phd thesis on microfinance in india

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Growth of Indian microfinance : a case-study-based review of trends and challenges

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Microfinance and Financial Inclusion in India

• First Online: 30 September 2016

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• Rajesh Chakrabarti 4 &
• Kaushiki Sanyal 5  

Part of the book series: Palgrave Studies in Impact Finance ((SIF))

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Access to financial services such as credit, savings, insurance, and remittance facilities is a necessity for the poor at least as much as it is for the affluent and the middle class. Research has shown that even households with incomes of less than a dollar a day per person rarely consumed every penny as soon as it was earned. Instead, they sought to “manage” their money by saving when they could and borrowing when they needed to. Since financial institutions in the formal sector were reluctant to lend to people in the low-income group, the microcredit industry stepped into fill the gap (Collins et al. 2009; Morduch 1999).

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Chakrabarti, R., Sanyal, K. (2016). Microfinance and Financial Inclusion in India. In: Gopalan, S., Kikuchi, T. (eds) Financial Inclusion in Asia. Palgrave Studies in Impact Finance. Palgrave Macmillan, London. https://doi.org/10.1057/978-1-137-58337-6_7

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institute, bhubaneshwar 1, international management institute kolkata 2, invertis university, bareily 1, isbm university 1, isbr business school 1, islamic university of science and technology 53, itm university, gwalior 28, jadavpur university 4011, jagadguru ramanadacharya rajasthan sanskrit university 2, jagannath university 224, jagannath university, jhajjar 71, jagran lakecity university 33, jai narain vyas university 643, jain university 768, jain vishwa bharati university 246, jai prakash vishwavidyalaya 3, jaipur national university 356, jamia hamdard university 955, jamia milia islamia university 2568, janardan rai nagar rajasthan vidhyapeeth 1, jawaharlal nehru architecture and fine arts university 9, jawaharlal nehru centre for advanced scientific research 42, jawaharlal nehru krishi vishwavidyalaya, jabalpur 2, jawaharlal nehru technological university, anantapuram 1349, jawaharlal nehru technological university, hyderabad 1495, jawaharlal nehru technological university, kakinada 310, jawaharlal nehru university 8219, jayoti vidyapeeth women s university 388, jaypee institute of information technology 346, jaypee university of engineering & technology, guna 122, jaypee university of information technology, solan 282, j. c. bose university of science and technology, ymca, faridabad 67, jecrc university 89, jharkhand rai university 48, jis university, kolkata 27, jiwaji university 2348, jk lakshmipat university 24, jodhpur national university 2, jss academy of higher education & research 448, jss science and technology university, mysuru 26, j.s. university, shikohabad 26, junagadh agricultural university 1, kadi sarva vishwavidyalaya 620, kakatiya university, warangal 565, kalasalingam university 406, kalinga institute of social sciences (kiss) 11, kalinga university 238, kamdhenu university 8, kameshwara singh darbhanga sanskrit vishwavidyalaya, darbhanga 3, kannada university 101, kannur university 890, karnataka samskrit university 67, karnataka state law university 15, karnataka state open university 17, karnataka state womens university 307, karnataka veterinary, animal and fisheries sciences university 102, karnatak university 5191, karnavati university 18, karpagam university 299, karunya university 656, kavayitri bahinabai chaudhari north maharashtra university 1289, kavikulaguru kalidas sanskrit university 150, kazi nazrul university 28, kerala agricultural university 62, kerala university of health sciences 3, khwaja moinuddin chishti urdu, arabi-farsi university 16, kiit university 1089, king george medical university 21, kle technological university 20, kle university 210, kolhan university 33, koneru lakshmaiah education foundation 966, krantiguru shyamji krishna verma kachchh university 124, krea university 4, krishna institute of medical sciences, deemed to be university karad 77, krishna kanta handiqui state open university 44, krishna university, machilipatnam 69, k.r. mangalam university, gurgaon 105, kumaun university 2012, kurukshetra university 1517, kushabhau thakre patrakarita avam jansanchar vishwavidyalaya 7, kuvempu university 1389, lakshmibai national university of physical education 229, lakulish yoga university 28, lalit narayan mithila university 6847, lingayas vidyapeeth 107, lnct university 147, lovely professional university 924, madan mohan malaviya university of technology 101, madhav university 253, madhyanchal professional university 4, madhya pradesh bhoj (open) university 9, madurai kamaraj university 6006, magadh university 57, mahapurusha srimanta sankaradeva viswavidyalaya 43, maharaja agrasen university 120, maharaja ganga singh university 2295, maharaja krishnakumarsinhji bhavnagar university 1506, maharaja ranjit singh punjab technical university 19, maharaja sayajirao university of baroda 4090, maharaja sriram chandra bhanja deo university 19, maharaja vinayak global university 125, maharana pratap university of agriculture and technology 169, maharashtra animal and fishery sciences university 17, maharashtra national law university nagpur 5, maharashtra university of health sciences 221, maharishi markandeshwar university, mullana 523, maharishi markandeshwar university, sadopur (ambala) 27, maharishi university of information technology 68, maharshi dayanand saraswati university 227, maharshi dayanand university 4725, mahatma gandhi antarrashtriya hindi vishwavidyalaya 255, mahatma gandhi chitrakoot gramodaya vishwavidyalaya 161, mahatma gandhi kashi vidyapith 4972, mahatma gandhi univeristy of medical sciences & technnology , jaipur 40, mahatma gandhi university 3983, mahatma gandhi university, nalgonda 24, mahatma jyotiba phule rohilkhand university 1688, makhanlal chaturvedi national university of journalism and communication, bhopal 22, malaviya national institute of technology jaipur 444, malwanchal university, indore 44, management development institute gurgaon 25, manav rachna international institute of research and studies 238, manav rachna university 64, mandsaur