Microfinance And Vulnerability To Poverty
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Microfinance And Vulnerability To Poverty
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Author : Oliver Rogall
language : en
Publisher: Ibidem Press
Release Date : 2011
Microfinance And Vulnerability To Poverty written by Oliver Rogall and has been published by Ibidem Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with Social Science categories.
Low income households are faced with various types of risks, increasing their vulnerability to poverty. In Cambodia, conditions of the rural poor - with the majority engaged in agriculture - are characterized by low productivity, limited capacities in terms of land and assets, volatile income sources, fluctuating farm input and output prices, debt and lack of credit worthiness. A microfinance institution operating in rural Cambodia and aiming to offer financial products to a large number of poor households is Angkor Mikroheranhvatho Kampuchea (AMK) Co. Ltd. Through its internal Market and Social Research Department, AMK staff annually collects socio-economic information about selected loan clients (household profiles, cash-flow analysis), as well as non-clients as a control group. Their survey tool includes questions about household's food consumption, main risk sources and coping strategies. The present research study draws information from this AMK survey database. The measures taken are applied to socio-economic cross-sectional data as of 2006/07 and validated with panel data from 2008.A theoretical framework is developed to examine the mechanisms through which the effects of the AMK services on its clients influence the household's ability to manage risk. It includes measurement aspects of a forward-looking concept of vulnerability to identify and capture its linkages to risks, shocks, and risk strategies of rural households. Secondly it incorporates the dynamic aspects of poverty by looking at temporal changes in absolute poverty levels. Moreover, it seeks to identify gaps and opportunities of microfinance services as a risk management strategy to reduce vulnerability.The results show that the fraction of vulnerable households (85%) facing a risk of poverty is considerably greater than what the static poverty assessment suggests. Results further show that the majority of the sample households are poor (72%) as of 2006 and 2007. Among the non-clients the figure is substantially lower with 58% poor households, whereas 75% of the AMK microfinance clients fall below the poverty line. This particular confirms the intended outreach targets of AMK.Furthermore, it could be ascertained that those clients who remained clients could significantly accumulate assets and became less dependent on agricultural activities. This is a good indication that AMK clients have safety nets and more strategic possibilities in case of future shocks.
The Microfinance Impact
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Author : Ranjula Bali Swain
language : en
Publisher: Routledge
Release Date : 2013-08-15
The Microfinance Impact written by Ranjula Bali Swain and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-08-15 with Business & Economics categories.
Financial inclusion through microfinance has become a powerful force in improving the living conditions of poor farmers, rural non-farm enterprises and other vulnerable groups. In its unique ability to link the existing extensive network of India’s rural bank branches with the Self Help Groups (SHG), the National Bank of Agriculture and Rural Development (NABARD) has covered up to 97 million poor households by March 2010 under its Self Help Group Bank Linkage Programme. Policy-makers have proclaimed SHGs as ‘‘the most potent initiative ... for delivering financial services to the poor in a sustainable manner." This book presents a comprehensive scientific assessment of the impact of the Self Help Group Bank Linkage Programme (SBLP) on the member households. The book discusses wide-ranging topics, including the rural financial sector in India, the history and structure of the SBLP, the impact methodologies, the economic and social impact of microfinance, its role in building assets while reducing poverty and vulnerability, the role of women and their empowerment, training and accumulation of human capital and policy implications of lessons learned. The empirical results show that vulnerability of the more mature SHG members declines significantly. Vulnerability also falls for villages with better infrastructure and for SHGs that are formed by NGOs and linked by banks. The results strongly demonstrate that on average, there is a significant increase in the empowerment of the female participants. The economic impact of SBLP is found to be the most empowering. Greater autonomy and changes in social attitudes also lead to female empowerment. The investigation further reveals that training (especially business training) has a definite positive impact on assets but not on income. The impact of training can be improved through better infrastructure (as in paved roads), linkage model type, and the training organiser. Bridging the gap in the existing literature and between academics and practitioners, this book moves beyond the usual theoretical issues in the impact assessment literature and draws on new developments in methodology. It will be of interest to academics, development practitioners and students of economics, political science, sociology, public policy and development studies.
Microfinance Risk Management And Poverty
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Author : Monique Cohen
language : en
Publisher:
Release Date : 2000
Microfinance Risk Management And Poverty written by Monique Cohen and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2000 with Economic assistance categories.
Vulnerability To Poverty
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Author : M. Grimm
language : en
Publisher: Springer
Release Date : 2016-04-30
Vulnerability To Poverty written by M. Grimm and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-04-30 with Business & Economics categories.
With the current global crisis, high levels of volatility in trade, capital flows, commodity prices, aid, and the looming threat of climate change, this book brings together high-quality research and presents conceptual issues and empirical results to analyze the determinants of the vulnerability to poverty in developing countries.
Pathways Out Of Poverty
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Author : Sam Daley-Harris
language : en
Publisher:
Release Date : 2002
Pathways Out Of Poverty written by Sam Daley-Harris and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with Financial institutions categories.
Microfinance is a key intervention in helping families in developing countries move out of poverty. The Microedit Summit Campaign works to promote microfinance, with the aim of reaching 100 million families by 2005. This book challenges conventional wisdoms and explores the Campaign's core themes.
