Impacts of the Andhra Pradesh Rural Poverty Reduction Program
|
|
- Willis Gray
- 5 years ago
- Views:
Transcription
1 Society for Elimination of Rural Poverty National Rural Livelihood Mission Impacts of the Andhra Pradesh Rural Poverty Reduction Program Summary of key outcomes of Rural livelihoods programs in Andhra Pradesh Impact Evaluation Conference, Sep 4 th, 2014
2 Context Indira Kranthi Pratham(earlier called Velugu) is the biggest self-help group & livelihoods program in the world A multi-sectoral program with interventions ranging from group building to technical training Project design and approach scaled-up to rest of India as National Rural Livelihoods Mission Next phase of livelihoods interventions in AP under design Development of large agriculture producer groups Village-level nutrition and sanitation infrastructure & linkages with agriculture Improvements in last mile service delivery through ICT
3 Overall Project Strategy & Sequencing New groups were mobilized Existing groups were strengthened Basic group management training Group savings and interloaning Book-keeping Revolving fund Bank linkages Financial Management Capacity Building Partnerships with various public and private sector to provide technical training Group Mobilization & strengthening Financial Inclusion Capacity Building & Skill training
4 Overall Project Strategy & Sequencing New groups were mobilized Existing groups were strengthened Basic group management training Group savings and interloaning Book-keeping Revolving fund Bank linkages Financial Management Capacity Building Partnerships with various public and private sector to provide technical training Group Mobilization & strengthening Financial Inclusion Capacity Building & Skill training
5 Overall Project Strategy & Sequencing New groups were mobilized Existing groups were strengthened Basic group management training Group savings and interloaning Book-keeping Revolving fund Bank linkages Financial Management Capacity Building Partnerships with various public and private sector to provide technical training Group Mobilization & strengthening Financial Inclusion Capacity Building & Skill training Sustainable and Resilient Institutions for Poor Enhanced and expanded livelihood services
6 Social Mobilization Formation of a four-tiered community-based institutions 11.2 million(10.2 mn households) women mobilized into 1.17 mn self-help groups Affinity based SHGs further federated into village, subdistrict and district level federations. Over 90% percent of poor households in the state have participated in the program 173,841 community resource person hired to provide support to these institutions Source: Project MIS Data 1.17 mn SHGs with 11.1 million members Savings Quality control of SHGs Quality control of VOs Quality Control of MSs Internal Lendings On-lending community investment fund to SHGs CIF Management Insurance and safety nets 38,375 VOs 1098 MSs Auditing SHGs and VOs 22 ZSs Accessing Credit from banks Collective procurement Managing bulk milk collection units Providing jobs to youth Financial Literacy Handling health and social issues Handling social issues Convergance with government departments
7 Credit Mobilization Creation of an ecosystem of social capital based financing in the state Facilitating bank-linkages through bank-mithras Encouraging poor to invest their own money in community-based institutions US$1 billion mobilized in internal savings US$12 billion cumulative credit flow from commercial banks US$21 leveraged for every US$1 invested by the government Source: Project MIS Data, commercial banks
8 Key Outputs and Impacts Social mobilization has created a big social network enabling a large institutional platform for rural poor Through a mix of savings, revolving fund & bank linkages, capital constraint has been reduced significantly Repayment rates have remained above 95% even during the peak of the financial crisis Several livelihoods interventions have been piloted and scaled-up on this institutional platform Sustainable Agriculture (CMSA) Livestock and Dairy Transition to formal sector through skill-based training and improved access to higher education Consumption, assets and financial behavior have improved Household level impact can only assess the impact of initial set of activities: group formation, credit, and basic financial management skill training Eventually the poor have been able to gain a higher market share for poor in the rural livelihoods economy
9 Household level Impact Source: Prennushi & Gupta
10 Background of the study Household survey conducted by CESS focusing on interventions between mobilization savings bank loans ("bank linkage") skills training (productive activities and services at a very early stage) Following outcomes have been looked at Financial Balances : savings, loans, and net debt Assets indicators: Livestock, durables, non-farm, farm assets, land operated and land owned Consumption indicators: Total food, education, health and total consumption Human Development: Education, health and gender empowerment