university 66, mangalayatan university 148, mangalore university 2053, manipal academy of higher education 1768, manipal university jaipur 345, manipur university 1860, manonmaniam sundaranar university 7613, martin luther christian university 44, marwadi university 18, mats university 134, maulana abul kalam azad university of technology 97, maulana azad national institute of technology bhopal 282, maulana azad national urdu university 424, m.b.m. university 20, medi caps university, indore 26, meenakshi academy of higher education and research 177, mewar university 345, mgm institute of health sciences 139, mica, ahmedabad 26, mit-adt university, pune 56, mizoram university 864, mody university of science and technology 122, mohammad ali jauhar university 6, mohan lal sukhadia university 1070, monad university 38, motherhood university 12, mother teresa womens university 1072, motilal nehru national institute of technology 607, m s ramaiah university of applied sciences 81, mvn university,palwal 71, nagaland university 556, narsee monjee institute of management studies 287, national brain research centre 97, national institute of educational planning and administration (niepa) 34, national institute of fashion technology delhi 30, national institute of food technology entrepreneurship and management - niftem (k)kundli 25, national institute of food technology entrepreneurship and management thanjavur (niftem-t) 27, national institute of pharmaceutical education and research, ahmedabad 31, national institute of pharmaceutical education and research, guwahati 23, national institute of pharmaceutical education and research, hajipur 11, national institute of pharmaceutical education and research, hyderabad 41, national institute of pharmaceutical education and research kolkata 14, national institute of pharmaceutical education and research, raebareli 6, national institute of technology agartala 182, national institute of technology arunachal pradesh 54, national institute of technology calicut 228, national institute of technology delhi 71, national institute of technology durgapur 160, national institute of technology goa 49, national institute of technology hamirpur 94, national institute of technology jamshedpur 154, national institute of technology karnataka 494, national institute of technology,kurukshetra 158, national institute of technology manipur 75, national institute of technology mizoram 34, national institute of technology nagaland 11, national institute of technology (nit) meghalaya 100, national institute of technology (nit), warangal 555, national institute of technology patna 368, national institute of technology puducherry 59, national institute of technology raipur 230, national institute of technology, rourkela 398, national institute of technology sikkim 29, national institute of technology silchar 69, national institute of technology srinagar 207, national institute of technology tiruchirappalli 234, national institute of technology uttarakhand 35, national law institute university, bhopal 8, national law school of india university 48, national law university and judicial academy, assam 9, national law university, delhi 37, national law university, odisha 16, national museum institute of hisotry of art conservation and musicology 2, national sanskrit university 54, navrachana university 27, nehru gram bharati university 161, netaji subhas open university 1, netaji subhas university of technology 9, niilm university 41, niit university 15, nims university rajasthan 360, nirma university 395, nirwan university jaipur 13, nitte university 94, noida international university 95, noorul islam centre for higher education 351, north-eastern hill university 2765, north eastern regional institute of science and technology (nerist) 103, odisha university of agriculture and technology 160, om sterling global university 135, o.p. jindal university 9, opjs university 21, oriental university 92, osmania university 1710, pacific university 2339, padmashree dr. d.y. patil vidyapeeth, navi mumbai 83, pandit deendayal petroleum university 182, pandit s. n. shukla university, shahdol 14, parul university 202, patna university 354, peoples university, bhopal 36, periyar maniammai university 157, periyar university 3329, pes university 24, p.k. university 28, pondicherry university 2584, poornima university 76, potti sreeramulu telugu university 1, p p savani university 3, pravara institute of medical sciences 47, presidency university 119, presidency university, karnataka 177, prist university 86, pt. ravishankar shukla university 2934, pt. sundarlal sharma open university bilaspur 250, punjab engineering college (deemed to be university) 60, punjabi university 3231, rabindra bharati university 427, rabindranath tagore university, bhopal 332, raffles university 20, raiganj university 189, rai university 293, rajasthan technical university, kota 155, rajiv gandhi institute of petroleum technology 37, rajiv gandhi national institute of youth development 7, rajiv gandhi national university of law punjab 33, rajiv gandhi proudyogiki vishwavidyalaya 681, rajiv gandhi university 676, rajmata vijayaraje scindia krishi vishwa vidyalaya, gwalior 3, rama devi womens university 13, ramakrishna mission vivekananda educational and research institute 222, ramakrishna mission vivekananda university 1, rama university, uttar pradesh 78, ramchandra chandravansi university 14, ranchi university 128, rani channamma university 128, rani durgavati vishwavidyalaya 356, rashtrasant tukadoji maharaj nagpur university 313, rashtriya raksha university 19, ravenshaw university 486, rayat bahra university, mohali 16, regional centre for biotechnology 1, renaissance university 26, reva university 219, rimt university 32, rkdf university 133, rkdf university ranchi 2, rk university 296, rnb global university 5, sabarmati university 7, sage university, indore 93, sai nath university 138, sambalpur university 1814, sam higginbottom institute of agriculture, technology and sciences 560, sampurnanand sanskrit vishwavidhyalaya 3, sanchi university of buddhist-indic studies, bhopal 6, sandip university 46, sangam university 70, sanjay gandhi post graduate institute of medical sciences, lucknow 12, sanjay ghodawat university 2, sankalchand patel university 63, sanskriti university 53, sant baba bhag singh university 38, sant gadge baba amravati university 3037, sant longowal institute of engineering and technology 315, santosh deemed to be university 104, sardarkrushinagar