh* AbstrAct The emergence of Self-help Group (SHG) is more than two decades old in India. The SHGs have played an important role in hastening the country s economic development.the SHGs are considered to be the vehicle of change for the poor and marginalized. In India the SHG approach is an integral part of all the community development projects. SHGs having mainly women members is an implication that it is meant for women s economic participation that can further contribute country s economic development. Against this backdrop the paper attempts to examine the role of SHG in enhancing women s status. The growth and evolution of SHGs across Indian states is dicussed in the paper. The SHGs may not be an exclusive empowering agency, it can have other stories too. The paper also highlights the SHG-bank linkage and bottlenecks in the implementation of such initiatives.policy measures has been recommended in the concluding section that can contribute to women s empowerment. Keywords: SHGs, India, Growth, Empowerment, Intervention, Women IntroductIon The Self-help group is a method of organising the people to come together to solve their individual problems and it is used worldwide. The poor collect their savings in banks and in return they receive easy access to loans with a small rate of interest to start their micro unit enterprise. The Self Help Groups (SHGs) have emerged as a powerful instrument to alleviate the poverty and to empower the women in the new economy (Gangwar et al, 2004). Self-employment has been an important component of the anti poverty programmes implemented through government * Associate Professor, Sardar Patel Institute of Economic and Social Research, Drive-in Road, Thaltej, Ahmedabad, Gujarat, India. tattwam@rediffmail.com, tpaltasingh@gmail.com
2 55 Social Work Chronicle Volume 3, Issue 1 & 2, 2014 initiatives in the rural areas of India. Bangladesh has been known as a pioneer in the field of micro-finance. Mehmud Yunus, an initiator of an action research project Grameen Bank started this initiative in The Grameen Bank achieved the status of an independent bank in By 1994, this bank was directly serving two million people and the owners of the bank were mostly women (94%). Currently, the Grameen Bank is in a credit relationship with nearly 7.0 million poor people spread across 73,000 villages in Bangladesh. According to the Bank s internal survey, 58 percent of the borrowers have crossed the poverty line. So far, 80% of the poor families have, in some form, received micro-credit from the Grameen Bank. The Grameen Bank has generated a huge multiplier effect in the country with regard to women s organisational abilities and their overall empowerment. It has enabled them to build assets, increase family income, and reduce their vulnerability to economic stress, violence and exploitation. The success of SHGs programme has also led to considerable improvement in the health and nutritional status of women and children. The Bank organises regular workshops in the interior areas of the country to update women s knowledge on issues like dowry, family planning, primary healthcare, nutritional status, clean drinking water, sanitation and children s education. Bangladesh Rural Advancement Committee (BRAC), Association for Social Advancement (ASA) and PROSHIKA are the other principal Micro-credit Finance Institutions (MFIs) operating for over two decades in all the districts of the country (Drushti, 2004). Bolivia, Indonesia and Mexico are some of the other developing countries which have a mature Micro Finance Institution (MFI). In all these countries, micro-finance is used as a synonym for providing financial services to the poor. The goal is to help the poor gain more control over their lives by giving them the same financial services which middle and upper class individuals enjoy. Bolivia has been one of the leaders of the micro-finance movement in South America. Micro-finance in Mexico has adopted a model which works in both rural as well as urban areas, but operates at high interest rates (at least 79% per annum). India has adopted the Bangladesh s model in a modified form. The Annapurna Mahila Mandal in Maharashtra, Working Women s Forum in Tamilnadu and the many National Bank for Agriculture and Rural Development (NABARD) -sponsored groups have followed the path laid down by a trade union of poor, Self-employed Women Workers Association (SEWA) since The NABARD started promoting selfhelp groups on a large scale in The Reserve Bank of India
3 Women s Empowerment Through SHGs: Intervention and Imperatives 56 also allowed SHGs to open saving accounts in banks from 1993, which gave a boost to the SHG movement (RBI, 2009). This movement was nourished in many states of India including Gujarat, Maharashtra, Andhra Pradesh, Rajasthan, Tamilnadu and Kerala. Nearly 465 banks (including 336-Commercial Banks, 113 Regional Rural Banks, 4 Cooperative banks and 12 SIDBI banks) and more than 3, 013 NGOs are actively involved in the promotion of the SHG movement in India (NABARD, 2012). The other developing countries and international agencies are turning to India to learn from its experiments with microfinance and to explore possibilities of replication of the model in their country. EvolutIon of the SHG MovEMEnt In IndIa The micro-finance groups are undergoing significant changes which are Thrift groups; Credit management groups, Income generating groups, Selfhelp groups and Mutual help groups. Today the SHG has been recognised as a decentralised, cost effective and fastest growing micro finance initiative in the world (Ahirrao, 2012). The first decade of the SHG movement was meant to demonstrate the potential of SHGs to organize themselves and be instrumental in managing their own savings and extending emergent micro credit needs. Second decade laid emphasis on establishing the model across the regions, with a focus on poor regions of the country. This decade also witnessed greater confidence among the financing banks. The development planners including the Government of India and the State Governments also recognized the real potential of the SHG movement in the development of the poor and it was made an essential ingredient of all poverty alleviation programmes of the Government. Even the private sectors have started realising the untapped potential of SHGs for deep penetration to the emerging rural markets (Prasad and Singh, 2012). The small beginning of linking only 500 SHGs to banks in 1992, had grown to over 0.5 million SHGs by 2002 and further to 8 million SHGs by The third decade of the programme witnesses the linkage programme with livelihoods support with lot more innovations in the product range. Drastic reforms in leveraging technology have been witnessed that has improved the efficiency, while extending its outreach to more geographical regions, especially the most resource poor regions of the country. The evolution of the SHG federations can be described under six phases i.e. Phase I during which the NGOs promote women SHGs to mainstream financial services to reach the un-reached segments of society. In Phase