11 Empirical Analysis Methodology: Propensity score matching + difference-indifference Various definitions of participants vs. non-participants, looking at the impact of time spent in the program Early over 4 years Mid 2-4 years Late less than 2 years Three categories of households: Poorest, Poor and Not poor
12 Caveats This is not a randomized control trial We can only compare SHG participants with nonparticipants in villages with the program biases We cannot fully rule out self-selection bias Participants also accessed several other programs Some of the benefits of the program might have occurred to non-participants in program villages
13 Interpreting Differences-in-Differences(DiD) Total monthly expenditure per capita, 2004 Rs. Poorest program participants Poorest program non-partic., matched Difference * Annual rate of growth 9.1% 6.6% Difference 71/161=44% DiD: the difference between participants and non-participants in the increase (difference over time) in consumption is 44% of the increase for non-participants (for "early joiners": participants exposed to the program for more than 4 years) Participants experiences an increase 44% larger than non-participants 1 US$= INR60
14 Borrowing & Assets Overall borrowing was higher for participants On average they could borrow INR 6500(~US$108) more over two years Higher savings amongst participants On average early participants had INR1800(~US$30) more savings Poorest households were able to operate a little more land 0.25 acres more than non-participants Interestingly, only the non-poor could increase land ownership when compared to non-poor non-participants Most participants (and especially STs) accumulated more livestock than non-participants
15 Consumption Poorest: Early joiners saw total expenditures increase (44%) more than non-participants The 44% difference is quite large: almost 24% of the poverty line. Impacts for poor and not-so-poor are not uniformly positive/significant Education expenditures were higher for poor and poorest participants Differences vary from INR (US$2.4-4) per capita per year- not irrelevant Two years of exposure to the program were sufficient to see differences
16 Consumption (2) No significant effects on food consumption & health expenditures But consumption of some food items (such as milk) was higher Lack of impact on health expenditures (and measured health outcomes) may have had to do with significant shortcomings in service delivery
17 Effects on Other Program Participants On average participation was associated with higher participation in other government programs Participation in IKP led to higher participation in NREGS, schoolmeal program, housing program and the local health program NREGS Midday meal, hostels Housing ICDS Poorest Early Joiners 31*** 21*** 5-2 Mid Joiners 24*** 13 12** 5 Late Joiners 15*** 12** -1 6 Poor Early Joiners 22*** 9* 10*** -3 Mid Joiners 17*** 19*** 21*** 11*** Late Joiners 25*** 15*** 4 6 Not so poor Early Joiners 18*** 0 11*** 5** Mid Joiners 13* 8 11*** -3 Late Joiners 18*** 10* 14*** 7** Note: Significance levels: *: 10 percent, **: 5 percent, ***: 1 percent.
18 Effects on other Program Participants Large and significant difference in access to NREGS (a large social protection program in India) amongst participants NREGS has contributed to some of the economic effects But so has self-help group participation Effect of NREGS and IKP disentangled in the following way: Exploiting Phasing of NREGS: IKP impacts remain positive and significant even where NREGS had just begun Exploiting non-participation in NREGS: Effects still positive and significant amongst NREGS non-participants
19 Empowerment Improvement in women s ability to go out without permission Greater autonomy and participation in village meetings No increase in women s ability to save money aside for personal use IKP participants Nonparticipants Difference partic. vs. non-partic. To the market To visit friends * To visit relatives *** To the local health center ** To fields outside the village for work * To the community center/ park/ plaza in the village * To community functions * Note: Results for all poverty categories and lengths of exposure combined. Significance levels: *: 10 percent, **: 5 percent, ***: 1 percent.
20 Other Impacts Education Higher education expenditure have translated into better school enrollment Health No significant improvements, nor differences in health indicators
21 Conclusion Poorest benefit the most Increased ability to borrow, which is invested in livestock and leased land Length of exposure matters Consumption expenditures are significantly higher with time
22 Methodological Insights Successfully conducting Randomized Control Trials requires a great deal of interaction and joint work with program implementers Program implementers are subject to many demands, some of which may turn out not be compatible with randomization Process data are crucial to conduct good IEs; survey data alone are not enough MIS and qualitative data has to be accompanied with it.
