Microfinance India Book in PDF, ePub and Kindle version is available to download in english. Read online anytime anywhere directly from your device. Click on the download button below to get a free pdf file of Microfinance India book. This book definitely worth reading, it is an incredibly well-written.
Author : Sohini Kar Publisher : South Asia in Motion Page : 0 pages File Size : 51,6 Mb Release : 2018 Category : Business & Economics ISBN : 1503604845
Introduction : enfolding the poor -- Entrepreneurship and work at the "bottom of the pyramid"--Social banking to financial inclusion -- The reluctant moneylender -- The domestication of microfinance -- Financial risk and the moral economy of credit -- Insured death, precarious life
Women, Microfinance and the State in Neo-liberal India by K. Kalpana Pdf
This book discusses women-oriented microfinance initiatives in India and their articulation vis-à-vis state developmentalism and contemporary neo-liberal capitalism. It examines how these initiatives encourage economically disadvantaged rural women to make claims upon state-provided microcredit and connect with multiple state institutions and agencies, thereby reshaping their gendered identities. The author shows how Self-Help Group (SHG)-based microfinance institutions mobilise agency and create channels of empowerment for women as well as make them responsible for alleviating poverty for themselves and their families. The book also brings out the importance of factoring in women’s dissenting voices when they negotiate developmental projects at the grassroots level. Rich in empirical data, this volume will be useful to scholars and researchers of development studies, gender studies, economics, especially microeconomics, politics, public policy and governance.
The microfinance sector in India has been growing rapidly in both scale and institutional diversity, making it the largest in the world. Indian Microfinance: The Challenges of Rapid Growth is a comprehensive account of various components of the Indian microfinance sector. It provides an overview of the main challenges facing the sector, the progress of its main delivery models, issues relating to the emerging microfinance services of microinsurance and money transfers, ongoing efforts in training and capacity building, opportunities facing commercial financiers such as bankers and social venture capitalists, and an account of ongoing research in the sector. Apart from containing extensive original material, the book synthesizes the findings of other recent studies and reports. It identifies various requirements for policy and regulatory change, a contribution which is particularly timely in view of the new microfinance bill being considered by the central government. The book takes note of the lessons from the conflict in 2006 between the state government of Andhra Pradesh and MFIs in the state, which is analyzed in a separate chapter. The main challenge facing the sector is identified as the need to enhance borrower, public and regulatory support and understanding, by increasing transparency in dealings with borrowers and by educating the public. Lucidly written, the book will serve as a reference document for various players in the sector including practitioners, bankers, insurance companies, venture capitalists, regulators, donors and policy makers, and for the development community generally. Given heightened interest in the sector with the Nobel Prize awarded to Muhammad Yunus and the Grameen Bank, it will also be of interest to academicians, media persons and the intelligent layman. Book jacket.
Sustainability of Indian Microfinance Institutions by Nadiya Marakkath Pdf
Although 'doing good' is our innate nature, we often get lost in the complexities and view goodness as a distant dream. Making this dream of goodness a reality is often thwarted by thoughts surrounding sustainability. Thus, all good initiatives require a focus on sustainability and this has become one of greatest and most formidable challenges faced by any social enterprise. The book documents the understanding of the sustainability of one of the most celebrated forms of social enterprise of our times — Microfinance Institutions (MFIs) gained through a mixed-methods research investigation. It attempts to answer pertinent questions such as: What are the determinant and discriminating factors for the sustainability of MFIs in India? How are these factors being managed by the operationally efficient Indian MFIs that remained sustainable at reasonable interest rates before the onset of the crisis and ceilings imposition in Indian microfinance markets? What does the Indian microfinance crisis teach us about sustainability management and mismanagement? In a nutshell, the answers show that sustainability is a strategic issue that needs managerial attention and not a matter to be left to serendipity. At a time when the industry is recovering from the adverse effects of a crisis and when there are still contentions as to whether the rate fixed by the regulator is enough for the sustenance of the MFIs, the findings mentioned in the book revive the lost hope for the Indian microfinance industry. By deciphering the strategies used by efficient and sustainable MFIs and discussing the lessons that the crisis has imparted to the Indian microfinance markets, this book will enable Indian MFIs to march towards efficient and sustainable operations without losing focus on their clients.
In Making Women Pay, Smitha Radhakrishnan explores India's microfinance industry, which in the past two decades has come to saturate the everyday lives of women in the name of state-led efforts to promote financial inclusion and women's empowerment. Despite this favorable language, Radhakrishnan argues, microfinance in India does not provide a market-oriented development intervention, even though it may appear to help women borrowers. Rather, this commercial industry seeks to extract the maximum value from its customers through exploitative relationships that benefit especially class-privileged men. Through ethnography, interviews, and historical analysis, Radhakrishnan demonstrates how the unpaid and underpaid labor of marginalized women borrowers ensures both profitability and symbolic legitimacy for microfinance institutions, their employees, and their leaders. In doing so, she centralizes gender in the study of microfinance, reveals why most microfinance programs target women, and explores the exploitative implications of this targeting.
