Self Help Groups For India S Financial Inclusion
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Financial Inclusion Self Help Groups Shgs And Women Empowerment
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Author : Kartick Das
language : en
Publisher:
Release Date : 2013
Financial Inclusion Self Help Groups Shgs And Women Empowerment written by Kartick Das and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with Self-help groups categories.
Women's lack of economic empowerment not only impedes growth and poverty reduction, but also negatively impacts education and health outcomes for children. Thus, it is extremely important to ensure that women are economically empowered. Financial inclusion may be defined as the process of ensuring access to financial services and timely and adequate credit - where needed by vulnerable groups, such as women - at an affordable cost. India's Self-help Group (SHG)-Bank Linkage Program was launched in 1992 as a flagship program by the country's National Bank for Agriculture and Rural Development. The objective is to meet the financial needs of the poor by linking SHGs with the formal credit agencies. Financial inclusion of India's women can be best ensured through SHGs. This collection contains papers that provide valuable insights into the importance and functioning of SHGs to ensure financial inclusion and hence economic empowerment of women in India.
Self Help Groups For India S Financial Inclusion
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Author : Rajeev, Meenakshi
language : en
Publisher: kassel university press GmbH
Release Date : 2017-12-13
Self Help Groups For India S Financial Inclusion written by Rajeev, Meenakshi and has been published by kassel university press GmbH this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-12-13 with categories.
Ensuring accessibility to credit to the poor self-employed households is a critical concern for many developing nations. Self-help groups (SHG) formed by women in the developing countries help them to access financial intermediaries and access credit for various income-generating activities. In case of India, SHGs are formed either through state-assisted SHG-Bank Linkage Programme (SBLP) or through private initiatives of micro finance institutions (MFIs) or NGOs. Under the former, the groups access formal banking directly while in case of MFIs, loan is disbursed through MFIs themselves. Rate of interest in case of loans obtained by SHGs through SBLP, therefore, depends on the rate of interest charged by the various types of formal lending agencies and is often found to be lower than the interest charges of the MFIs. It is, however, argued that transaction costs involved in a bank loan are substantial, therefore, borrowers prefer loans from the informal sector, delivered at the borrower’s doorstep. In order to examine this issue rigorously, we have tried to estimate the effective costs towards borrowing by including the transaction costs, estimated using quantitative data collected through our survey. Our results show that the transaction costs contribute only marginally to the cost of borrowing, hence, we argue (using field data) that the programme, which has many additional benefits including ensuring financial inclusion of women and empowering them, should be strengthened and expanded further.
Self Help Groups For India S Financial Inclusion
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Author : Meenakshi Rajeev
language : en
Publisher:
Release Date : 2018-02
Self Help Groups For India S Financial Inclusion written by Meenakshi Rajeev and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-02 with categories.
Microfinance Through Women Self Help Groups Shgs For Grass Root Level Empowerment An Empirical Study Of Varanasi Uttar Pradesh India
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Author : Tripti Kumari
language : en
Publisher: kassel university press GmbH
Release Date : 2016
Microfinance Through Women Self Help Groups Shgs For Grass Root Level Empowerment An Empirical Study Of Varanasi Uttar Pradesh India written by Tripti Kumari and has been published by kassel university press GmbH this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
Microfinance, as a concept, involves providing financial services, particularly small credit, fund transfer, and insurance to the unemployed, low-income group, and those who do not have easy access to the banking system. It has emerged as an active agent of financial inclusion, ensuring economic, and social upliftment of the unprivileged. Microfinance is being operated through two channels Self-help Group-Bank Linkage Programme (SBLP) and Micro-finance Institutions (MFIs). The special characteristic of SBLP is its direct connection with the clients at the grass-root level and working towards poverty reduction by providing financial support. The paper is based on a field study on SBLP undertaken for women in the Varanasi District of Uttar Pradesh, India. The increase in women’s participation in economic activities and decision-making reveals that SHGs have made an impact. SHGs have also helped them to create a common platform to participate, discuss, and find a solution of their problems. Women’s income and occupation structure under SHGs have also influenced the standard of living and empowerment level significantly.
Towards Financial Inclusion In India
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Author : K. G. Karmakar
language : en
Publisher: SAGE Publications Pvt. Limited
Release Date : 2011-09-08
Towards Financial Inclusion In India written by K. G. Karmakar and has been published by SAGE Publications Pvt. Limited this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-09-08 with Business & Economics categories.
Towards Financial Inclusion in India provides an in-depth analysis of the various pillars of financial inclusion such as micro-remittance, micro-savings, micro-credit, and micro-insurance. The book stresses on financial literacy and counseling, which are core to the achievement of financial inclusion. The authors dwell upon the difficulties faced by vulnerable groups like women, tribals, weavers, and rural populace while trying to access financial services. The book also analyzes inclusion measures like ICT interventions, post office model, and payment mechanisms. Striking a balance between pragmatic policy-making and a genuine social security mechanism, the book emphasizes that financial services should be cost-effective and easily affordable to the vast majority of disadvantaged and low-income groups.
Financial Inclusion In Circular Economy
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Author : Vinay Kandpal
language : en
Publisher: Springer Nature
Release Date : 2023-01-30
Financial Inclusion In Circular Economy written by Vinay Kandpal and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-01-30 with Science categories.