23 Thank you
DESIGNING AND IMPLEMENTING LAST- MILE SERVICE DELIVERY SOLUTIONS AND INNOVATIONS: FINANCIAL INCLUSION OF POOR THROUGH COMMUNITY INSTITUTIONS IN INDIA
DESIGNING AND IMPLEMENTING LAST- MILE SERVICE DELIVERY SOLUTIONS AND INNOVATIONS: FINANCIAL INCLUSION OF POOR THROUGH COMMUNITY INSTITUTIONS IN INDIA Livelihoods Story Incomes Expenses Wage Income 53%
More informationIMPLEMENTATION COMPLETION AND RESULTS REPORT (Cr IN) ON A CREDIT IN THE AMOUNT OF XDR MILLION (US$ MILLION EQUIVALENT) TO THE
Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Document of The World Bank IMPLEMENTATION COMPLETION AND RESULTS REPORT (Cr. 3732-IN)
More informationCan RLP (Rural Livelihood Project) and WSP (Water & Sanitation Project) collaborate? Shouvik Mitra Consultant SASDL - WB
Can RLP (Rural Livelihood Project) and WSP (Water & Sanitation Project) collaborate? Shouvik Mitra Consultant SASDL - WB Understanding RLP Broad objectives Targeting the poor, poorest and most vulnerable
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 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 informationJEEViKA Bihar Rural Livelihoods Promotion Society State Rural Livelihoods Mission (SRLM), Govt. of Bihar
CONVERGENCE ----- MGNREGS (20 th Dec,12) JEEViKA Bihar Rural Livelihoods Promotion Society State Rural Livelihoods Mission (SRLM), Govt. of Bihar JEEViKA : at a Glance BRLPS registered in 2006 & JEEViKA
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 informationSunrise Andhra Pradesh Achieving Sustainable Development Goals by 2030
Sunrise Andhra Pradesh Achieving Sustainable Development Goals by 2030 Promote sustained, inclusive and sustainable economic growth, full and productive employment and decent work for all. Towards Double
More informationStudy Report on Rice Credit Line in Guntur District: Andhra Pradesh
Study Report on Rice Credit Line in Guntur District: Andhra Pradesh In keeping with the development commitment of the state and as envisaged in Swarnandhra Pradesh ' Vision 2020 ' policy document, Andhra
More informationAccessFinance A Newsletter Published by the Financial & Private Sector Development Vice Presidency
The World Bank Group August 2006 Issue No. 13 AccessFinance A Newsletter Published by the Financial & Private Sector Development Vice Presidency Access to Insurance for the Poor - The Case of Indira Kranti
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 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 informationEvaluation of TUP in Pakistan Midline Results
Evaluation of TUP in Pakistan Midline Results 1. Introduction This briefcase presents the intermediary results of the impact evaluation of Targeting the Ultra Poor (TUP) in Pakistan. TUP project is the
More informationCommissioner General Of Samurdhi Ministry of Economic Development Si Sri Lanka
Chandra Wickramasinghe Commissioner General Of Samurdhi Ministry of Economic Development Si Sri Lanka Country Profile The Democratic Socialist Republic of Sri Lanka A Picturesque Tropical Island in South
More informationRegulation of Microfinance Institutions in India
Regulation of Microfinance Institutions in India Santadarshan Sadhu, Kenny Kline, Justin Oliver CMF-IFMR 20 th April 2011 Study Outline Microfinance sector - overview Analysis of the existing regulatory
More informationPROJECT INFORMATION DOCUMENT (PID) APPRAISAL STAGE Report No.: AB4152 Second Madhya Pradesh District Poverty Initiatives Project Project Name
Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized PROJECT INFORMATION DOCUMENT (PID) APPRAISAL STAGE Report No.: AB4152 Second Madhya Pradesh
More informationCountry Practice Area(Lead) Additional Financing India Agriculture P130546
Public Disclosure Authorized Independent Evaluation Group (IEG) 1. Project Data Report Number : ICRR0020734 Public Disclosure Authorized Public Disclosure Authorized Project ID P090764 Project Name IN:
More informationChallenges in implementing SDGs, Paris Climate Agreement. Ms. Tuhina Sinha, Asst. Professor, SPA, JNAFAU, Hyderabad
Challenges in implementing SDGs, Paris Climate Agreement Ms. Tuhina Sinha, Asst. Professor, SPA, JNAFAU, Hyderabad Paris Agreement Background The adoption of a new climate change agreement at the 21st
More informationManagement Information System (MIS): MIS Major Outcome Linkage Loan above equal or above 8lakhs Scope of the Study
Microfinance & MIS I. Micro Finance: Microfinance simply means the provision of thrift, credit and other financial services and products of very small amounts to the poor in rural, semi urban or urban
More informationTanzania Community-Based Conditional Cash Transfer (CB-CCT) Pilot
Tanzania Community-Based Conditional Cash Transfer (CB-CCT) Pilot David Evans HD Week TESTING COMMUNITY-BASED CONDITIONAL CASH TRANSFERS November 12, 2008 1 Introduction This is the first time that: i)
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 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 informationS. Hashemi and W. Umaira (2010), New pathways for the poorest: the graduation model from BRAC, BRAC Development Institute, Dhaka.