Changing Contours of Microfinance in India by Jayadev M.,Diatha Krishna Sundar Pdf
This book brings together empirical evidences and theoretical perspectives to provide a comprehensive overview of the microfinance sector in India. The essays in the volume: focus on the application of information and communication technology (ICT) solutions in microfinance institutions to strengthen the savings movement and widen credit access to the poor and marginalized sections of society; present case studies on self-help group (SHG) movements, federations and SHG-Bank Linkage programmes; propose measures for strengthening regulatory and governance structures of the microfinance sector; and identify linkages between overall financial inclusion and the contribution of microfinance institutions (MFIs). The volume will be indispensable for scholars and researchers of microeconomics, South Asian economics and development economics as well as professionals and aspirants in the microfinance, rural banking and financial inclusion sectors.
This volume presents a comprehensive analysis of microfinance initiatives in India. Through substantive field research and case studies ranging across the country, it examines Indian microfinance within its distinct socio-economic realities — the role of women, financial inclusion, rural entrepreneurship, and innovation — its interactions with multiple institutions, the challenges, as well as future directions.
Microfinance in India provides an informative and holistic status of microfinance in the country and suggests a road map for the future. A valuable source of information for policy makers, Finance and Management students, and professionals alike, it is a collection of essays by experts from diverse backgrounds on topical themes that capture the complexities of the continuously evolving microfinance sector in India. It covers major microfinance delivery models in an unbiased manner through well-researched articles.The book provides an overview on microfinance institutions and measures that help promote the same. Among other things, it reflects upon the challenges faced by the dominant credit delivery model, i.e., SHG-Bank Linkage Programme and issues related to the emerging microfinance institutions (MFIs). It also dwells upon innovations in the microfinance sector and the efforts being made to evolve new models such as SHG Federations.
The Essential Microfinance by A Ramesh Kumar ,Moin Qazi Pdf
"This book is an exhaustive handbook on microfinance covering more than 600 concepts and ideas .Since poverty alleviation remains a top agenda for development programs and microfinance has proved the most effective approach for combating it, there was a growing demand among students, academics, journalists, bankers and general readers for a handy companion on microfinance. The text examines what has become a vast global industry employing hundreds of thousands of people and attracting the attention of large numbers of governments, banks, aid agencies, non-governmental organizations and consultancy firms. In this book the authors try to help students, who are relatively new to microfinance, practitioners looking for an entry point into the vast academic literature, and policy makers to become acquainted with the main ideas and debates about microfinance. The main objective of the book is to equip the reader with sound understanding of the various concepts in microfinance and their relevance to contemporary financial programmes so that the user is in a position to process business proposals in microfinance. "
Women, Microfinance and the State in Neo-liberal India by K. Kalpana Pdf
This book discusses women-oriented microfinance initiatives in India and their articulation vis-à-vis state developmentalism and contemporary neo-liberal capitalism. It examines how these initiatives encourage economically disadvantaged rural women to make claims upon state-provided microcredit and connect with multiple state institutions and agencies, thereby reshaping their gendered identities. The author shows how Self-Help Group (SHG)-based microfinance institutions mobilise agency and create channels of empowerment for women as well as make them responsible for alleviating poverty for themselves and their families. The book also brings out the importance of factoring in women’s dissenting voices when they negotiate developmental projects at the grassroots level. Rich in empirical data, this volume will be useful to scholars and researchers of development studies, gender studies, economics, especially microeconomics, politics, public policy and governance.
Microfinance in India: A State of the Sector Report, 2007 is one in a series of annual reports on the microfinance sector in India. It is a comprehensive one-stop document that provides a holistic view of the sector, providing a detailed analysis of its status and future. It highlights recent developments under each of the two main models of microfinance in India -the SHG and MFI models. Most significantly, it engages with issues of topical interest such as the microfinance bill pending in parliament in a balanced and objective manner, and focuses on policy issues that need the attention of decision makers. The book carries a statistical appendix which provides essential data on the sector, and strengthens its utility as a reference document. It will be of interest to various players in the sector including practitioners, bankers, insurance companies, venture capitalists, regulators, donors and academics.
Financial Inclusion and Livelihood Transformation by Srimoyee Datta,Tarak Nath Sahu Pdf
This book explores the role and effect of Microfinance Institutions (MFIs) with different dimensions. It is being supported with strong empirical evidence into various parameters of MFIs directed towards inclusive finance and the transformation journey of livelihoods of its beneficiaries. It also incorporates empirical evidence with the perception of both beneficiaries and non-beneficiaries. Starting its journey toward the path of comprehending how MFIs make their footprint among the excluded population in the selected areas, it incorporates the different outcomes of MFI lending like credit utilisation patterns, income generation, and employability. As financial stability helps to break out the vicious cycle of poverty, this book emphasises the self-dependent element for the beneficiaries and their households. It addresses the important issue of the female counterparts in society. It shows how the MFIs work actively to generate female empowerment from multiple dimensions among the selected communities. It addresses key issues to consider for inclusive policy formulation, especially for backward communities in the backward areas and gives a realistic scenario of the MFI activities, their interactions with the respondents, the various outcomes, and areas for further developments, etc. This book is beneficial for academicians, researchers, and policymakers.
