The Role Of Microfanance Institutions In Improving Livelihood

Author : Ayalew Sida
Publisher : GRIN Verlag
Page : 53 pages
File Size : 44,9 Mb
Release : 2014-08-13
Category : Business & Economics
ISBN : 9783656718604

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The role of microfanance institutions in improving livelihood by Ayalew Sida Pdf

Seminar paper from the year 2013 in the subject Business economics - Operations Research, grade: A, , language: English, abstract: Livelihoods are ‘means of making a living’, the various activities and resources that allow people to live. It comprises the capabilities, assets (including both material and social) and activities required for a means of living. Thus, microfinance programs have been considered as one of the main instruments in livelihood improvement in recent development agenda. Microfinance comprises the provision of financial services including credit and other facilities like savings, insurance, and transfer services to poor household. The study was conducted in Geniji-Dalecho and Bulbulo kebeles among 35 target kebeles of the OCSSCO. The main objective of the study is to identify the contribution of OCSSCO in improving household livelihood through providing credit. Further, the study used both primary and secondary data sources. The primary data was collected with semi-structured interview and focus group discussion from sampled respondents; whereas, secondary data gathered from different documents of the microfinance institution that exists in the study area. Stratified random sampling was used to select 60 respondents (35 beneficiaries and 25 non-beneficiaries) based on the principle of probability proportional to size (pps). Generally, Microfinance Institutions have an explicit potential that intends to improve the livelihoods of households. While improving livelihood, microfinance (OCSSCO) credit service increases the income of the clients; which, in turn, enable them educating their children and improves their nutritional status. Inferential statistics such as crosstabs; independent sample t-test and custom table are used in data analysis. Descriptive statistics like frequency, percentage, mean and standard deviation were employed to analyze the data. Chi-square (for categorical variables) and t-test (for continuous variables) were used to see the significance of the relationships of independent variables with dependent variables. Moreover, the qualitative data was analyzed by describing, summarizing and interpreting for further clarity. Finally, conclusion and recommendation were made based on the findings obtained from result and discussion. Key words: assets, client, role, microfinance institution, livelihood,

Author : Srimoyee Datta,Tarak Nath Sahu
Publisher : Springer Nature
Page : 215 pages
File Size : 48,9 Mb
Release : 2023-08-28
Category : Business & Economics
ISBN : 9789819941414

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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.

Author : Veselin Rakocevic,Katarina Stanoevska-Slabeva,Luigi Telesca
Publisher : Springer
Page : 196 pages
File Size : 41,7 Mb
Release : 2010-01-04
Category : Computers
ISBN : 9783642115325

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Digital Business by Veselin Rakocevic,Katarina Stanoevska-Slabeva,Luigi Telesca Pdf

This volume contains the proceedings of the First International ICST Conference on Digital Business (DigiBiz 2009), hosted by City University London in London, UK. This annual event had the main objective to stimulate and disseminate research results and experimentation on future Digital Business to a wider multidisciplinary forum that would allow the participants to cross the boundaries between research and business. The scientific offering in e-business, e-commerce, and ICT in general is quite broad and spans many different research themes, involving several communities and me- odologies. The growth and dynamic nature of these research themes pose both ch- lenges and opportunities. The challenges are in having scientists and practitioners talk to each other: despite the fact that they work on similar problems they often use very different languages in terms of research tools and approaches. The opportunities on the other hand arise when scientists and practitioners engage in multidisciplinary d- cussions leading to new ideas, projects and products.

Author : Amit K. Bhandari,Ashok Kundu
Publisher : Springer Science & Business Media
Page : 201 pages
File Size : 40,6 Mb
Release : 2013-08-15
Category : Business & Economics
ISBN : 9788132212843

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Microfinance, Risk-taking Behaviour and Rural Livelihood by Amit K. Bhandari,Ashok Kundu Pdf

This book offers an in-depth analysis of borrowing and risk taking behavior of rural people, with the aim of designing effective financial products and service delivery in the rural market. Includes analysis of government schemes to promote rural development.

Author : Aaron Alesane
Publisher : Taylor & Francis
Page : 407 pages
File Size : 47,8 Mb
Release : 2022-12-30
Category : Business & Economics
ISBN : 9781000828733

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Microfinance, Livelihoods and Poverty Reduction in Ghana by Aaron Alesane Pdf

This book assesses the role of microfinance in the construction of livelihoods for poverty reduction in the Northern Savannah of Ghana, analysing the current microfinance landscape and financial services in the region. The book analyses the current microfinance landscape and financial services in Ghana. In doing so, it demonstrates the key factors for designing microfinance products and services to ensure greater uptake and outreach enhancing the sustainability of microfinance service providers. Chapters explore the impact of access to microfinance on livelihood diversification, asset accumulation patterns and welfare outcomes. In addition to assessing the role as well as of microfinance as an anti-poverty tool, the book presents new theoretical frameworks and models, including the microfinance livelisystem framework (MFL). This unique framework, which combines and goes beyond existing frameworks, situates the microfinance industry within national and international financial and economic ecosystems and presents the interrelationships between institutions providing services for the construction of livelihoods. Offering new theoretical frameworks and models developed for the microfinance industry with universal application, this book will be of particular use to students and scholars of Development Studies, Development Finance, Poverty and Inequality Studies, Rural Development and Sustainable Finance.