1 Introduction Since 211 Concern Worldwide-Rwanda, in partnership with a local partner, Services au Développement des Associations (SDA-IRIBA) and with financial support from Irish Aid, have implemented
More informationDraft ToR for Thematic study on Financial inclusion Interventions, Challenges and Lessons under NERLP
Draft ToR for Thematic study on Financial inclusion Interventions, Challenges and Lessons under NERLP 1. Background NERLP is a World Bank funded rural poverty reduction project of the Ministry of Development
More informationSAMRUDHI Micro Fin Society
SAMRUDHI Micro Fin Society Update & Renewal for Asha fellowship SAMRUDHI is a responsible civil society to work with the rural & urban poor women to reinforce their efforts to rise, remain, above the poverty
More informationAn Evaluation of Rural Social Service Programme of the Government of Bangladesh
An Evaluation of Rural Social Service Programme of the Government of Bangladesh M Harunur Rashid Bhuyan Sharifa Begum S M Zahedul Islam Chowdhury Maruf Ahmed December 6, 2017 Introduction Outline of the
More informationBRINGING FINANCE TO RURAL PEOPLE MACEDONIA S CASE
Republic of Macedonia Macedonian Bank for Development Promotion Agricultural Credit Discount Fund BRINGING FINANCE TO RURAL PEOPLE MACEDONIA S CASE Efimija Dimovska EastAgri Annual Meeting October 13-14,
More informationLifting People Out of Extreme Poverty through a Comprehensive Integrated Approach
Lifting People Out of Extreme Poverty through a Comprehensive Integrated Approach Expert Group Meeting UNDESA June 2016 What is BRAC? BRAC is a development success story spreading anti-poverty solutions
More informationPOLICY BRIEF DOES SAVINGS HELP WOMEN IN SUB-SAHARAN AFRICA TO SAVE, INVEST, AND INCREASE CONSUMPTION?
Growth and Economic Opportunities for Women POLICY BRIEF DOES SAVINGS HELP WOMEN IN SUB-SAHARAN AFRICA TO SAVE, INVEST, AND INCREASE CONSUMPTION? Trends suggest that savings promotion interventions are
More informationCASE STUDY 4 The Experience of SEWA
CASE STUDY 4 The Experience of SEWA This paper explores the Self Employed Women s Association s (SEWA) experience using microfinance and safety nets to increase disaster resilience among the rural poor
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 informationBSE: NSE: SATIN CSE: Corporate Identity No. L65991DL1990PLC Familiarization Programme for Independent Directors
BSE: 539404 NSE: SATIN CSE: 30024 Corporate Identity No. L65991DL1990PLC041796 Familiarization Programme for Independent Directors Microfinance Through Window of Relevance Micro-finance is defined as financial
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 informationThe Effects of Rainfall Insurance on the Agricultural Labor Market. A. Mushfiq Mobarak, Yale University Mark Rosenzweig, Yale University
The Effects of Rainfall Insurance on the Agricultural Labor Market A. Mushfiq Mobarak, Yale University Mark Rosenzweig, Yale University Background on the project and the grant In the IGC-funded precursors
More informationMicrocredit in Partial and General Equilibrium Evidence from Field and Natural Experiments. Cynthia Kinnan. June 28, 2016
Microcredit in Partial and General Equilibrium Evidence from Field and Natural Experiments Cynthia Kinnan Northwestern, Dept of Economics and IPR; JPAL and NBER June 28, 2016 Motivation Average impact
More informationChallenges to Financial Inclusion in India: The Case of Andhra Pradesh
Challenges to Financial Inclusion in India: The Case of Andhra Pradesh S. Ananth and T. Sabri Öncü Estimated Scale of Financial Exclusion The scale of financial exclusion is phenomenally large in India.