4 57 Social Work Chronicle Volume 3, Issue 1 & 2, 2014 II the NABARD takes the lead in partnering with NGOs to pilot the wellknown SHG-bank linkage model. Phase III involves proactive role of the state Governments, particularly in the South, for promotion of SHGs by revolving loan, funds and other support; in Phase IV the SHG-Bank linkage reaches over a million. Phase V involves the emerging SHG federations to sustain the SHG movement and to provide value-added services. In phase VI the SHGs and SHG federations gained widespread recognition to be partners of various mainstream agencies like financial institutions, corporate sector, and government (Reddy et al, 2008). In India, 8 million SHGs of the poor maintain a balance of over 6550 crore in the Saving Bank accounts. More than 4.4 million SHGs are regularly availing credit facilities from the Banks (NABARD, 2011). Initially NGOs pioneered the SHG promotion processes and later the Government has emerged as the largest SHG promoter. Approximately 44% of the country s Bank-linked SHGs were in the southern States. The government has launched a selfemployment program, Swarnajayanti Gram Swarozgar Yojana (SGSY) from April This is a holistic programme covering all aspects of self employment such as organization of the poor into self help groups, training, credit, technology, infrastructure and marketing (VOICE, 2008). The share of the centre and the states is allotted in the ratio of 75 : 25 with regard to the funding of SGSY. SHG IntErvEntIon and WoMEn S EMpoWErMEnt The year 1975 was declared as a year for women. The decade from 1975 to 1985 was declared as a decade for women as the movement for empowerment of women received a great boost highlighting the important role of women s in the society. It was emphasised that woman should get the same opportunities as that to men. The year 2001 was declared as a year of women s empowerment. Efforts were being made in the direction that women should have a role in all walks of life; and special provisions should be made in the budget for activities related to the development of women. Many schemes were planned and started to be executed, at government level, for women s education, laws regarding prevention of atrocities on women, for their economic empowerment etc. The SHGs increase the productivity as well as the credibility of women. In addition the women involved with the SHGs activities play an important role in improving the economic status of their families.
5 Women s Empowerment Through SHGs: Intervention and Imperatives 58 The first organised initiative of self help group was taken in Gujarat in 1954 when thetextile Labour Association (TLA) of Ahmedabad formed its women s wing to organise the women from the households of mill workers. Their aim was to train them in the primary skills like sewing, knitting embroidery, typesetting and stenography etc. It was given a more systematized structure when Self Employed Women s Association (SEWA)was formed in 1972 as a Trade Union under the leadership of Ela Bhatt. She organised women workers such as hawkers, vendors and home based operators like weavers, potters, papad/agarbatti makers, manual labourers, service providers and small producers like cattle rearers, salt workers, gum collectors, cooks and vendors with the aim of increasing their income and assets; improving their food and nutritional standards; and increasing their organisational and leadership strength. In order to broaden their access to market and technical inputs, the primary associations were encouraged to form federations like the Gujarat State Mahila SEWA Cooperative Federation, Banaskantha DWCRA, Mahila SEWA Association etc. In the 1980s, MYRADA (Mysore Resettlement and Development Agency) a Karnataka based non-governmental organization, promoted several locally formed groups to enable the members to secure credit collectively and use it along with their own savings for economically gainful employment. Since 1987 MYRADA has promoted Credit Management Groups (CMGs) with an aim to impart social empowerment to women. The MYRADA promoted affinity, voluntarism, homogeneity and membership limit. Tamilnadu Women in Agriculture Programme (TANWA), 1986, Participatory Poverty Reduction Programme of Kerala, (Kudumbashree) in 1995 and Tamilnadu Women s Development Project (TNWDP) in 1989 gave stronghold to SHG movement in these states. Around 44% of the total Bank-linked SHGs of the country are in the four southern states i.e. Andhra Pradesh, Tamil Nadu, Karnataka and Kerala. These initiatives have led to the consensus that the small group organisation and self-management are powerful tools for socio-economic empowerment of the rural poor, especially the women. SHG S linkage WItH financial InStItutIonS The linkage with banks/financial institutions has provided a facility of pooling of savings and access to credit from the banking system. In addition
6 59 Social Work Chronicle Volume 3, Issue 1 & 2, 2014 it creates a platform for the members of the groups, through which they could launch a number of livelihood initiatives and also facilitate the empowerment process. In India three different models of linkage of SHGs to the financial institutions have emerged. These are: 1. Banks, which themselves form and finance the SHGs. 2. SHGs are formed by the NGOs and other agencies but funded by banks. 3. Banks finance the SHGs with NGOs and other agencies as financial intermediaries. The second model is the most popular model. Almost three-fourths of all the SHGs come under this model. About 20% of the SHGs under the first model and 8% under the third model are covered. The SHG Bank Linkage Programme has come a long way since 1992 when a project involving partnership among SHGs, Banks and NGOs was launched by NABARD. Nearly 4.22 million SHGs have been provided bank credit and the total outstanding loan to them stood at Rs. 22, 680 crore on Almost 90% of these groups are women s groups. The programme has covered more than 8.06 crore poor households, making it the largest microfinance programme in the world. More than 35,290 bank branches of 48 commercial banks, 96 Regional Rural Banks (RRBs) and 352 cooperatives are involved in financing the SHGs. The SHG-Bank linkage programme was started as a test project in 1989 when NABARD sanctioned Rs.10.0 lakhs to MYRADA as seed money assistance for forming credit management groups. Ministry of Rural Development provided financial support to PRADAN to establish Self-Help Groups in some rural pockets of Rajasthan. In 1995, the RBI streamlined the credit delivery procedure by issuing a set of guidelines to Commercial Banks which enabled the SHGs to open bank accounts. The scheme was further strengthened by a standing commitment given by NABARD to provide refinance and promotional support to banks for credit disbursement under the SHG Bank linkage programme. table 1: trends & progress of SHG - Bank linkage programme in India SHGs linked 255 4,757 22,38,525 29,24,973 % women s groups Families assisted (m)