This book presents an assessment of endeavors towards Financial Inclusion and its role in Sustainable development. An attractive feature is that it deals with almost all the contemporary issues essential for reaching UN Sustainable Development Goals. This book would be an exclusive and authentic source to the students of undergraduates, postgraduates and professional courses in Commerce and Management. This manuscript is divided into nine chapters. The book looks at various salient topics, including financial inclusion measurement, the impact of various financial inclusion indicators on development outcomes and macroeconomic volatility using aggregate data, and the effects of financial inclusion on poverty and development outcomes using microdata. Using the recently adopted Sustainable Development Goals as an overall framing of the issues, it exhibits how poor and disadvantaged women and men can be bankable if the adequate facilitation for maximizing opportunities and addressing constraints. This book attempts to cover different dimensions of Financial Inclusion towards attaining Sustainability and Circular Economy through financing instruments and investments. This book highlights different goals of UN SDG as an Initiative towards Inclusive Growth and Circular Economy, which is also influenced by Micro Finance Institutions and NBFCs. This book will be an indispensable source for the Students of PG and UG programs, Researchers and practitioners from areas of Commerce, Economics and Management and the faculty members and professionals like bankers and financial consultants. We hope this book will meet the requirement of all the categories of readers.
Financial Inclusion In India
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Author : N. Mani
language : en
Publisher:
Release Date : 2015
Financial Inclusion In India written by N. Mani and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with Banks and banking categories.
In India, while one segment of the population has access to an assortment of banking services and financial counseling, the other segment of underprivileged and lower income group is totally deprived of even basic financial services. Exclusion of large segments of the society from financial services adversely affects the overall economic growth of a country. In order to ensure financial inclusion of the poor, particularly in rural areas, various initiatives have been taken by the government and the Reserve Bank of India (RBI). These include the nationalization of commercial banks, the establishment and expansion of rural credit co-operatives, regional rural banks, urban co-operative banks, micro finance and self-help groups, mutual funds, and pension funds. There are several challenges that require concerted efforts from banks, the RBI, and India's government to ensure a convenient and cost-effective delivery of financial services to the public at large. In particular, the challenge is to introduce innovations in risk assessment, reduce transaction costs, devise new credit delivery channels, and use information technology to make financial inclusion a viable model. This book examines the various policies and programs that were implemented in order to make financial services more accessible to the country's underprivileged income groups, resulting in millions of bank accounts being opened. [Subject: India Studies, Economics, Poverty Studies, Development Studies]
Microfinance In India
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Author : S. M. Feroze
language : en
Publisher:
Release Date : 2011
Microfinance In India written by S. M. Feroze and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with Microfinance categories.
In recent years, microfinance in India has emerged as the most suitable and practical alternative to conventional banking in reaching the poor population. Microfinance enables poor people to be thrifty and helps them in availing themselves of the credit and other financial services for improving their income and living standards. The Self-help Group (SHG) Bank Linkage Program was formally launched in 1992 as a flagship program that envisages the organization of the rural poor into SHGs for building their capacities to manage their own finances and then negotiate bank credit on commercial terms. The poor are encouraged to voluntarily come together to save small amounts regularly and extend micro loans among themselves. Once the group attains required maturity in handling larger resources, the bank credit follows. This book explains the concepts associated with microfinance, traces its progress and performance, and examines the role of India's government agencies in its promotion. It also highlights the role of microfinance in the economic empowerment of women and as a tool of financial inclusion.
Changing Contours Of Microfinance In India
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Author : Jayadev M.
language : en
Publisher: Routledge
Release Date : 2016-05-12
Changing Contours Of Microfinance In India written by Jayadev M. and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-05-12 with Business & Economics categories.
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.
Sustainability Of Microfinance Self Help Groups In India
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Author : Ajai Nair
language : en
Publisher: World Bank Publications
Release Date : 2005
Sustainability Of Microfinance Self Help Groups In India written by Ajai Nair 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 2005 with Microfinance categories.
The major form of microfinance in India is that based on women's Self Help Groups (SHGs), which are small groups of 10--20 members. These groups collect savings from their members and provide loans to them. However, unlike most accumulating savings and credit associations (ASCAs) found in several countries, these groups also obtain loans from banks and on-lend them to their members. By 2003, over 700,000 groups had obtained over Rs.20 billion (US$425 million) in loans from banks benefiting more than 10 million people. Delinquencies on these loans are reported to be less than 5 percent. Savings in these groups is estimated to be at least Rs.8 billion (US$170 million). Despite these considerable achievements, sustainability of the SHGs has been suspect because several essential services required by the SHGs are provided free or at a significantly subsidized cost by organizations that have developed these groups. A few promoter organizations have, however, developed federations of SHGs that provide these services and others that SHG members need, but which SHGs cannot feasibly provide. Using a case study approach, Nair explores the merits and constraints of federating. Three SHG federations that provide a wide range of services are studied. The findings suggest that federations could help SHGs become institutionally and financially sustainable because they provide the economies of scale that reduce transaction costs and make the provision of these services viable. But their sustainability is constrained by several factors--both internal, related to the federations themselves, and external, related to the other stakeholders. The author concludes by recommending some actions to address these constraints. This paper--a product of the Finance and Private Sector Development Unit, South Asia Region--is part of a larger effort in the region to study access to finance in India.