More informationLIST OF TABLES Census wise Sex Ratio in India 100
LIST OF TABLES 1. 1.1 Progress of Microfinance as on 31 st March 2009. 05 2. 2.1 3. 2.2 Share of rural household debt by source of credit, All India, 1951-1991 Advances to Agriculture and Other Priority
More informationAl-Amal Microfinance Bank
Impact Brief Series, Issue 1 Al-Amal Microfinance Bank Yemen The Taqeem ( evaluation in Arabic) Initiative is a technical cooperation programme of the International Labour Organization and regional partners
More informationWelcome to Presentation of Twelfth Five Year Plan and Annual Plan Proposal Madhya Pradesh. May 11, 2012
Welcome to Presentation of Twelfth Five Year Plan and Annual Plan Proposal Madhya Pradesh May 11, 2012 1 ACHIEVEMENTS OF ELEVENTH PLAN (ECONOMY) Targets and Achievement Sector Target for Growth Expected
More informationOPPORTUNITY S MICROFINANCE IMPACT IN INDIA: Growth, Innovation, and Client Impact
OPPORTUNITY S MICROFINANCE IMPACT IN INDIA: Growth, Innovation, and Client Impact SUMMARY In India, Opportunity and its subsidiary Dia Vikas Capital partner with Indian microfinance institutions to provide
More informationKNOWLEDGE PARTNERSHIP PROGRAMME. Community Based Women Empowerment Initiatives in India
KNOWLEDGE PARTNERSHIP PROGRAMME Community Based Women Empowerment Initiatives in India IPE Global Submitted to Department for International Development (DFID) July 2013 TABLE OF CONTENTS KUDUMBASHREE,
More informationFISCAL STRATEGY PAPER
REPUBLIC OF KENYA MACHAKOS COUNTY GOVERNMENT THE COUNTY TREASURY MEDIUM TERM FISCAL STRATEGY PAPER ACHIEVING EQUITABLE SOCIAL AND ECONOMIC DEVELOPMENT IN MACHAKOS COUNTY FEBRUARY2014 Foreword This Fiscal
More informationList of NSSO Data CDs Available in Data Bank
List of NSSO Data CDs Available in Data Bank Sl. NSSO Round Title Contents Location / CD No. 1 NSS Round 38 th (1.0) Household Consumption Expenditure CD348 2 NSS Round 38 th (10) CD349 3 NSS Round 42nd
More informationA CASE STUDY ON THE DEVELOPMENT OF SCHEDULDED CAST IN ANDHRA PRADESH NEAR GUNTUR REGION
A CASE STUDY ON THE DEVELOPMENT OF SCHEDULDED CAST IN ANDHRA PRADESH NEAR GUNTUR REGION Y. RAVI CHANDRASEKHAR BABU 1* 1. SKBR GOVERNMENT DEGREE COLLEGE MACHERLA. GUNTUR DIST. ANDHRA PRADESH, INDIA Abstract
More informationImpact Assessment of Microfinance For SIDBI Foundation for Micro Credit (SFMC)
Impact Assessment of Microfinance For SIDBI Foundation for Micro Credit (SFMC) Phase 1 Report July 2001 March 2002 By Putting people first EDA Rural Systems Pvt Ltd 107 Qutab Plaza, DLF Qutab Enclave-1,
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 informationPUDHU VAAZHVU The World Bank funded Project
TAMIL NADU EMPOWERMENT AND POVERTY REDUCTION PROJECT PUDHU VAAZHVU The World Bank funded Project About the Project A key Project of World Bank in Tamil Nadu to address inequity and to promote inclusive
More informationThe Transformative and Emancipatory Potential of Basic Income. Evidence from India s Pilot Study
The Transformative and Emancipatory Potential of Basic Income Evidence from India s Pilot Study Pilot Location Features of the Pilot Universal (within each village) Unconditional Individual Monthly Cash
More informationKalajhinin Mahila SHG
Kalajhinin Mahila SHG It has been demonstrated that the provision of credit for the rural poor would result in significant productivity increases. The poor require a range of financial services, such as
More informationSELF HELP GROUPS-BANK LINKAGE PROGRAMME : A RECURRENT STUDY IN ANDHRA PRADESH RESEARCH & ADVOCACY UNIT APMAS
SELF HELP GROUPS-BANK LINKAGE PROGRAMME : A RECURRENT STUDY IN ANDHRA PRADESH RESEARCH & ADVOCACY UNIT APMAS 1 BACKGROUND OF THE STUDY In 2003 APMAS conducted a study on SHG Bank Linkage More no. of SHGs
More informationOutline. Why a national financial inclusion strategy? Why digital? Where we want to go targets. Where we are now context.