7 Women s Empowerment Through SHGs: Intervention and Imperatives Population covered (m) Banks participating (n) SHG promoting partners (n) ,323 4,896 Districts covered (n) Cumulative bank loan (Rs. Million) ,13,974 1,80,407 Source: NABARD 2008 Table 1 shows that million families and million people having been covered under SHG - Bank Linkage programme and the cumulative loan figure is on However, in the context of the magnitude of poverty prevailing in the country and the overall quantum of the fund flow available under various anti-poverty programs of the Government, only a small number of the SHGs have emerged. nabard Initiatives The corporate mission of NABARD, the Apex Rural Development Bank in the country, was to make microfinance services available to 20 million poor households, or one-third of the poor in the country, by the end of 2008.The number of SHGs financed by NABARD increased to more than 6.20 lakhs in and 6.87 lakhs in Cumulatively, million poor households in the country have been able to secure access to micro-finance from the formal banking system (NABARD, ). Apart from NABARD, there are other major organisations in the public sector which also provide loans to financial intermediaries for onward lending to SHGs. They are Small Industries Development Bank of India (SIDBI), Rashtriya Mahila Kosh (RMK), and Housing and Urban Development Corporation (HUDCO). Microfinance Programme of SIDBI Small Industries Development Bank of India (SIDBI) launched its micro finance programme on a pilot basis in 1994 for delivering credit to the poor and unreached, especially the women. The SIDBI reoriented and upscaled its micro finance programme in A specialised department viz. SIDBI Foundation for Micro Credit (SFMC) was set up with the mission to create a national network of strong, viable and sustainable Micro Finance Institutions (MFIs) from the informal and formal financial
8 61 Social Work Chronicle Volume 3, Issue 1 & 2, 2014 sectors. SFMC serves as an apex wholesaler for micro finance in India providing a complete range of financial and non-financial services to the MFIs. The goal of the National Micro Finance Support Programme (NMFSP) is to bring about substantial poverty elimination and reduce vulnerability in India amongst users of micro-finance services. The NMFSP is being implemented in collaboration with the Government of India, the Department for International Development (DFID), UK and the International Fund for Agricultural Development (IFAD), Rome. The cumulative assistance sanctioned under SIDBI s micro finance initiatives under its various products upto, 2008 aggregates to Rs crore. The SIDBI is focusing on development of microfinance in the weaker States i.e. Uttar Pradesh, Bihar, Jharkhand, Orissa, Chhattisgarh, Madhya Pradesh, Rajasthan and the North-Eastern States. rashtriya Mahila kosh (rmk) The Rashtriya Mahila Kosh was set up by the Government of India in 1993 under the Department (now Ministry) of Women and Child Development to facilitate credit support to poor women for their socioeconomic upliftment. The credit needs of poor women, especially those in the unorganized sector, were not adequately addressed by the formal financial institutions of the country. Thus RMK was established to provide loans in a quasi formal credit delivery mechanism,which is client-friendly, has simple and minimal procedure, disburses quickly and repeatedly,has flexible repayment schedules, links thrifts and savings with credit and has relatively low transaction costs both for the borrower and the lender. The maximum amount of loan that can be given to a beneficiary at a time is Rs. 25,000 for income generation, Rs. 50,000 for house building and Rs. 10,000 for a family purpose (Table 2). A corpus of Rs.31 crore was provided to the RMK at its inception however, this corpus has increased to Rs crore on The Kosh has supported the SHG in many states of the country. The RMK has sanctioned Rs.250 crores and disbursed Rs 197 crore so far. table 2: performance of rmk (as on ) Loans sanctioned Rs.250 crores Loans disbursed Rs.197 crores Recovery percentage Above 90% IMOs (Intermediary Organisations) 1375
9 Women s Empowerment Through SHGs: Intervention and Imperatives 62 SHGs 61,600 Women benefited 6,19,230 No. of nodal agencies 31 Franchises 5 States / UTs covered 25 Ceiling of loan to an individual Source: MoRD, 2010 Rs.25,000/- Income generation Rs.50,000/- Housing loan Rs.10,000/- Family consumption loan The support by the RMK is extended through NGO s, Women Development Corporations, State Government agencies like DRDA s, Dairy Federations, Municipal Councils etc. The process of loan sanction for voluntary organizations consists of five steps i.e. (i) issues of guidelines / inviting applications; (ii) desk evaluation of the proposal; (iii) presanction visit / assessment; (iv) sanction and implementation, monitoring and(v) post- completion reporting. In the year , the organization provided a credit of Rs crores benefiting 34,692 women. private Initiative in SHG development In India there have been a large number of voluntary organisations(ngos) which have facilitated and assisted SHGs in organizing savings and credit. The SEWA in Ahmedabad, MYRADA in Karnataka, Nav Bharat JagritiKendra and Ramakrishna Mission in Jharkhand, and ADITHI in Bihar took the lead in promoting Self-Help Groups with income generation activities using local skills. PRADAN (Professional Assistance for Development Action), DHAN Foundation, ASSEFA (Association of Sarva Seva Farms, MALAR (Mahalir Association for Literacy, Awareness and Rights), SKS, Janodaya, Cohesion Foundation and Jan Chetna Sansthan are some other major non-governmental institutions which are promoting and nurturing a large number of SHGs of poor people, mostly women into effective organisations. Involving the corporate sector and the poor with an emphasis on skill development is another approach to transform the marginalised into successful entrepreneurs (Torawane, 2012). The refore the combined efforts ofthe government and private voluntary agencies have made the SHGs to occupy a place of prominence in the socio-economic fabric of rural India.