Microcredit And Rural Poverty
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Author : M.L. Narasaiah
language : en
Publisher: Discovery Publishing House
Release Date : 2006
Microcredit And Rural Poverty written by M.L. Narasaiah and has been published by Discovery Publishing House this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with Financial services industry categories.
The founding of financial institutions in the developing countries, whose target groups are supposed to be poorer people and, in particular, income-generating micro, small-scale and medium-sized enterprises, originated in the industrialized nations. Soon after Western development policy began in the 1950s and 1960s the donors noted that investment in infrastructure was insufficient to achieve growth. Reflecting on the experiences of Europe, state or mixedenterprise development banks were founded in many developing countries with the support of various donors. The banks were to promote industrialization as a subsituation for imports, as well as farming, housing construction and regional development. Their common feature was that they combined the characteristics of a bank and a public authority. On the one hand, they managed loan holdings and handled payment transactions, and one the other they prompted development by non-repayable grants. Since these functions each followed a very different logic, the banks were required to undertake a difficult tightrope walk.
Poverty Reduction Policies And Practices In Developing Asia
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Author : Almas Heshmati
language : en
Publisher: Springer
Release Date : 2015-03-31
Poverty Reduction Policies And Practices In Developing Asia written by Almas Heshmati and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-03-31 with Business & Economics categories.
This book looks at the major policy challenges facing developing Asia and how the region sustains rapid economic growth to reduce multidimensional poverty through socially inclusive and environmentally sustainable measures. Asia is facing many challenges arising from population growth, rapid urbanization, provision of services, climate change and the need to redress declining growth after the global financial crisis. This book examines poverty and related issues and aims to advance the development of new tools and measurement of multidimensional poverty and poverty reduction policy analysis. The book covers a wide range of issues, including determinants and causes of poverty and its changes; consequences and impacts of poverty on human capital formation, growth and consumption; assessment of poverty strategies and policies; the role of government, NGOs and other institutions in poverty reduction; rural-urban migration and poverty; vulnerability to poverty; breakdown of poverty into chronic and transitory components; and a comparative study on poverty issues in Asia and other regions. The book will appeal to all those interested in economic development, resources, policies and economic welfare and growth.
Financial Inclusion For Poverty Alleviation
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Author : Essam Yassin Mohammed
language : en
Publisher: Routledge
Release Date : 2017-12-12
Financial Inclusion For Poverty Alleviation written by Essam Yassin Mohammed and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-12-12 with Business & Economics categories.
More than one billion people still live below the poverty line – most of them in South Asia and Sub-Saharan Africa. Financial inclusion is a major issue, as more than three-quarters of the numbers of poor and disadvantaged women and men do not have access to financial products and services, such as bank accounts, affordable and suitable loans, and insurance. The key objective of this book is to provide practical case studies of financial inclusion, rather than focus on academic debates such as the ideological basis of promoting microfinance. Using the recently adopted Sustainable Development Goals as an overall framing of the issues, it shows how poor and disadvantaged women and men can be bankable if the right facilitation for maximizing opportunities and addressing constraints are in place. Case studies confirm that achieving inclusive and sustainable access to financial products and services goes beyond simply enabling poor and disadvantaged women and men to have access to credit, or the ability to open a bank account. Examples from Africa, Asia and Latin America demonstrate encouraging progress in making microcredit accessible to millions of poor people. The foremost challenge, however, has been to ensure that they have access to, and usage intensity of, suitable and affordable financial products and services that meet the needs of their livelihoods as well as risks and mitigation strategies. This requires understanding that poor and disadvantaged women and men do not exist in isolation from complex and interdependent functions in the financial system, which includes a number of actors, diversified services, constraints (not just symptoms) and capacities and incentives. Overall, the book provides a rich source of examples of how building inclusive financial systems can empower the world's poor – by increasing income and employment opportunities, securing livelihoods and reducing poverty.
Efficiency Equity And Well Being In Selected African Countries
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Author : Almas Heshmati
language : en
Publisher: Springer
Release Date : 2019-04-19
Efficiency Equity And Well Being In Selected African Countries written by Almas Heshmati and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-04-19 with Business & Economics categories.
This book addresses poverty and well-being, equity, and efficiency in selected African countries. The chapters focus on three main topics: studies in the measurement and analysis of well-being and vulnerability to poverty, women's empowerment, and the dynamics and determinants of income and efficiency among smallholders. The chapters in the first section examine poverty, well-being, and vulnerability to poverty, as well as social exclusion, with a focus on households in Ethiopia, Rwanda, and Tanzania. They highlight the need to consider multidimensional measures of well-being and vulnerability to poverty, the need to address the distribution of vulnerability across different segments of the population, as well as the importance of developing public policies aimed at poverty reduction and promoting the well-being of the poor. The next section deals with issues related to women’s empowerment, including a multidimensional case study of women’s empowerment in Ghana and women’s access to microfinance services in Ethiopia. The final section focuses on dynamics and determinants of income and efficiency among farm households in Ethiopia and Uganda. Using a variety of methodologies, this volume provides a multifaceted approach to studying poverty and well-being in a diverse range of locations. As such, it of use to undergraduate and graduate students studying African economics or economics of poverty and well-being, and will be appealing to public policymakers and international aid agencies.
Microfinance Risk Management And Poverty
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Author : Jennefer Sebstad
language : en
Publisher:
Release Date : 2001
Microfinance Risk Management And Poverty written by Jennefer Sebstad and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Economic assistance categories.