National Financial Inclusion Strategy: Strategic Considerations Outline Why a national financial inclusion strategy? Why digital? Where we want to go targets Where we are now context Key thrusts Exploring
More informationA Multi Sectoral Approach To Health (UNDP Aided) Project Management Unit (SWAJAL) Deptt. Of Rural Development, Govt.
A Multi Sectoral Approach To Health (UNDP Aided) Project Management Unit (SWAJAL) Deptt. Of Rural Development, Govt. Of Uttar Pradesh 2 Structure Background Study and findings Action Plan 3 Background
More informationJane Namuddu, Stephen Barrett, Augustine Wandera and Beatrice Okillan & Stephen Kasaija
Evidence on Graduation fron Uganda s Social Assistance Grants for Empowerment (SAGE) Scheme and the Feasibility of Promoting Sustainable Livelihoods for Labour Constrained Households through a Linkages
More informationSHG-Bank Linkage Programme: A Study on Loan Default and Recovery
National Seminar on Micro Finance Sector in India Issues & Challenges (10 th September 2011) Organized by Gitam School of International Business Gitam University, Visakhapatnam Presentation on SHG-Bank
More information4th ICIB Ministry of Planning Development & Reform Conference Secretariat: Mr. Ikram Ullah Khan Mr. Ehtesham Rashid
ICIB 4 th International Conference on Islamic Business 2016 Quaid-e-Azam Auditorium, IIUI Faisal Masjid Campus, Islamabad, Pakistan 20-22 February, 2016 Organized By: riphah international university riphah
More informationAsha for Education Fellowship Application Form
Asha for Education Fellowship Application Form SECTION I: Personal Contact Information Name : Sanju Kumar Address : H.No.144, 2 nd Cross, Behind Bus Stand C.I.B Colony, Gulbarga-585104 Karnataka State,
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 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 informationSouthern Punjab Poverty Alleviation Project (SPPAP)
Southern Punjab Poverty Alleviation Project (SPPAP) Initial Impact of Community Revolving Funds for Agriculture Input Supply (CRFAIS) ~A Pilot Activity of SPPAP National Rural Support Programme (NRSP)
More informationWelcome to the presentation on
Welcome to the presentation on Poverty Reduction strategy in Bangladesh : Estimating and Monitoring of Poverty Mu. Mizanur Rahman Khandaker Deputy Director National Accounting Wing Bangladesh Bureau of
More informationTherefore we will request you to display in the website of the stock exchanges to the benefit of the investor community.
Ref: SECT: STOC: 61-18 1 st November, 2018 To The Secretary, The Stock Exchange, Mumbai Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai - 400 001 To The Manager, Listing Department, National Stock Exchange
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 informationSeptember. EMN POLICY NOTE on the EMN Overview of the Microcredit Sector in the European Union
September 2014 EMN POLICY NOTE on the EMN Overview of the Microcredit Sector in the European Union 2012-13 EMN POLICY NOTE Steady growth of microcredit provision in value and number of microloans surveyed
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 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 informationUniversalism vs targeted social policy: Philippines experience in addressing the challenges facing the poor and disadvantaged and marginalized groups
Universalism vs targeted social policy: Philippines experience in addressing the challenges facing the poor and disadvantaged and marginalized groups Rosemarie G. Edillon, PhD 1 Introduction Sir John Maynard
More informationPoverty Reduction and Women Empowerment: Role of SHG Federations in Urban Areas APMAS Experiences
Poverty Reduction and Women Empowerment: Role of SHG Federations in Urban Areas APMAS Experiences By C.S. Reddy & M.B.S. Reddy A paper submitted to National Workshop on Urban Poverty Eradication Strategies
More informationSegment -1 (Background)
National Rural Livelihood Mission (NRLM): Segment -1 (Background) National Rural Livelihood Mission (NRLM) was launched by Ministry of Rural Development, GoI by restructuring Swaranjayanti Gram Swarozgar