10 63 Social Work Chronicle Volume 3, Issue 1 & 2, 2014 relooking SHGS: BottlEnEckS & ISSuES It is assumed by a large number of researchers and policy makers that the economic empowerment of women leads to social empowerment that can be futher translated to other field of development. Issues related to women s health, education, autonomy, income, power, decision-making within the family etc. can have positive impact. However, some scholars and critiques do not consider SHGs as a solution to tackle poverty. According to them the SHGs can be used for local level interventions and development, at the same time it cannot be considered as the only method for women s empowerment and community development. Some of the bottlenecks of the SHGs that have emerged in recent years include an uneven spread of the SHGs across the country, difficulty in taking up issues of gender and social inequality, women s empowerment (Kabeer, 2005), funding pattern of the self help groups etc. Apart from possible delays in the funds passing from the Ministry of Rural Development and State governments to the DRDOs, the banks also hold up the project at any stage for the Self help groups like SGSY. There is no authority to intervene and ask the banks if their decisions affects the progress of work. Proper training to the rural swarozgarisin order to analyse the market opportunities, to impart modern professional skills; and technical expertise to acquire the required tools is also found to be lacking. All these requirements have been ignored in the SGSY. It was repeatedly pointed out by the women that joining the SHGs had increased their workload as the new activities could not generate enough income for them to give up any of their earlier work. Defects in the BPL lists are perhaps the main reason for proving any poverty alleviation programmes to be ineffective and SGSY is no exception. All projects for helping the poor at the grassroots are implemented as per the BPL lists. There is need to consider decentralizing the SGSY so that each region get the authority to modify the use of the funds to its problem of poverty and the poor. There is a need for more awareness generation among the potential beneficiaries about the scheme and its contents as well as the authorities in charge and their responsibilities. So that the targeted population can seek help and question authorities if the latter fail to deliver the benefits to the needy and genuine people.
11 Women s Empowerment Through SHGs: Intervention and Imperatives 64 conclusion Rural India faces several problems due to poverty, illiteracy, lack of skills, health care etc.these problems can be solved through group efforts like the Self Help Groups.The Government of India supports the Self Help Groups with an objective of bringing every assisted family above the poverty line. The SHG Movement has evolved to a significant level since last two decades in India. The SHG across the country is institutionalized by SHG-Bank linkage program. Initiatives by various financial institutions like NABARD, Rashtriya Mahila Kosh (RMK), SIDBI and several other Private Initiative which have contributed towards the SHG progress in the country. Despite many initiatives, there are several issues which need to be tackled for better implementation of the microfinance initiatives in India. Provision of an adequate knowledge and training to the members of Self Help Groups, more transparent & speedier funding from the banks, provision of capacity building and other necessary inputs by promoters to the SHGs, right identification of BPL individuals are some important issues which need serious attention for the success of Micro finance initiatives and benefits of SHGs. Addressing issues of women through SHGs have certainly positive dimensions. However the scope of SHGs as an empowering agency should go beyond financial issues. Gender inequalities are deep rooted and may not have immediate solution. Women need to be liberated from household responsibilities or as sole home makers. Women s reproductive role at home need to gain due recognition. Apart from financial independence through emergence of micro-finance institutions, they should have independence in other social spheres also. They can have equal share in decision making and access to resources. SHGs can act as an empowering agency that can develop self-confidence and liberate women from daily struggles. Addressing various developmental issues of the poor women especially in the rural areas and challenging the social structures are to be achieved for the empowerment of women. Serious efforts in this direction can actually contribute towards the socio-economic upliftment of the deserving women.
12 65 Social Work Chronicle Volume 3, Issue 1 & 2, 2014 references Ahirrao, J. (2012). Capacity building of rural poor through microfinance: Role of institutions. In Biju M.R (Ed) Rural Development under Decentralized Governance. New Delhi: Concept Publishing Company Pvt. Ltd. Drushti: Stree Adhyayan Prabodhan Kendra. (2004). An Evaluation of Impact of SHG on the Social Empowerment of Women in Maharashtra. New Delhi: National Commission for Women. Gangwar, M., Kanpekar, N., Mandal, M. K. & Kandekar, P. (2004). Empowerment status of rural women: Insights from dairy cooperation. Social Change, 34(1), Kabeer, N. (2005). Is Microfinance a Magic Bullet for Women s Empowerment? Analysis of Findings from South Asia. Economic & Political Weekly, October, (pp ). MORD. Ministry of Rural Development. (2010). Annual Report , Department of Rural Development, Government of India accessed from NABARD. ( ). Retrieved from NABARD. (2008, 2011, 2012). Annual Reports. Retrieved from www. nabard.org. RBI. (2009). Reserve Bank of India Retrieved from Prasad B.G. & Singh, R. J. (2012). Self Help Group- Micro Credit Linkage for Rural Development in India. In Biju M. R. (Ed.) Rural Development under Decentralized Governance. New Delhi: Concept Publishing Company Pvt. Ltd. Reddy, A. R. (2008). Self-Help Groups in India - A Catalyst for Women Economic Empowerment and Poverty Eradication. Paper Presented at 33 rd Global Conference of ICSW, France. Torawane, M. (2012). Gujarat Livelihood Promotion Company. Quarterly Magazine. VOICE. (2008). Voluntary Operation in Community & Environment. A Report on the Success and Failure of SHG s in India- Impediments and Paradigm of Success. Planning Commission, Government of India.
