Determinants Influencing A Rural Household S Preference To Join Individual Liability Or Joint Liability Micro Credit Contract Operated By Primary Agricultural Credit Society
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Determinants Influencing A Rural Household S Preference To Join Individual Liability Or Joint Liability Micro Credit Contract Operated By Primary Agricultural Credit Society
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Author : Amit Kundu
language : en
Publisher:
Release Date : 2015
Determinants Influencing A Rural Household S Preference To Join Individual Liability Or Joint Liability Micro Credit Contract Operated By Primary Agricultural Credit Society written by Amit Kundu and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with categories.
Agriculture credit which is one form of micro credit mainly for the small and marginal farmers can be borrowed under two different types of short-term credit contracts: individual liability credit contract or joint liability credit contract under Primary Agricultural Credit Society (PACS). The basic objective of this paper is to identify the factors which influence a rural household to link himself directly with PACS for credit contract under individual liability micro credit contract or to take the initiative to join self-help group under PACS so that if required he/she can take credit under joint liability credit contract. Results reveal that higher education level and age reduces the probability of a rural people to join self-help group but aged farmers with certain size of land prefers to take credit under individual liability loan contract after taking direct membership of PACS. But ownership of land and its size is not a decision making factor during the time of formation self-help groups under PACS. Actually poor people with zero or small size of assets i.e. mainly the risky type borrowers were not ignored during the time of group formation.
Group Versus Individual Liability
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Author : Xavier Gine
language : en
Publisher: World Bank Publications
Release Date : 2006
Group Versus Individual Liability written by Xavier Gine and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with Bank Policy categories.
Group liability is often portrayed as the key innovation that led to the explosion of the microcredit movement, which started with the Grameen Bank in the 1970s and continues on today with hundreds of institutions around the world. Group lending claims to improve repayment rates and lower transaction costs when lending to the poor by providing incentives for peers to screen, monitor, and enforce each other's loans. However, some argue that group liability creates excessive pressure and discourages good clients from borrowing, jeopardizing both growth and sustainability. Therefore, it remains unclear whether group liability improves the lender's overall profitability and the poor's access to financial markets. The authors worked with a bank in the Philippines to conduct a field experiment to examine these issues. They randomly assigned half of the 169 pre-existing group liability 'centers' of approximately twenty women to individual-liability centers (treatment) and kept the other half as-is with group liability (control). We find that the conversion to individual liability does not affect the repayment rate, and leads to higher growth in center size by attracting new clients.
Fighting Poverty With Microcredit Experience In Bangladesh
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Author : Shahidur R. Khandker
language : en
Publisher: World Bank Group
Release Date : 1999-06-05
Fighting Poverty With Microcredit Experience In Bangladesh written by Shahidur R. Khandker and has been published by World Bank Group this book supported file pdf, txt, epub, kindle and other format this book has been release on 1999-06-05 with Business & Economics categories.
Providing the poor with access to financial services is one of many ways to help increase their incomes and productivity. In many countries, however, traditional financial institutions have failed to provide this service. Microcredit and co-operative programmes have been developed to fill this gap. Their purpose is to help the poor become self-employed and thus escape poverty. Many of these programmes provide credit using social mechanisms, such as group-based lending, to reach the poor and other clients, including women, who lack access to formal financial institutions. With increasing assistance from the World Bank and other donors, microfinance is emerging as an instrument for reducing poverty and improving the poor's access to financial services in low-income countries. This text examines the experiences of the Grameen Bank and two other major microcredit programmes in Bangladesh in order to quantify the potential and limitations of microcredit programmes as an instrument for reducing poverty and delivering financial services to the poor.
Microfinance Debt And Over Indebtedness
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Author : Isabelle Guérin
language : en
Publisher: Routledge
Release Date : 2013-10-15
Microfinance Debt And Over Indebtedness written by Isabelle Guérin and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-10-15 with Business & Economics categories.
Although microcredit programmes have long been considered efficient development tools, many forms of debt-induced distress have emerged in their wake. This has brought to light the problem of over-indebtedness, a topic which has been previously underexplored in the literature. This new book, from a group of leading scholars, explores the manifestations, scale, and economic and social implications of household over-indebtedness in areas conventionally considered as financially excluded. The book approaches debt not only as a financial transaction, but also as a form of social bond, and offers a socioeconomic analysis of over-indebtedness. The volume puts forward a broad definition of over-indebtedness, highlighting its situational and semantic complexity and diversity. It provides a close analysis of local conceptions of debt and over-indebtedness, highlighting frameworks of calculation and the constant renegotiation of their boundaries. On top of this, it looks far beyond microcredit to examine all the financial practices that individuals juggle. The volume argues that over-indebtedness has more to do with social inequalities than financial illiteracy, and should therefore be understood in the light of global trends of financialization. It also reveals the ambiguity of "financial inclusion" policies, and in many respects questions the actions of new credit providers. This book will be valuable reading for students, researchers and policy makers interested in microfinance and development issues.