Author : Hotze B. Lont,Otto Hospes
Publisher : Eburon Uitgeverij B.V.
Page : 306 pages
File Size : 50,5 Mb
Release : 2004
Category : Social Science
ISBN : 9789059720169

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Livelihood and Microfinance by Hotze B. Lont,Otto Hospes Pdf

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Author : P. J. Christabell
Publisher : Concept Publishing Company
Page : 276 pages
File Size : 54,9 Mb
Release : 2009
Category : Microfinance
ISBN : 8180694453

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Women Empowerment Through Capacity Building by P. J. Christabell Pdf

Study on the role of microfinance in building up economic and democratic capacity of women in India.

Author : Peter A. Fanconi,Patrick Scheurle
Publisher : John Wiley & Sons
Page : 272 pages
File Size : 41,9 Mb
Release : 2017-02-23
Category : Business & Economics
ISBN : 9781119338192

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Small Money Big Impact by Peter A. Fanconi,Patrick Scheurle Pdf

Make your money make a difference—and enjoy attractive returns Small Money, Big Impact explores and explains the globally growing importance of impact investing. Today, the investor's perspective has become as important as the actual social impact. Based on their experience with over 25 million micro borrowers, the authors delve into the mechanics, considerations, data and strategies that make microloans and impact investing an attractive asset class. From the World Bank to the individual investor, impact investing is attracting more and more attention. Impact investing is a global megatrend and is reshaping the way people invest as pension funds, insurance companies, foundations, family offices and private investors jump on board. This book explains for the first time how it works, why it works and what you should know if you're ready to help change the world. Impact investing has proven over the last 20 years as the first-line offense against crushing poverty. Over two billion people still lack access to basic financial services, which are essential for improving their livelihood. Investors have experienced not only social and environmental impact, but have received attractive, stable and uncorrelated returns for over 15 years. This guide provides the latest insights and methodologies that help you reap the rewards of investing in humanity. Explore the global impact investing phenomenon Learn how microloans work, and how they make a difference Discover why investors are increasingly leaning into impact investing Consider the factors that inform impact investing decisions Part social movement and part financial strategy, impact investing offers the unique opportunity for investors to power tremendous change with a small amount of money— expanding their portfolios as they expand their own global impact. Microfinance allows investors at any level to step in where banks refuse to tread, offering opportunity to those who need it most. Small Money, Big Impact provides the expert guidance you need to optimize the impact on your portfolio and the world.

Author : Manfred Zeller,Richard L. Meyer
Publisher : Intl Food Policy Res Inst
Page : 426 pages
File Size : 50,5 Mb
Release : 2002-01-01
Category : Business & Economics
ISBN : 9780801872266

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The Triangle of Microfinance by Manfred Zeller,Richard L. Meyer Pdf

Since the 1980s when the microfinance revolution began, much has been accomplished, but the field became more refined in the 1990s as a result of shifts in paradigms, strategies, and development practices. This volume addresses the three policy objectives that now occupy those who wish to use credit as a development tool: financial sustainability of microfinance institutions, outreach to the poor, and welfare impact. Inevitable tradeoffs exist among these objectives, and the book advances an analytical framework that assists students of and experts in microfinance to identify the tradeoffs and synergies at the institutional level and in the policy environment. The book features a wealth of empirical data and innovative analytical studies, and critically discusses the role of public support for microfinance institutions (MFIs) in light of the social costs and benefits generated by such financial systems. The book is organized into five parts. The first discusses the demand for and access to financial services by the poor, emphasizing that demand-oriented, pro-poor financial services are crucial in reaching the poor. The second is concerned with two of the criteria used to evaluate MFIs—outreach and financial sustainability. The third features innovative econometric studies seeking to evaluate the impact of MFIs at the household level. The fourth looks at the role of both public- and private-sector institutions in developing sustainable financial systems. And the fifth summarizes implications for policy and research. Given the lack of sound, empirical literature on microfinance, this volume is sure to advance knowledge and research methodology in the field.