More informationBajaj Allianz Micro Insurance Initiative - India Case Study
Bajaj Allianz Micro Insurance Initiative - India Case Study 9th International Micro Insurance Conference 2013 14 th November 2013, Jakarta Presented by - Yogesh Gupta Senior Vice President & Head Business
More informationOrganization Title: Alternative for India Development
Project Title:Women led pathway for change through kiosk banking, Jharkhand Organization Title: Alternative for India Development Team Members:Dr.K.T.Arasu, Director, Mr.Saroz Alam, Project Manager, Mr.Om
More informationDeterminants of Micro-Credit Borrowings Rural SHG Women in North Coastal Andhra Pradesh (A Regression Analysis)
Determinants of Micro-Credit Borrowings Rural SHG Women in North Coastal Andhra Pradesh (A Regression Analysis) Gattu Raju Kumar Lecturer in Commerce, Govt. Degree College, Chodavaram, Visakhapatnam Dist,
More informationWomen s Economic Empowerment Update
Gender Equality and Financial Services for the Poor Women s Economic Empowerment Update 2018 Bill & Melinda Gates Foundation AREAS I WILL COVER TODAY The Gates Foundation s new Gender Equality Strategy:
More informationE Distribution: GENERAL. Executive Board Second Regular Session. Rome, October September 2007 ORIGINAL: ENGLISH
Executive Board Second Regular Session Rome, 22 26 October 2007! E Distribution: GENERAL 11 September 2007 ORIGINAL: ENGLISH Cost (United States dollars) Current budget Increase Revised budget WFP food
More informationInvestment for development: Investing in the Sustainable Development Goals: An Action Plan
TRADE AND DEVELOPMENT BOARD 61 st Session Agenda Item 9 Investment for development: Investing in the Sustainable Development Goals: An Action Plan Geneva, 17 September 2014 Statement by James Zhan Director
More informationMotivation. Research Question
Motivation Poverty is undeniably complex, to the extent that even a concrete definition of poverty is elusive; working definitions span from the type holistic view of poverty used by Amartya Sen to narrowly
More informationNATIONAL FEDERATION OF STATE COOPERATIVE BANKS (NAFSCOB) J.K. CHAMBERS, PLOT NO. 76, SECTOR-17, VASHI, NAVI MUMBAI , INDIA Phone:
NATIONAL FEDERATION OF STATE COOPERATIVE BANKS (NAFSCOB) J.K. CHAMBERS, PLOT NO. 76, SECTOR-17, VASHI, NAVI MUMBAI 400 703, INDIA Phone: 91-22-27892741/27892697/27892738. Fax: 91-22-27892604 E-mail: nafscob@nafscob.org/
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 informationCONTENTS CHAPTER 1 INTRODUCTION
Particulars LIST OF TABLES LIST OF FIGURES LIST OF APPENDIX LIST OF ANNEXURE ABBREVIATIONS CONTENTS Page No. CHAPTER 1 INTRODUCTION 1-17 1.1 1.2 1.3 1.4 1.5 1.6 1.7 1.8 Trends in Poverty at National and
More informationRURAL ENTERPRISE DEVELOPMENT SECTOR
RURAL ENTERPRISE DEVELOPMENT SECTOR Final Documentation Report People Women Empowerment Program Report Generated by: Monitoring Evaluation & Research Section Rural Credit Enterprise Development Sector
More informationThe promise and the perils of microfinance ABHIJIT BANERJEE 14.73
The promise and the perils of microfinance ABHIJIT BANERJEE 14.73 1 The case for microfinance What are the elements of the case beig built up in the microfinance movie? That the poor have poor access to
More informationEMPOWERING WOMEN STREET VENDORS THROUGH MICRO- FINANCING: A STUDY IN SIVASAGAR TOWN OF ASSAM
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
More informationHüsnü M. Özyeğin Foundation Rural Development Program
Hüsnü M. Özyeğin Foundation Rural Development Program Bitlis Kavar Pilot Final Impact Evaluation Report (2008-2013) Date: March 5, 2014 Prepared for Hüsnü M. Özyeğin Foundation by Development Analytics
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 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 informationPresentation Structure
Housing Finance in South Asia,,J Jakarta May 27-29, 29, 2009 Low Income Housing Finance R. V. Verma National Housing Bank India Presentation Structure I. General Economic Trends II. Trends in Housing Finance