dantiwada agricultural university 3, sardar patel university 3703, sardar vallabhbhai national institute of technology surat 411, sarvepalli radhakrishnan university 145, sastra university 561, satavahana university 12, sathyabama institute of science and technology 422, saurashtra university 3283, saveetha university 841, school of planning and architecture, bhopal 23, school of planning and architecture, new delhi 49, school of planning and architecture vijayawada 10, seacom skills university 142, sgt university 105, sharda university 230, sher-e-kashmir university of agricultural sciences and technology of jammu 154, shivaji university 4998, shiv nadar university 184, shobhit university, gangoh 31, shobhit university, meerut 166, shoolini university of biotechnology and management sciences 521, shree somnath sanskrit university 110, shri govind guru university 93, shri guru ram rai university 78, shri jagdishprasad jhabarmal tibarewala university 3676, shri khushal das university 144, shri lal bahadur shastri national sanskrit university 556, shri mata vaishno devi university 237, shri ramswaroop memorial university 156, shri rawatpura sarkar university 1, shri vaishnav vidyapeeth vishwavidyalaya 47, shri venkateshwara university, uttar pradesh 20, shyam university 17, siddharth university 6, sidho kanho birsha university 141, sido kanhu murmu university 21, sikkim manipal university 94, sikkim university 233, siksha "o" anusandhan university 568, singhania university 23, sir padampat singhania university 77, sister nivedita university 1, sndt womens university 1263, solapur university 270, south asian university 2, s. p. jain institute of management and research 5, sree sankaracharya university of sanskrit 723, sri balaji university, pune 4, sri balaji vidyapeeth 57, sri chandrasekharendra saraswathi viswa mahavidyalaya 417, sri devaraj urs academy of higher education and research 44, sri guru granth sahib world university 85, sri guru ram das university of health sciences 9, sri krishnadevaraya university 3434, srinivas university 20, sri padmavathi womens university 257, sri ramachandra institute of higher education and research 381, sri sai university 2, sri sathya sai institute of higher learning 110, sri satya sai university of technology & medical sciences 80, sri siddhartha academy of higher education 89, sri sri university 17, sri venkateswara institute of medical sciences 32, sri venkateswara university 5460, srm institute of science and technology 1652, srm university- ap 30, srm university, delhi-ncr, sonepat 83, sr university 1, starex university 16, st. joseph university, dimapur 19, st. peter’s institute of higher education and research 405, st. xaviers university, kolkata 1, sumandeep vidyapeeth deemed to be university 49, sunrise university 20, suresh gyan vihar university 397, sushant university (earlier ansal university) 59, swami rama himalayan university 22, swami ramanand teerth marathwada university 5664, swami vivekanad subharti university 224, swami vivekananda yoga anusandhana sansthana 145, swami vivekanand university 81, swarnim gujarat sports university 7, symbiosis international university 525, tamil nadu agricultural university 1421, tamil nadu dr. ambedkar law university 71, tamil nadu open university 54, tamilnadu physical education and sports university 262, tamil nadu teachers education university, chennai 203, tamil nadu veterinary and animal sciences university 79, tamil university 169, tantia university 402, tata institute of fundamental research 1032, tata institute of social sciences 600, techno india university 4, teerthanker mahaveer university 104, teri school of advanced studies 140, tezpur university 951, thapar institute of engineering and technology 1237, the assam kaziranga university 24, the assam royal global university 15, the charutar vidya mandal cvm university 8, the english & foreign languages university, hyderabad 823, the gandhigram rural institute 1415, the icfai university, dehradun 48, the iihmr university, jaipur 35, the indian law institute, new delhi 19, the lnm institute of information technology 35, the national academy of legal studies and research (nalsar) university of law 50, the national university of advanced legal studies 4, the neotia university 4, the northcap university 113, the tamil nadu dr. m.g.r. medical university 482, the university of burdwan 3152, the west bengal national university of juridical sciences 43, thiruvalluvar university 289, thunchath ezhuthachan malayalam university 16, tilak maharashtra vidyapeeth 916, tilka manjhi bhagalpur university 273, tripura university 482, tumkur university 299, uka tarsadia university 121, university of agricultural sciences, bangalore 458, university of agricultural sciences, dharwad 286, university of agricultural sciences, raichur 63, university of allahabad 2625, university of calicut 2302, university of delhi 5324, university of engineering and management, kolkata 17, university of gour banga 12, university of hyderabad 2777, university of jammu 1254, university of kalyani 3122, university of kashmir 2017, university of kerala 7488, university of kota 139, university of lucknow 6799, university of mysore 4421, university of north bengal 2072, university of patanjali 38, university of petroleum and energy studies (upes) 404, university of rajasthan 1810, university of science and technology, meghalaya 101, u.p. pt. deen dayal upadhyaya pashu chikitsa vigyan vishwavidhyalaya evam go anusandha sansthan 80, u p rajarshi tondon open university 336, usha martin university 21, utkal university 5708, uttarakhand open university 30, uttarakhand sanskrit university 57, uttarakhand technical university 281, uttaranchal university 79, vardhaman mahaveer open university, kota 23, v. b. s. purvanchal university 9315, veer kunwar singh university, arrah 32, veer narmad south gujarat university 3391, veer surendra sai university of technology 189, vellore institute of technology bhopal 11, vellore institute of technology, vellore 2282, vellore institute of technology (vit-ap) 97, vels university 1035, vel tech rangarajan dr. sagunthala r&d institute of science and technology 261, vidyasagar university 912, vignans foundation for science technology and research 221, vijayanagara sri krishnadevaraya university, bellary 131, vikram university 95, 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THE ROLE OF MICROFINANCE IN POVERTY REDUCTION: The Case of Specialized Financial Promotion Institute (SFPI

