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Micro Finance, Micro Enterprises and Women Entrepreneurs
By Rabindra Kumar Swain

First Published : 2014
ISBN : 9788177083736
Pages : 212
Binding : Hardbound
Size : 5 x 9
Price : US$ 42

Micro finance is the provision of a diverse range of financial services and products including small loans (micro credit), saving accounts, insurance, pensions and money transfers. These are designed to assist people living in poverty who are not able to access financial services in the mainstream banking sector because they have no collateral, formal identification or steady income.

Micro enterprises contribute significantly to economic growth, equity and social stability. The sector is one of the most important vehicles through which low-income-earning people can escape poverty. With limited skills and education, poor women, particularly in rural areas, find tremendous economic opportunities in micro enterprises.

   This book explains and examines the role of micro finance and micro enterprises in empowering women from disadvantaged sections of the Indian economy. 

1. Role of Women in Society
1.1 Economic and Social Role of Women Entrepreneurs
1.2 Nature of Women Entrepreneurship
1.3 Problems of Women Entrepreneurs

2. Women Empowerment through Entrepreneurship
2.1 Entrepreneurs and Entrepreneurship
2.2 Self-employed Women
2.3 Women and Tribal Area Development
2.4 Review of Literature

3. Micro Finance and Micro Enterprises
3.1 Gender Disparity
3.2 Micro, Small and Medium Enterprises (MSMEs)
3.2.1 Micro, Small and Medium Enterprises Development (MSMED) Act, 2006
3.3 Current State of MSMEs
3.4 Micro Finance and Women Entrepreneurs
3.5 Self-help Groups (SHGs) and Micro Credit for Women Entrepreneurs
3.6 Micro Enterprises and SHGs for Empowerment
3.7 Micro Finance and Informal Economy
3.8 Constraints of Micro Enterprises
3.9 Micro Enterprises and the Ultra Poor
3.10 Women Empowerment and Micro Enterprise Services
3.11 Challenges of Micro Finance and Micro Enterprises
3.11.1 Financial Sustainability
3.11.2 Market Penetration
3.11.3 Fragmentation
3.12 Indigenous Knowledge and Micro Enterprises
4. Problems and Prospects of Micro Entrepreneurs
4.1 Problems
4.2 Major Constraints Faced by Women Entrepreneurs
4.2.1 Infrastructural Constraints
4.2.2 Governance, Safety and Rule of Law Constraints
4.2.3 Productive Sector Constraints
5. Government Policy and Schemes/Programmes for Women Entrepreneurs
5.1 Central Government Schemes and Projects
5.1.1 Swarnajayanti Gram Swarozgar Yojana (SGSY)
5.1.2 Indira Mahila Yojana (IMY)
5.1.3 Mahila Samriddhi Yojana (MSY)
5.1.4 The Swa-Shakti Project
5.2 Schemes of the Ministry of Micro, Small and Medium Enterprises (MSMEs)
5.2.1 Trade Related Entrepreneurship Assistance and Development Scheme for Women (TREAD)
5.2.2 Micro and Small Enterprises Cluster Development Programme (MSE-CDP)
5.2.3 Credit Guarantee Fund Scheme for Micro and Small Enterprises
5.2.4 Support for Entrepreneurial and Managerial Development
5.2.5 Exhibitions for Women under Promotional Package for Micro and Small Enterprises Approved by CCEA under Marketing Support
5.3 RBI and Women Empowerment
5.3.1 Redefining of Banks’ Policies/Long-Term Plans
5.3.2 Setting up Women Cells
5.3.3 Simplification of Procedural Formalities
5.3.4 Orientation of Bank Officers/Staff on Gender Concerns/Credit Requirements of Women
5.3.5 Publicity Campaign for Creating Awareness about Credit Facilities
5.3.6 Entrepreneurship Development Programmes/Training Facilities for Women
5.3.7 Specialized Branches for Women
5.3.8 Motivational Strategies to Enthuse Bank Officials/Staff
5.3.9 Monitoring System
5.3.10 Data Collection
5.3.11 Strengthening of Existing Schemes
5.3.12 Increasing the Limit for Non-obtention of Collateral Security
5.3.13 Involving NGOs/SHGs/Women Co-operatives
5.3.14 Mahila Rural Co-operative Banks
6. Financial/Credit Reach of Women Entrepreneurs
6.1 Introduction
6.2 Access to Financial Resources
6.3 Micro Finance, Micro Credit and Women Entrepreneurs
6.4 Women’s Access to Credit and Micro Finance
6.4.1 Regulatory Bodies
6.4.2 Apex Bodies/Wholesalers
6.4.3 Intermediaries
6.4.4 Clients/SHGs-Clusters-Federations
7. Marketing Reach of Women Entrepreneurs
7.1 Introduction
7.2 Marketing-Mix: 4Ps and MSMEs
7.2.1 Product
7.2.2 Price
7.2.3 Place
7.2.4 Promotion
7.3 Lack of Market Related Knowledge
7.4 Literature Review
7.5 MSMEs: Market Access and Linkage
7.6 Marketing Services
7.6.1 Marketing Services in the Input Phase
7.6.2 Marketing Services in the Output Phase
7.7 Marketing Strategy
7.8 Strategic Marketing
7.8.1 Barriers to the Application of Strategic Marketing in SMEs
Appendix: Women Empowerment through Entrepreneurship: A Case Study of Kalahandi, Bolangir, and Koraput (KBK) Districts of Odisha




Dr. Rabindra Kumar Swain is Assistant Professor in Post-graduate Department of Commerce, Utkal University, Bhubaneswar, Odisha. He did his M.Com., M.Phil. and Ph.D. from Utkal University, Bhubaneswar. He also served at Hindustan Aeronautics College, Sunabeda Division.

Dr. Swain has published research articles in national and international journals. He has attended and presented papers at various conferences/seminars. He specializes in the study of micro finance and micro enterprises.

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