Author : Malcolm Harper
Publisher : Unknown
Page : 286 pages
File Size : 40,8 Mb
Release : 2012
Category : Financial services industry
ISBN : 8132110080

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Whose Sustainability Counts? by Malcolm Harper Pdf

"Several recent events have undermined confidence in microfinance and microfinance institutions (MFIs). They range from the collapse of the microfinance industry in Andhra Pradesh, to the Bangladesh government s dismissal of Grameen Bank President Muhammad Yunus, Nobel Prize winner and venerated father of microcredit, to the increasing publicity about micro-loan debt bondage and debt-induced suicides of MFI clients in the subcontinent. What do these crises signify for the future of microfinance? Are the basic principles of finance for the poor salvageable? Can the model be improved?From its inception in 1996, BASIX one of the largest microfinance institutions in India has realized that focusing solely on loans will not improve the lives of its poor clients. Recognizing that the complex problems of poverty require complex solutions, it has melded financial services with livelihood development and institutional sustainability to achieve its goals, all the while maintaining impeccable ethical standards and practices of social inclusion that give voice to the poor who rely on the financial services BASIX provides them. Malcolm Harper cuts through the cynicism and disillusionment about microfinance with his account of BASIX to show how the organization offers pathways for a revamped MFI of the future, one that responds to poor clients diverse needs equitably and effectively"--Back cover.

Author : Musau Mutisya
Publisher : African Books Collective
Page : 272 pages
File Size : 53,6 Mb
Release : 2014-10-06
Category : Social Science
ISBN : 9789956792054

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Access to Microfinance and Financial Training for Innovative Urban Sustainability by Musau Mutisya Pdf

The Kenyan population is highly concentrated in urban centres, leading to increased social, economic and environmental strains, with a significant percentage of urban dwellers living in sprawling slums. Urban development is increasingly a major focus, especially in the fight against urban sustainability problems. There is little practical orientation in the academic literature for the growing gap between the rich and poor. Current literature is enormously concerned with resource use and environmental pressures, paying scant attention to the nexus between urban sustainability and empowerment of the urban poor. This book initiates debates on the segment of urban population often referred to as the bottom of the pyramid (BOP), by analysing the microfinance innovation following evaluation of the impacts of access to microfinance and financial training and the implications to urban sustainability in Kenya. The main conclusion reached is that microfinance has an instrumental role to play in promoting sustainable urban development as it supports social welfare improvement and increases the livelihood of participants, business development and urban sustainability to a certain extent, thereby empowering the urban poor in contributing to poverty alleviation.

Author : S. Rajagopalan
Publisher : Unknown
Page : 220 pages
File Size : 45,9 Mb
Release : 2009
Category : Africa
ISBN : STANFORD:36105133116108

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Microfinance in Africa by S. Rajagopalan Pdf

Africa is home to some of the poorest and vulnerable populations in the world. The ten poorest countries in the world are in Africa. Sub-Saharan Africa is the region with the highest incidence and greatest depth of poverty in the world. Fewer than one in five adults in Africa has access to the services of a formal or semi-formal financial institution. Microfinance in Africa is growing, though. A broad range of diverse institutions offer financial services to the poor and low-income clients in Africa. These include non-governmental organizations, non-banking financial institutions, cooperatives, credit unions, rural banks, Rotating Savings and Credit Associations (ROSCAs), postal financial institutions and an increasing number of commercial banks. Increasingly, technology is being used to expand microfinance outreach mobile phone banking is one such example. This book provides an overview of the microfinance sector in Africa, reviews the performance and impact of microfinance institutions in the region, and outlines some of the opportunities and challenges that African microfinance has on hand.

Author : Irene Banda Mutalima
Publisher : Unknown
Page : 0 pages
File Size : 49,8 Mb
Release : 2022
Category : Electronic
ISBN : 1914454510

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Microfinance in Sub-Saharan Africa by Irene Banda Mutalima Pdf

Author : Amitabh Bhatnagar
Publisher : Concept Publishing Company
Page : 464 pages
File Size : 42,9 Mb
Release : 2008
Category : Business & Economics
ISBN : 8180695670

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Rural Microfinance and Microenterprise by Amitabh Bhatnagar Pdf

Contributed articles on microfinance and small business in India.

Author : Alhassan, Yahaya,Nwagbara, Uzoechi
Publisher : IGI Global
Page : 304 pages
File Size : 43,9 Mb
Release : 2023-10-25
Category : Business & Economics
ISBN : 9781668489819

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Empowering Women Through Microfinance in Developing Countries by Alhassan, Yahaya,Nwagbara, Uzoechi Pdf

Empowering Women Through Microfinance in Developing Countries is a book that explores how microfinance can be used to empower women in developing countries. It provides theoretical and empirical insights from industry experts, experienced researchers, and policymakers on the problems, processes, and prospects of using microfinance as a catalyst for women's empowerment in the developing world. The book covers a range of topics, including the impact of microfinance interventions on women's empowerment, financial inclusion, and women's entrepreneurship, poverty reduction among women, and small and medium-sized enterprise growth. This book addresses the lack of understanding about how microfinance can be used to empower women in developing countries. The insights provided in this book will be valuable for researchers, students, microfinance institutions, policymakers, state institutions, managers, non-governmental organizations, and financial institutions looking to expand their product portfolio and outreach. The book also provides policy directions and rethinking of practice in using microfinance as a strategy for eliminating barriers to women's empowerment in developing countries.