MICROFINANCE: 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 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 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 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 informationEvaluation of SHG-Bank Linkage: A Case Study of Rural Andhra Pradesh Women
EUROPEAN ACADEMIC RESEARCH Vol. II, Issue 8/ November 2014 ISSN 2286-4822 www.euacademic.org Impact Factor: 3.1 (UIF) DRJI Value: 5.9 (B+) Evaluation of SHG-Bank Linkage: A Case Study of Rural Andhra Pradesh
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 informationEVALUATION OF THE PROGRESS OF MICROFINANCE THROUGH SELF HELP GROUP BANK LINKAGE MODEL
EVALUATION OF THE PROGRESS OF MICROFINANCE THROUGH SELF HELP GROUP BANK LINKAGE MODEL. Dr. Dev Raj Jat Assistant Professor Post Graduate Government College Sector 11, Chandigarh Abstract Self-Help Group
More informationIJBARR E- ISSN X ISSN A STUDY ON EVALUATION OF THE PROGRESS OF MICROFINANCE THROUGH SELF HELP GROUP BANK LINKAGE MODEL
A STUDY ON EVALUATION OF THE PROGRESS OF MICROFINANCE THROUGH SELF HELP GROUP BANK LINKAGE MODEL Praba.K* Dr. Kavitha Shanmugam** *Research scholar & Assistant Professor, Michael Institute of Management,
More informationIJBARR E- ISSN X ISSN AN EVALUATION OF SHG S MODEL OF MICROFINANCE IN UTTAR PRADESH
AN EVALUATION OF S MODEL OF MICROFINANCE IN UTTAR PRADESH Dr.Pushpendra Misra Associate Professor,Dept. of Commerce, Dr.Shakuntala Misra National Rehabilitation University, Lucknow. Anshu Gupta Research
More informationAarhat Multidisciplinary International Education Research Journal (AMIERJ) ISSN
Page18 MICRO-FINANCE IN INDIA PROGRESS OF SHG-BANK LINKAGE PROGRAMME RAVINDER KUMAR Deptt. Of Commerce Kurukshetra University Kurukshetra RITIKA Deptt. Of Commerce Kurukshetra University Kurukshetra Abstract
More informationA STUDY ON EVALUATION OF THE PROGRESS OF WOMEN ENTREPRENEURS IN MICROFINANCE THROUGH SELF HELP GROUP BANK LINKAGE MODEL
A STUDY ON EVALUATION OF THE PROGRESS OF WOMEN ENTREPRENEURS IN MICROFINANCE THROUGH SELF HELP GROUP BANK LINKAGE MODEL 1 Subha.K 2 Dr. R.Thangaprashath 1 Research scholar, Bharathidasan University, Trichy
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 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 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 informationSelf-Help Groups : Concept, Genesis and Growth in India
M.A. (Women Studies) Part-II Semester-III Lesson No. 10 Paper-1 Self-Help Groups : Concept, Genesis and Growth in India It is a well recognized fact that sustainable development involves equal opportunities
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 informationWOMEN EMPOWERMENT THROUGH MICROFINANCE: A CASE STUDY OF WOMEN IN SELF HELP GROUP OF TUTICORIN DISTRICT IN TAMILNADU
WOMEN EMPOWERMENT THROUGH MICROFINANCE: A CASE STUDY OF WOMEN IN SELF HELP GROUP OF TUTICORIN DISTRICT IN TAMILNADU *V. Arockia Amuthan. Abstract: The Indian women from an active section of the soy and
More informationChapter - 2 Genesis and Concept of Microfinance
2.1. Introduction Chapter - 2 Genesis and Concept of Microfinance The word microcredit came into existence and get importance through the revolutionary of Grameen Bank founded by Professor Muhammad Yunus
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 informationIndian Microfinance can be chronologically classified into four phases. The four stages are:
Background Note: 03 Microfinance in India: An Overview Indian Microfinance can be chronologically classified into four phases. The four stages are: Phase I: 1900s 1969 Cooperative Movement Phase II: 1969-1991
More informationINFORMATION TECHNOLOGY IN MICRO FINANCIAL SERVICES IN INDIA
INFORMATION TECHNOLOGY IN MICRO FINANCIAL SERVICES IN INDIA www.arseam.com Impact Factor: 0.98 Ms. Ritika Gupta * Satyawati College(Evening), Delhi University, Delhi,India Dr. Keshav Gupta ** Satyawati
More informationMicrofinance and the State
Microfinance and the State Exploring Areas and Structures of Collaboration Since the early 1990s, there have been many significant state initiatives in the institutional and policy spheres to facilitate
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 informationINTRODUCTION TO SELF-HELP GROUPS
CHAPTER - I INTRODUCTION TO SELF-HELP GROUPS Self-Help Group (SHG) is homogeneous affinity groups with common objective of enhancing their economic conditions. Theorists view SHG as the homogeneous group
More informationNABARD & microfinance
NABARD & microfinance 2001-2002 Ten years of SHG-Bank Linkage (1992-2002) Self Help Groups An SHG is a group of about 20 people from a homogeneous class, who come together for addressing their common problems.
