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Micro Finance and Empowerment of Rural Poor in India
By Sudhansu Kumar Das , Sanjeeb Kumar Jena

First Published : 2012
ISBN : 9788177083040
Pages : 200
Binding : Hardbound
Size : 5 x 9
Price : US$ 31

In India, the micro finance initiative of National Bank for Agriculture and Rural Development (NABARD) has passed through various phases over the last two decades, viz. pilot testing during 1992 to 1995, mainstreaming during 1996 to 1998 and expansion from 1998 onwards.

Micro finance has emerged as a visible credit channel to the poor as their access to conventional credit sources is constrained by the requirement of collaterals and high transaction costs. Micro finance is routed through self-help groups (SHGs). Over the years the SHG-bank linkage programme has emerged as the major micro finance programme in the country. The focus of SHG-bank linkage programme is largely on those rural poor who have no sustainable access to the formal banking system. The target groups, therefore, broadly comprise small and marginal farmers, agricultural and non-agricultural labourers, artisans and craftsmen and other poor engaged in small businesses like vending, and hawking.

The programme has been providing the rural poor, access to the formal banking system and has achieved several milestones in terms of gender sensitisation, empowerment and poverty alleviation.

This volume contains 8 research papers—contributed by experts in the field—which provide deep insights into the role and functioning of micro finance institutions as strategic partners in the empowerment of rural poor. 


1. Micro Finance and the Empowerment of Socially Excluded

Sanjeeb Kumar Jena and Sudhansu Kumar Das

2. Micro Finance for Financial Inclusion

Kartick Das

3. Micro Finance: A New Development Paradigm for Rural Transformation

Bhupen Pathari

4. Micro Credit for Development of Micro Enterprises

J.C. Kalita

5. Micro Finance: A Vehicle for Rural Development

S.K. Choudhury and B.B. Padhiari

6. Micro Finance and Entrepreneurship

Sanjeeb Kumar Jena

7. Micro Finance and Self-help Groups (SHGs)

L. Chakraborty

8. Financial Inclusion in India

Sanjay Kanti Das

Appendix: Financial Sector Reforms in India



Sudhansu Kumar Das is currently lecturer in Commerce, V.N. (Autonomous) College, Jajpur, Orissa, affiliated to Utkal University, Bhubaneswar. He was awarded Ph.D. degree by Utkal University, Orissa in 2006. He has published 3 books, 8 papers and 15 articles. He has completed one UGC-sponsored research project and organized state level seminars. His areas of research interest include development economics, gender studies and finance.

Sanjeeb Kumar Jena is Lecturer in Commerce in Aeronautic College, HAL, Sunabeda, Orissa. He obtained his masters degree from Utkal University, Bhubaneswar in 1990, topping the list of successful candidates. He was awarded Ph.D. degree by the same university in 2011. He has to his credit a number of research papers published in reputed journals.

Sanjay Kanti Das is presently Head, Department of Commerce, Lumding College, Lumding, Nagaon, Assam. He has contributed a number of research papers in different research journals and books. His key areas of interest are banking and finance, micro credit, and rural development.

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