More informationOFFICIAL DO CUMENTS INDIA
Public Disclosure Authorized OFFICIAL DO CUMENTS INDIA Supplemental Letter May 7, 2018 Public Disclosure Authorized International Bank for Reconstruction and Development 1818 H Street, N.W. Washington,
More informationAfrica s Fastest Fintech
Africa s Fastest Fintech Social Impact Evaluation September 2018 Who we are Since 2013 4G Capital has been developing and supporting MSMEs in East Africa by providing financial literacy and business training
More informationProductive Accompanying Measures to Safety Nets in the Sahel ASP Program: the case of Niger
Productive Accompanying Measures to Safety Nets in the Sahel ASP Program: the case of Niger Building Household Resilience through Productive Inclusion Ms. Yahaya Saadatou Mallam Barmou Deputy of the Director
More informationTHE SILC FINANCIAL DIARIES
THE SILC FINANCIAL DIARIES Expanding Financial Inclusion in Africa Research Program October 2017 ERIC NOGGLE RESEARCH DIRECTOR MICROFINANCE OPPORTUNITIES Copyright 2017 Catholic Relief Services. All rights
More informationSHG-Bank Linkage in Andhra Pradesh: A Success Story
International Journal of Managerial Studies and Research (IJMSR) Volume 6, Issue 3, March 2018, PP 25-33 ISSN 2349-0330 (Print) & ISSN 2349-0349 (Online) http://dx.doi.org/10.20431/2349-0349.0603004 www.arcjournals.org
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 informationInstitute for Financial Management and Research. Centre for Micro Finance. Working Paper. June 2013
Institute for Financial Management and Research Centre for Micro Finance Working Paper June 2013 Assessing the Effect of Andhra Pradesh Microfinance Crisis on the Access to Finance of the MFI Clients Santadarshan
More informationUltra-Poor Graduation Approach
Ultra-Poor Graduation Approach Syed M Hashemi May 2017 ABOUT BRAC WHERE WE WORK Founded in 1972 in Bangladesh, today BRAC is one of the largest development organizations in the world with 110,000+ staff
More informationStrategic Development Partnership Framework
Strategic Development Partnership Framework GOVERNMENT OF KHYBER PAKHTUNKHWA 2 ND OCTOBER 2013 The PTI-led coalition government of Khyber Pakhtunkhwa wishes to deepen and accelerate the partnership for
More informationWOMEN EMPOWERMENT THROUGH SHGS A study of Nizamabad district, Andhra Pradesh
WOMEN EMPOWERMENT THROUGH SHGS A study of Nizamabad district, Andhra Pradesh For Indira Kranthi Patham (IKP) Nizamabad District August 2007 APMAS Hyderabad APMAS Study Team K. Raja Reddy, Associate Vice
More informationGlobal Evidence on Impact Evaluations: Public Works Programs
Global Evidence on Impact Evaluations: Public Works Programs SIEF Workshop on Social Protection Accra, Ghana, May 24-28 th 2010 Emanuela Galasso Development Research Group The World Bank Setting the stage:
More informationBihar Budget Analysis
-1. -0. 1.6% 4. 6.6% 5. 4.9% 8. 7. 10. 10. 14. Bihar Budget Analysis The Finance Minister of Bihar, Mr. Sushil Kumar Modi, presented the Budget for financial year on February 27, 2018. Budget Highlights
More informationBihar: What is holding back growth in Bihar? Bihar Development Strategy Workshop, Patna. June 18
Bihar: What is holding back growth in Bihar? Bihar Development Strategy Workshop, Patna. June 18 Ejaz Ghani World Bank. Structure of Presentation How does Bihar compare with other states? What is constraining
More informationIntegrating Simulation and Experimental Approaches to Evaluate Impacts of SCTs: Evidence from Lesotho
Integrating Simulation and Experimental Approaches to Evaluate Impacts of SCTs: Evidence from Lesotho J Edward Taylor, Anubhab Gupta, Mateusz Filipski, Karen Thome, Benjamin Davis, Luca Pellerano and Ousmane
More informationAn approach towards self-reliance and sustainability of the SHG sector in India: SHG Sector Own Control
An approach towards self-reliance and sustainability of the SHG sector in India: SHG Sector Own Control Prof. (emeritus) Dr. Hans Dieter Seibel Published in: The microfinance REVIEW, Vol-IV No-1 (Jan-Jun
More information