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 informationTHE SELF-EMPLOYED WOMEN S ASSOCIATION (SEWA) *
Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized I. Abstract THE SELF-EMPLOYED WOMEN S ASSOCIATION (SEWA) * SEWA is the acronym for the
More informationAN ANALYTICAL STUDY ON ECONOMIC EMPOWERMENT OF WOMEN THROUGH SELF HELP GROUPS WITH SPECIAL REFERENCE TO MADURAI
AN ANALYTICAL STUDY ON ECONOMIC EMPOWERMENT OF WOMEN THROUGH SELF HELP GROUPS WITH SPECIAL REFERENCE TO MADURAI Ms. K. PRABA (Research scholar) Assistant Professor, Michael Institute of Management Madurai.
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 informationMICROFINANCE AN OVERVIEW
CHAPTER III MICROFINANCE AN OVERVIEW The term Micro literally means Small. In a simple language, microfinance means provision of financial services on a small scale to the rural and urban poor, including
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 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 informationVimo SEWA or SEWA Insurance our support in crisis
Vimo SEWA or SEWA Insurance our support in crisis SEWA's experience with providing micro insurance services to women workers over more than a decade points to the fact that micro insurance must be integrated
More informationInvesting in Women and Girls - India s Experience on Gender Responsive Budgeting for Gender Equality and Women Empowerment
Keynote Address by H.E. Ms. Latha Reddy, Ambassador Extraordinary and Plenipotentiary and Permanent Representative to ESCAP, Embassy of India International Women s Day United Nations International Women
More informationChapter 3. Microfinance Trends, Problems and Prospects
Chapter 3 Microfinance Trends, Problems and Prospects The chapter on microfinance trends, problems and prospects is divided into three sections. The first section deals with the history and progress of
More informationCHAPTER VI ANALYSIS OF BORROWINGS
6.1 Introduction CHAPTER VI ANALYSIS OF BORROWINGS When women move forward, the family moves, the village moves and the nation moves. Jawaharlal Nehru Access to finance, especially by the poor and vulnerable
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 informationSelf Help Groups, Eradication of Poverty and Inclusive Growth
Self Help Groups, Eradication of Poverty and Inclusive Growth *Dr. Ravindra K., Lecturer, Gulf College, Sultanate of Oman **Dr. Abhay Kumar Tiwari, Faculty Member, IBS Business School Dehradun Abstract
More informationY V Reddy: Micro-finance - Reserve Bank s approach
Y V Reddy: Micro-finance - Reserve Bank s approach Address by Dr Y V Reddy, Governor of the Reserve Bank of India, at the Micro-Finance Conference organised by the Indian School of Business, Hyderabad,
More informationInternational Journal of Advance ISSN and Applied Research (IJAAR) GROWTH AND DEVELOPMENT OF SHG-BANK LINKAGE PROGRAMME IN INDIA
International Journal of Advance ISSN 2347-7075 and Applied Research (IJAAR) Vol. 1 No.2 Peer Reviewed Bi-Monthly Nov Dec 2013 GROWTH AND DEVELOPMENT OF SHG-BANK LINKAGE PROGRAMME IN INDIA Miss. Jyoti
More informationBanking Sector Liberalization in India: Some Disturbing Trends
SPECIAL REPORT Banking Sector Liberalization in India: Some Disturbing Trends Kavaljit Singh In the first week of August 2005, Reserve Bank of India (RBI), country s central bank, issued a list of 391
More informationSTATUS OF MICROFINANCE AND ITS DELIVERY MODELS IN INDIA
International Journal of Accounting and Financial Management Research (IJAFMR) ISSN(P): 2249-6882; ISSN(E): 2249-7994 Vol. 4, Issue 4, Aug 2014, 13-24 TJPRC Pvt. Ltd. STATUS OF MICROFINANCE AND ITS DELIVERY
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 informationCHAPTER 2 CONCEPTUAL FRAMEWORK
CHAPTER 2 CONCEPTUAL FRAMEWORK 2.1 Introduction Prahalad C. K. (2006) in his famous book Fortune at the bottom of the pyramid illustrated the assumption behind the dominant logic of commercial organizations.
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 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 informationROLE OF MICROFINANCE & SELF HELP GROUPS IN THE
International Journal of Research in Social Sciences Vol. 7 Issue 12, December 2017, ISSN: 2249-2496 Impact Factor: 7.081 Journal Homepage: Double-Blind Peer Reviewed Refereed Open Access International
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 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 informationREACTIONS OF SHG MEMBERS TOWARDS FUNCTIONING OF SELF HELP GROUPS
Raj. J. Extn. Edu. 19 : 79-83, 2011 REACTIONS OF SHG MEMBERS TOWARDS FUNCTIONING OF SELF HELP GROUPS Sukhdeep Kaur Mann*, Varinder Randhawa** and Kanwaljit Kaur*** ABSTRACT In India, NABARD initiated SHGs
More informationSHPI-Bank Consultation Meet Taking SHG Bank Linkage to the Next Level 3 rd May, 2013, Patna. Organized by: ACCESS ASSIST.
SHPI-Bank Consultation Meet Taking SHG Bank Linkage to the Next Level 3 rd May, 2013, Patna Organized by: ACCESS ASSIST Summary Paper SAMRIDHI (Poorest State Inclusive Growth Programme)is being implemented
More informationDairying as Livelihood Activity among SHGs - An overview. Dr. K. Natchimuthu RAGACOVAS, Puducherry.
