Sustainability Of Microfinance Self Help Groups In India
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Sustainability Of Microfinance Self Help Groups In India
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Author : Ajai Nair
language : en
Publisher:
Release Date : 2008
Sustainability Of Microfinance Self Help Groups In India written by Ajai Nair and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with 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.
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.
Microfinance And Self Help Group
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Author : Manojit Dasgupta
language : en
Publisher:
Release Date : 2014-03-01
Microfinance And Self Help Group written by Manojit Dasgupta and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-03-01 with India categories.
Revised version of papers presented at the national seminar entitled 'Micro-Finance Initiative, Inclusion and Impact in India and Sustainability of SHG as Poverty Alleviation Program', held at Darjeeling during 28-29 April 2012.
Micro Credit Management By Women S Self Help Groups
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Author : U. Jerinabi
language : en
Publisher: Discovery Publishing House
Release Date : 2006
Micro Credit Management By Women S Self Help Groups written by U. Jerinabi 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 Indian women categories.
Contents: Introduction, Growth of Self Help Groups in India, Review of Literature, Methodology, Performance of the Self Help Groups, Impact of Micro Credit on SHG Members, Summary and Conclusion.
Self Help Groups In Rural Development
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Author : N. Lalitha
language : en
Publisher:
Release Date : 2002
Self Help Groups In Rural Development written by N. Lalitha and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with Microfinance categories.
With reference to Tamil nadu, India; a study.
Microfinance Self Help Groups In India
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Author : Frances Sinha
language : en
Publisher:
Release Date : 2009
Microfinance Self Help Groups In India written by Frances Sinha and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with Cooperative societies categories.
For the first time, detailed field research probes beneath the surface of world-renowned SHGs. It explores both social and financial performance in the SHG movement. This text reveals that whilst there are important achievements, especially on the social side, without more strategic attention and more resources these are unlikely to be sustainable.
Microfinance Self Help Groups In India
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Author : Frances Sinha
language : en
Publisher:
Release Date : 2009
Microfinance Self Help Groups In India written by Frances Sinha and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with Business & Economics categories.
Discusses the role of the groups in encouraging rural women to become active in village affairs and benefits for the poorest. Examines the groups' financial management and financial performance. Considers implications for Indian microfinance and the global growth of the sector.
Marketing Strategies Financial Viability Of Self Help Groups
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Author : K.Usharani
language : en
Publisher: Sarup & Sons
Release Date : 2008
Marketing Strategies Financial Viability Of Self Help Groups written by K.Usharani and has been published by Sarup & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with Marketing categories.
Study conducted in Erode District, Tamil Nadu, India.
Microfinance In India Communities At The Bottom Of The Pyramid
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Author : Dr Litty Denis
language : en
Publisher: Archers & Elevators Publishing House
Release Date :
Microfinance In India Communities At The Bottom Of The Pyramid written by Dr Litty Denis and has been published by Archers & Elevators Publishing House this book supported file pdf, txt, epub, kindle and other format this book has been release on with Antiques & Collectibles categories.
Financial Sustainability Of Micro Financing
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Author : Ambika Prasad Pati
language : en
Publisher: Gyan Publishing House
Release Date : 2009
Financial Sustainability Of Micro Financing written by Ambika Prasad Pati and has been published by Gyan Publishing House this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with Microfinance categories.
Study conducted in Meghalaya, India.