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Microfinance in India : A Performance Evaluation
By S.M. Feroze , A.K. Chauhan

First Published : 2011
ISBN : 9788177082852
Pages : 196
Binding : Hardbound
Size : 5 x 9
Price : US$ 33

In recent years, microfinance in India has emerged as the most suitable and practical alternative to conventional banking in reaching the hitherto unreached poor population. Microfinance enables the poor people to be thrifty and helps them in availing the credit and other financial services for improving their income and living standards. The Self-help Group (SHG)-Bank Linkage Programme was formally launched in 1992 as a flagship programme by National Bank for Agriculture and Rural Development (NABARD) and aptly supported by the Reserve Bank of India (RBI) through its policy support. The programme envisages organisation 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 of 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 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. A case study of microfinance in Haryana (a relatively developed state of North India) also forms part of the book. 

1. Basics of Microfinance
1.1 Concept of Microfinance
1.2 Self-help Group Model
1.3 Functioning of SHGs
1.4 Books Kept by an SHG
1.5 Saving and Lending Mechanism
1.6 Operational Models
1.7 Microfinance Institutions (MFIs)
1.8 Types of MFIs
1.9 SHG Federations
2. Microfinance: Progress and Present Status
2.1 Introduction
2.2 Apex Level Microfinance Institutions
2.3 Apex Level Microfinance Service Providers
2.4 Savings by SHGs
2.5 Loans Disbursed to SHGs
2.6 Loans Outstanding Against SHGs
2.7 Recovery Performance
2.8 Performance of Microfinance through SHGs
2.9 MFIs-Bank Linkage Programme
2.10 Regional Distribution
2.11 Developmental Schemes
2.12 Microfinance Bill, 2007
2.13 Conclusions
3. Microfinance and Government Agencies
3.1 Microfinance versus Conventional Banking
3.2 Role of NABARD
3.3 Graduation of Mature SHGs into Micro-enterprises
3.4 Microfinance and the Government
3.5 Microfinance and the Reserve Bank of India (RBI)
3.6 Kisan Credit Cards (KCCs)
3.7 Group to Examine Issues Relating to Rural Credit and Microfinance, 2005
4. Microfinance and Women Empowerment
4.1 Women and the Economy
4.2 Vicious Circle of Poverty and Gender Inequality
4.3 Gender Discrimination in Wages
4.4 Self-help Groups (SHGs) and Empowerment of Women
4.5 Microfinance and Women Empowerment
4.6 Summing Up
5. Microfinance and Financial Inclusion
5.1 Need for Financial Inclusion
5.2 Financial Inclusion for Poverty Alleviation
5.3 Strategy for Financial Inclusion
5.4 Recent Measures for Financial Inclusion
5.5 Recommendations of the Committee on Financial Inclusion

6. Microfinance and SHGs: Performance and Indicators
6.1 Participation in SHGs
6.2 Performance of SHGs
6.3 Loaning Performance
6.4 Repayment Performance
6.5 Income Generation Activity
6.6 Determinants of Repayment Behaviour
6.7 Impact on Household Income
6.8 Conclusions
Appendix: Microfinance: A Case Study of Haryana



S.M. Feroze is Assistant Professor of Economics, School of Social Sciences, College of Post-graduate Studies, (Central Agricultural University) Umiam, Meghalaya. He received his Ph.D. degree in Dairy Economics from National Dairy Research Institute (Deemed University), Karnal, Haryana in 2009. He successfully completed a research project on rice-based farming in North-East India funded by International Fund for Agricultural Development.

A.K. Chauhan is Principal Scientist (Agricultural Economics), Division of Dairy Economics, Statistics and Management, National Dairy Research Institute (Deemed University), Karnal, Haryana. He obtained his Ph.D. degree in Economics from Kurukshetra University, Kurukshetra, (Haryana)    in 1999. He has published a number of research papers in professional journals of repute.

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