Dairying as Livelihood Activity among SHGs - An overview Dr. K. Natchimuthu RAGACOVAS, Puducherry. Introduction Organised but unregistered groups involved primarily in savings and credit. Neighbourhood
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 informationDr. Najmi Shabbir Lecturer Shia P.G. College, Lucknow
Banking Development after Nationalization and Social Control in India (1967 To 1991) Dr. Najmi Shabbir Lecturer Shia P.G. College, Lucknow Abstract: This paper mainly analyses the impact of Nationalisation
More informationROLE OF MICROFINANCE IN THE ECONOMIC GROWTH OF INDIA: STATUS AND CHALLENGES
ROLE OF MICROFINANCE IN THE ECONOMIC GROWTH OF INDIA: STATUS AND CHALLENGES **SHRUTI GUPTA & SOMA NAYAK Introduction According to CGAP, Microfinance is the provision of financial services to low-income
More informationMicrofinance for Agriculture: Perspectives from India
Microfinance for Agriculture: Perspectives from India SATISH PILLARISETTI National Bank for Agriculture and Rural Development (NABARD) INDIA 11 December 2007 1 PROLOGUE State interventions in rural finance
More informationFinancial Inclusion in India through SHG-Bank Linkage Programme and other finance Initiatives of NABARD
Financial Inclusion in India through SHG-Bank Linkage Programme and other finance Initiatives of NABARD By A Ramanathan, Chief General Manager Micro Finance Innovations Department NABARD Mumbai What is
More informationA STUDY ON PROGRESS OF MICRO FINANCE INSTITUTIONS BANK LINKAGE PROGRAM IN INDIA *Dr. Krishna Banana, Research Supervisor, Dept.
A STUDY ON PROGRESS OF MICRO FINANCE INSTITUTIONS BANK LINKAGE PROGRAM IN INDIA *Dr. Krishna Banana, Research Supervisor, Dept. of Commerce & Business Administration Acharya Nagarjuna University Ongole
More information18th Year of Publication. A monthly publication from South Indian Bank.
To kindle interest in economic affairs... To empower the student community... Open YAccess www.sib.co.in ho2099@sib.co.in A monthly publication from South Indian Bank 18th Year of Publication Experience
More informationCustomers perception on Pradan Manthri Jan Dhan Yojana in Shivamogga District of Karnataka State, India.
Customers perception on Pradan Manthri Jan Dhan Yojana in Shivamogga District of Karnataka State, India. by Mr. Anand M B [a] & Dr. H H Ramesh [b] Abstract Government is responsible for end financial untouchability,
More informationNon financial services like training, counseling etc.
1.1 INTRODUCTION Micro finance in India is still in its burgeoning. Micro finance hitherto remains a powerful tool for development. It may be a universal remedy, but it has brought many changes in the
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 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 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 informationROLE OF GOVERNMENT IN FINANCIAL INCLUSION
Continuous issue-14 May - August 2015 ROLE OF GOVERNMENT IN FINANCIAL INCLUSION INTRODUCTION: Providing financial access to the poor by connecting them with banks has always been an important priority
More information1. Key development issues and rationale for Bank involvement
Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized DRAFT PROJECT INFORMATION DOCUMENT (PID) APPRAISAL STAGE Report No.: AB5278 Project Name
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 informationWomen Empowerment through Self-Help Group Microfinance in Tamil Nadu, India
International Journal of Current Microbiology and Applied Sciences ISSN: 2319-7706 Volume 7 Number 04 (2018) Journal homepage: http://www.ijcmas.com Original Research Article https://doi.org/10.20546/ijcmas.2018.704.158
More informationTHE IMPACT OF MFIs ON ECONOMIC DEVELOPMENT OF RURAL WOMEN THROUGH SELF HELF GROUPS
THE IMPACT OF MFIs ON ECONOMIC DEVELOPMENT OF RURAL WOMEN THROUGH SELF HELF GROUPS Dr. SP. Mathiraj Dr. AR. Annadurai Abstract Micro Finance Institutions (MFIs) in India are perceived as a life-giving
More informationA Primer on Microfinance
A Primer on Microfinance U. B. Desai SPANN Lab. Dept. of EE IIT-Bombay www.ee.iitb.ac.in/~ubdesai Some Basic Question Why do we need finance? credit is an instrument for investment and growth. Why the
More informationMicrofinance Industry Penetration in India: A State - wise Analysis in Context of Micro Credit
24 Microfinance Industry Penetration in India: A State - wise Analysis in Context of Micro Credit Laxmi Devi, Assistant Professor, Gargi College, University of Delhi Umed Yadav, Student, Dept. of Commerce,
More informationMicrofinance in Haryana: Evaluation of Self Help Group-Bank Linkage Programme of NABARD in Haryana
Microfinance in Haryana: Evaluation of Self Help Group-Bank Linkage Programme of NABARD in Haryana Sachin 1 and Sameesh Khunger 2 1,2 (Assistant Professor, Department of Business Administration, Chaudhary
More informationChapter II. Microfinance -International and Indian Scenario
Chapter II Microfinance -International and Indian Scenario 2.1 International Scenario of Microfinance 2.1.1 Introduction The growth and performance of microfinance sector in the international arena during
More informationRESEARCH NOTE: EMPOWERMENT OF WOMEN THROUGH MICRO CREDIT PROGRAMME
Discussion mysociety VI (1-2), 2011, 99-109 University of Mysore http://mysociety.uni-mysore.ac.in RESEARCH NOTE: EMPOWERMENT OF WOMEN THROUGH MICRO Shashikala and Uma H R CREDIT PROGRAMME Abstract Micro-credit
More informationWomen empowerment through financial inclusion A study with reference to YSR Kadapa district of Andhra Pradesh
2017; 3(4): 509-513 ISSN Print: 2394-7500 ISSN Online: 2394-5869 Impact Factor: 5.2 IJAR 2017; 3(4): 509-513 www.allresearchjournal.com Received: 12-02-2017 Accepted: 13-03-2017 V Guru Leela Kumari Assistant