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Zewdu Teshome

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Dilayehu Daniel

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Acadamic edu

Gemechu D . Yadata

According to findings of different authors microfinance is providing financial services to unemployed and low income individuals or groups who would have no access to formal banking services. It has positive impact on the living standard of the poor people in particular and alleviating poverty in their household in general. It is not only undermining poverty in the city, but also empowering women through surviving and making their life prosperous with dignity and self reliance by providing financial services. And also Ethiopian Microfinance is facing different challenges in empowering such as lack of collateral assets, lack of information, work burden, production failures, verbal abuse, lack of infrastructure, low institutional capacity and opportunities of women in microfinance are providing startup capital, women empowerment, poverty eradication, social and political empowerment, improved saving skills and the above challenges listed should be take consideration by government and concerned body as well as problem solving study must be conducted. key words, micro finance ,gender and finance

Zelalem Hailu

Microfinance is currently being promoted as a key development strategy for promoting poverty reduction and empowerment of people economically. This is because of its potential to effectively address poverty by granting financial services to households who are not served by the formal banking sector. This study attempted to investigate the effects of MFIs on poverty reduction. The study focused on places located in Addis Ababa, especially in Akaki Kality sub city as a case study. It intended to cover credit facilities provided by the MFIs and clients perception on income improvement and/or reduced poverty levels. The study used descriptive survey design. The target population was one staff/administrators and 50 clients or recipients of the MFIs. The study employed stratified sampling technique to select staff of the selected MFIs and clients. Both qualitative and quantitative data analysis methods were used. The study revealed that as a microfinance institution has been providing microfinance services to different groups of youth specially women - productive or active poor and that the institution uses various strategies to deliver its services such as granting small loans to women to help them start businesses, grow their businesses and educate their children. To enhance client’s business skills to use credit and establish market channels for their products, the study recommends that microfinance institutions can arrange mechanisms to improve technical and business skills of the poorest through training and loan utilization. The study also recommended that MFIs should put in place micro-insurance schemes which could help clients to pool risk or share losses.

Journal of International Development

Gurmeet Singh

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