Agricultural Household Models
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Author : Inderjit Singh
language : en
Publisher:
Release Date : 1986
Agricultural Household Models written by Inderjit Singh and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1986 with Agricultural industries categories.
This book presents the basic model of an agricultural household that underlies most of the case studies undertaken so far. The model assumes that households are price-takers and is therefore recursive. The decisions modeled include those affecting production and the demand for inputs and those affecting consumption and the supply of labor. Comparative results on selected elasticities are presented for a number of economies. The empirical significance of the approach is demonstrated in a comparison of models that treat production and consumption decisions separately and those in which the decisionmaking process is recursive. The book summarizes the implications of agricultural pricing policy for the welfare of farm households, marketed surplus, the demand for nonagricultural goods and services, the rural labor market, budget revenues, and foreign exchange earnings. In addition, it is shown that the basic model can be extended in order to explore the effects of government policy on crop composition, nutritional status, health, saving, and investment and to provide a more comprehensive analysis of the effects on budget revenues and foreign exchange earnings. Methodological topics, primarily the data requirements of the basic model and its extensions, along with aggregation, market interaction, uncertainty, and market imperfections are discussed. The most important methodological issues - the question of the recursive property of these models - is also discussed.
Microfinance Handbook
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Author : Joanna Ledgerwood
language : en
Publisher: World Bank Publications
Release Date : 1998-12-01
Microfinance Handbook written by Joanna Ledgerwood and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 1998-12-01 with Business & Economics categories.
The purpose of the 'Microfinance Handbook' is to bring together in a single source guiding principles and tools that will promote sustainable microfinance and create viable institutions.
Poverty And Entrepreneurship In Developed Economies
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Author : Michael H. Morris
language : en
Publisher: Edward Elgar Publishing
Release Date : 2018-11-30
Poverty And Entrepreneurship In Developed Economies written by Michael H. Morris and has been published by Edward Elgar Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-11-30 with Business & Economics categories.
While extensively explored as a solution to poverty at the base of the pyramid, this is the first in-depth examination of entrepreneurship and the poor within advanced economies. The authors explore the underlying nature of poverty and draw implications for new venture creation. Entrepreneurship is presented as a source of empowerment that represents an alternative pathway out of poverty.
Working With Smallholders
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Author : International Finance Corporation
language : en
Publisher: World Bank Publications
Release Date : 2023-11-01
Working With Smallholders written by International Finance Corporation and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-11-01 with Business & Economics categories.
Smallholder farmers are the stewards of more than 80 percent of the world’s farms. These small family businesses produce about one-third of the world’s food. In Africa and Asia, smallholders dominate the production of food crops, as well as export commodities such as cocoa, coffee, and cotton. However, smallholders and farm workers remain among the poorest segments of the population, and they are on the frontline of climate change. Smallholder farmers face constraints in accessing inputs, finance, knowledge, technology, labor, and markets. Raising farm-level productivity in a sustainable way is a key development priority. Agribusinesses are increasingly working with smallholder farmers in low- and middle-income countries to secure agricultural commodities. More productive smallholders boost rural incomes and economic growth, as well as reduce poverty. Smallholders also represent a growing underserved market for farm inputs, information, and financial services. Working with Smallholders: A Handbook for Firms Building Sustainable Supply Chains (third edition) shows agribusinesses how to engage more effectively with smallholders and to develop sustainable, resilient, and productive supply chains. The book compiles practical solutions and cutting-edge ideas to overcome the challenges facing smallholders. This third edition is substantially revised from the second edition and incorporates new material on the potential for digital technologies and sustainable farming. This handbook is written principally to outline opportunities for the private sector. The content may also be useful to the staffs of governmental or nongovernmental development programs working with smallholders, as well as to academic and research institutions.
Rural Financial Markets In Asia
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Author : Richard L. Meyer
language : en
Publisher: Asian Development Bank
Release Date : 2000
Rural Financial Markets In Asia written by Richard L. Meyer and has been published by Asian Development Bank this book supported file pdf, txt, epub, kindle and other format this book has been release on 2000 with Agricultural credit categories.
Rural Financial Markets in Asia: Paradigms, Policies and Performance specifically examines the commercialization of the rural economy and the provision and use of rural financial services since the 1970s.
Improving Access To Finance For India S Rural Poor
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Author : Priya Basu
language : en
Publisher: World Bank Publications
Release Date : 2006-01-01
Improving Access To Finance For India S Rural Poor written by Priya Basu and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-01-01 with Business & Economics categories.
Annotation This book examines the current level and pattern of access to finance for India's rural households, evaluates various approaches for delivering financial services, analyzes what lies behind the lack of adequate financial access, and identifies what it would take to improve access to finance.