More information13 EMERGING SELF-HELP GROUPS INSTRUMENT FOR PROMOTING MICRO CREDIT SYSTEM
13 EMERGING SELF-HELP GROUPS INSTRUMENT FOR PROMOTING MICRO CREDIT SYSTEM Dilip Sarma Head, Resource Unit, Rashtriya Gramin Vikas Nigam Guwahati, Assam Indian Poverty Scenario Approximately 400 million
More informationA Study of Progressive Model of Micro-Finance in India
A Study of Progressive Model of Micro-Finance in India Gaurav Gupta School of Commerce & Management G.S.S.D.G.S. Khalsa College, Patiala Patiala, India gaurav_gupta08@hotmail.com ABSTRACT ; Microfinance
More informationRural Poverty Alleviation, SHGs and Panchayats
Rural Poverty Alleviation, SHGs and Panchayats D Narayana* (*with assistance from Jenatte Andrews) Rural Poverty Alleviation, SHGs and Panchayats 1. Introduction In the 1970s an ambitious credit scheme
More informationAn overview on: Gender Budgeting an emerging tool towards empowering the women of India
Available online at: http://euroasiapub.org/current.php?title=ijrfm, pp. 39~44 Thomson Reuters Researcher ID: L-5236-2015 An overview on: Gender Budgeting an emerging tool towards empowering the women
More informationCHAPTER 6 PROJECT FINANCE
CHAPTER 6 PROJECT FINANCE 164 In project financing, the project, its assets, contracts, inherent economies and cash flows are separated from their promoters or sponsors in order to permit credit appraisal
More informationImpact of SHG-enabling model of microfinance towards poverty reduction Introduction
Impact of SHG-enabling model of microfinance towards poverty reduction Introduction Annex 4f Poverty has many dimensions and stems from several factors economic, social and cultural. Although lack of opportunities
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 informationMicro Finance in the World and in India: Status, Problems and Prospects
Micro Finance in the World and in India: Status, Problems and Prospects By Vijay Mahajan Chair, CGAP ExCom Founder and CEO, BASIX Social Enterprise Group, India President, MFIN (MFI Network of India) March
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 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 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 informationTiken Das 1. the loan amount is invested or due to the use of borrowed amount in some other activities for which it was not borrowed.
IOSR Journal of Economics and Finance (IOSR-JEF) e-issn: 2321-5933, p-issn: 2321-5925.Volume 1, Issue 1 (May. Jun. 2013), PP 05-14 An Analysis of Non-Performing Assets and Recovery Performance of Self
More informationA Study On Problems And Prospects Of Self- Help Groups Towards Human Resource Empowerment With Reference To Namakkal District
A Study On Problems And Prospects Of Self- Help Groups Towards Human Resource Empowerment With Reference To Namakkal District Mr.S.Nagarajan Research scholar (Ph.D), Bharathiar University, Coimbatore.
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 Inclusion & Postal Banking The India Story
Financial Inclusion & Postal Banking The India Story A Presentation by Sandip Ghose Reserve Bank of India at the UPU-AFI Workshop, Berne, Switzerland 9 th & 10 th November, 2009 Financial Inclusion : Definition
More informationAPMAS. Reaching the vulnerable with micro financial services. Presentation by CS Reddy
APMAS Self-help groups in India: Reaching the vulnerable with micro financial services Presentation by CS Reddy creddy@apmas.org European Microfinance Week Luxembourg, 13 th November 2008 About APMAS Vision:
More informationFinancial Inclusion and Millennium Development Goals
Financial Inclusion and Millennium Development Goals At the outset, I take this opportunity to thank the Planning Commission, the United Nations Development Programme (UNDP) and the College of Agricultural
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 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 informationSPEECH OF CMD, NHFDC on Capacity Building Workshop for officials of West Bengal Women Development Undertaking, Kolkata,
SPEECH OF CMD, NHFDC on Capacity Building Workshop for officials of West Bengal Women Development Undertaking, Kolkata, 06.03.2012 I am very happy and honoured to attend this One day workshop organized
More informationEvaluating the Rural Selfemployment. the Central Government
Evaluating the Rural Selfemployment schemes launched by the Central Government Anil Varghese CCS RESEARCH INTERNSHIP PAPERS 2004 Centre for Civil Society K-36 Hauz Khas Enclave, New Delhi 110016 Tel: 2653
More informationOPERATIONAL EFFICIENCY OF REGIONAL RURAL BANKS AND OTHER COMMERCIAL BANKS OF ODISHA INDIA: A COMPARATIVE STUDY
OPERATIONAL EFFICIENCY OF REGIONAL RURAL BANKS AND OTHER COMMERCIAL BANKS OF ODISHA INDIA: A COMPARATIVE STUDY Prof. RN Subudhi & Jitendra K. Ram School of Management, KIIT University Bhubaneswar, India
More informationMicro Finance in India A Key Driver for Inclusive and Sustainable Growth
Micro Finance in India A Key Driver for Inclusive and Sustainable Growth Vimal Nishant.R Associate Professor Excel Business School, Komarapalayam, TN - India Senthil Kumar.C Assistant Professor, K.S.Rangasamy
More informationROLE OF PRIVATE SECTOR BANKS FOR FINANCIAL INCLUSION
270 ROLE OF PRIVATE SECTOR BANKS FOR FINANCIAL INCLUSION ABSTRACT DR. BIMAL ANJUM*; RAJESHTIWARI** *Professor and Head, Department of Business Administration, RIMT-IET, Mandi Gobindgarh, Punjab. **Assistant
More informationRole of Micro Finance in Poverty Reduction
Role of Micro Finance in Poverty Reduction Preeti Sharma M.com student B.P.S.M University Khanpur kalan (Sonipat) Haryana, India Abstract: Micro finance has proven to be an effective tool for poverty reduction.
More information