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This book is both textual and contextual and focuses on the Indian Microfinance scenario. It gives an in-depth understanding on microfinance products, supported by relevant case studies and examples. The different components of microfinance in the Indian context are discussed with suitable examples such as demand and supply of microfinance,... Moreintermediation and regulations and so on. The book analyzes the role of microfinance and microfinance institutions in natural disasters and also scans various microfinance lending models practiced throughout the world, and focuses on the models practiced in India. As microfinance in India is a continuous changing practice, the various products, technology, innovations and product mix are captured with suitable examples, drawn from various institutions and organizations. Theories and practices in managing risk and uncertainties are also discussed. The book concludes with discussions on microfinance as a tool for poverty alleviation, social development, women empowerment, microenterprise development and socio-economic development of rural and urban poor, and is supported with many real cases drawn from the field. Table of contents : Preface About the Author 1 Microfinance: What is it? 1.1 History of Microfinance in India 1.2 Microfinance Defined 1.3 Microfinance Products 1.4 Microfinance Services 1.5 Microfinance and Rural Financial Services 1.6 Agricultural Microfinance 2 Supply, Intermediation and Regulations of Microfinance 2.1 Supply of Microfinance 2.2 Intermediation 2.3 Microfinance Distribution Models 2.4 Regulations and Supervision 3 Microfinance Credit Lending Models 3.1 Credit Lending Models 3.2 Differences Between SHG and JLG Model 3.3 Indian SHG: Problems and Issues 3.4 SHG-Bank Linkages Programmes in India 3.5 Transaction Cost and Time for Lending SHGs by the Lending Institution/Bank 3.6 Transaction Cost and Time for Borrowing the Loan by Borrower/SHG 3.7 SHG Clusters and Federations 4 Risks in Microfinance Institutions 4.1 Types of Risks in Microfinance 4.2 Risks in Agricultural Microfinance and Feasibility Tests for Agricultural Credits 4.3 Strategies for Risk Minimization 5 Social Rating, Credit Rating and Impact Assessment in Microfinance 5.1 Social Rating 5.2 Measuring Social Performance 5.3 Social Rating Components 5.4 Social Rating of MFIs by M-CRIL 5.5 Credit Rating Models in MFIs 5.6 Component of Analyzing Indian Self-Help Groups (SHGs) 5.7 Impact Assessment of Microfinance 5.8 Approaches of Impact Assessment 5.9 Method of Impact Assessment 6 Marketing in Microfinance Institutions 6.1 Background and Definitions 6.2 Market Research in Microfinance 6.3 Marketing Environment for Microfinance 6.4 Market Segmentation in Microfinance 6.5 Competition in MFIs 6.6 Growth Strategies for MFIs in Microfinance Sector 6.7 Customer Retention in Microfinance 6.8 Outreach of Microfinance 6.9 Rural MFIs Enter into Urban Markets and Vice Versa 6.10 Product Development in MFI 6.11 Recent Strategies of MFIs in Increasing Outreach, Market Share and Customer Retention 7 Microfinance and Disaster 7.1 Background 7.2 Pre-disaster Activities of MFIs for Clients 7.3 During Disaster and Post-disasters Activities of MFIs for Clients 7.4 Schedule Commercial Banks and Disasters 8 Microfinance and Development 8.1 Microfinance and Women Empowerment 8.2 Microfinance and Health 8.3 Microfinance, Microentrepreneurship and Business Development 8.4 Microfinance and Education 8.5 Microfinance and Networking and Linkage Building Case Studies on Self Help Groups Case 1: Linkage Building: A Case of Kalajhini Mahila Self-Help Group Case 2: Entrepreneurship of Purana Sahi Mahila Self-Help Group Case 3: Development of SHGs in Tribal Districts of Orissa Case 4: Capacity Building through Linkage Development: A Case of Maa Duarasuni SHG Case 5: Enterprising Mixed Self-Help Group: A Case of Adam Changa Self-Help Group Case 6: Self-Help Group Leads to Generation of Income and Livelihood Portfolios: A Case of Patherkata Village Committee Case 7: Institutionalization by a SHG through Networking Case 8: Jay Hanuman Krushak Kalyan Sangh Bibliography Further Reading List of Tables List of Figures List of Boxes Index Market Description : · Students of Rural Management, Microfinance, Rural Development, Agribusiness Management, Social Works and Social Service · Practitioners working in microfinance institutions; researchers working on microfinance in India · For NGO’s in India About Author : Prof. Debadutta K. Panda is presently working as a core faculty member at Xavier Institute of Social Service (XISS), Ranchi. He is an M.Sc. in Agricultural Economics from Orissa University of Agriculture and Technology (OUAT), Bhubaneswar and a Post Graduate in Rural Management from Xavier Institute of Management (XIM), Bhubaneswar and is continuing his doctoral research on microfinance. Prof. Panda has worked on consulting and research assignments for agencies like United Nations Development Programme (UNDP), World Food Programme (WFP), World Wide Fund for Nature-India (WWF), United Nations Industrial Development Organization (UNIDO), World Bank, Asian Development Bank (ADB), GVT, MART, CFMR, Government of Orissa, Government of India, AMITY Bhubaneswar Campus (Amity University) and Orissa University of Agriculture and Technology
ISBN : 9788126519446
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Pages : 296
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