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Relevant bibliographies by topics / Role of Micro-Finance

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Academic literature on the topic 'Role of Micro-Finance'

Author: Grafiati

Published: 4 June 2025

Last updated: 23 June 2025

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Journal articles on the topic "Role of Micro-Finance"

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Varshini V, Amrutha, and Lokesha K. Lokesha K. "Role of Micro Finance in India–A Study." Indian Journal of Applied Research 4, no. 6 (2011): 62–64. http://dx.doi.org/10.15373/2249555x/june2014/18.

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Pandya, Dr Bhavini. "The Role of Micro Finance Institutions In Economic Development And Problems of Micro Finance Lending In Global Era." Indian Journal of Applied Research 3, no. 2 (2011): 17–22. http://dx.doi.org/10.15373/2249555x/feb2013/8.

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Sur, Madhushree. "Role of Micro-Finance Banks & Institutions in Creating Self-Employment." International Journal of Scientific Engineering and Research 5, no. 7 (2017): 89–92. https://doi.org/10.70729/ijser171617.

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Tailor, R. K., and Palak Sharma. "Role of kitty party in micro finance." Journal of Management Research and Analysis 8, no. 4 (2021): 198–201. http://dx.doi.org/10.18231/j.jmra.2021.038.

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Traditionally, women all over the world have been saving time in their busy schedule to share with others. Kitty parties allow women to move from the humdrum of normal life to meet friends and engage. They provide women with a way to establish friendships, share grievances, practice self-care, and find comfort in the sisters built during this encounter. Each month, a group of women come together for a cat party filled with local music, games, and local delicacies. During this circle, each guest contributes a set amount of money to a bag called a kitty. This kitty is designed for a specific member every month. At the end of the kitty party, that member takes his or her winning money home and is responsible for hosting the next kitty party. This process continues until all the women in the group have found the kitty once, and then it starts again. This paper is focused for micro finance through kitty party.

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Mohanty, Anoop, and Chaitanya Kumar. "Role of micro finance in Indian economy." Al-Barkaat Journal of Finance & Management 11, no. 2 (2023): 1–9. https://doi.org/10.5958/2229-4503.2024.00001.5.

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Muralidhar, S., and K. Sharada. "Role of Micro Finance in Financial Inclusion." Ushus - Journal of Business Management 11, no. 2 (2012): 41–55. http://dx.doi.org/10.12725/ujbm.21.3.

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Financial Inclusion (FI) is delivery of banking services at an affordable cost to the vast sections of disadvantaged and low income groups. When bankers do not give the desired attention to certain areas, the regulators have stepped into remedy the situation. This is the reason why the RBI is placing a lot of emphasis on Financial Inclusion.

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Maurya, Shivani. "Role of Micro-Finance in India- A Conceptual Study." RESEARCH REVIEW International Journal of Multidisciplinary 8, no. 2 (2023): 29–35. http://dx.doi.org/10.31305/rrijm.2023.v08.n02.006.

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Micro-finance plays an important role in rendering financial services to financially and economically backward people. It has many social as well as economic implications such as curtailment of poverty, improvement in standard of living, financial literacy, women empowerment and economic growth of the nation. Micro-finance not only provides microcredit but also various services like deposits, insurance, money transfer, payment services, saving, etc. In a developing country like India where a large portion of the population is living below poverty and a large number of people are unable to get access to traditional banking services, the importance of microfinance cannot be undetermined. With the aim of developing financial inclusion and equality, the idea of micro-finance acts as an alternative source to provide loans to poor people. This research paper is based on secondary data which discusses the concept of micro-finance and also focuses on identifying the current scenario and the role of micro-finance in the growth and development of India.

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Malleswari, B. "Tourism in India: The role of MFIs in India’s tourism." International journal of health sciences 9, S1 (2025): 15–25. https://doi.org/10.53730/ijhs.v9ns1.15513.

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The present study tries to identify the role of micro finance in the changing tourism development scenario as it is one of the option for the inclusive growth. Many developing countries consider promoting tourism as a main strategy for achieving economic growth. The tourism sector is mainly organized through micro and small-scale enterprises. In developing countries due to lack of access to credit and other finance, do not consider them as clients and government support is only aimed at attracting foreign direct investments (FDI), and not oriented towards expansion of domestic business in tourism. Financial sector modernization in some developing countries has been pushed in recent years through Microfinance Institutions (MFIs). They deliver credit to micro and small enterprises and contribute to poverty reduction by providing poor people to access financial services. Micro Finance Institutions have an ability to create a positive impact on the development of tourism industry, particularly in emerging countries. Over the years, micro-finance as well as tourism sectors have been promoted independently. Till now, in tourism destinations, these MFIs are unable to close finance gap in supply and demand for finance.

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Monish P. "Analysing Challenges Faced by Micro Finance Institutions and Exploring Linkages on Rural Development and Quality of Life." Jurnal Multidisiplin Madani 4, no. 1 (2024): 97–101. http://dx.doi.org/10.55927/mudima.v4i1.3046.

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Micro finance institutions play a significant role in economic development of India. Such institutions provide financial access to lower income people. These institutions are very helpful for poor people who lack access of banking services. Micro finance institutions provide a large variety of financial and non-financial services to people including credit, counseling, and training. Such institutions are necessary to achieve rural development, financial inclusion and women empowerment. Today micro finance institutions are faced many problems. Problems of non-performing assets are considered as a big challenge for micro finance institutions. Financial illiteracy, lack of speedy generation of funds, lack of proper infrastructure, political interference and competition are the other challenges faced by micro finance institutions. This chapter made an attempt to analyze the problems faced by micro finance institutions and understand the role of micro finance in rural development

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Leebana Gracy, I., and R. Radhika Devi. "The Role of Micro Finance in Empowering Women." Shanlax International Journal of Management 12, no. 1 (2024): 31–35. http://dx.doi.org/10.34293/management.v12i1.7864.

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The paper aims to emphasize the importance of microfinance in empowering women. The research involves a descriptive design. Numerous developmental initiatives and schemes are put into action. There are microfinance programs that are focused on rural areas and women who are economically disadvantaged in society and aimed at those who are on the fringes of society. Microfinance is a potent tool that is efficient and impactful the empowerment of women. Women empowerment faces a significant amount of obstacles financial situation, lack of education, without skills, joblessness, limited availability of land, housing, and transportation electricity and choosing as a family. It is seen as one of the most successful ways to reduce poverty instruments. Microfinance services are seen as a way to start or a means to enable empowerment females. Members of MFIs play a larger role in saving and contributing. Generating income decision making within the household, and engaging in activities outside the household sector.Despite numerous poverty alleviation programs being initiated; only microfinance has proven effective. Programs are typically associated with impoverished and women from rural areas. Microfinance is considered as one of the most effective solutions for addressing financial needs. Promote self-employment, particularly among impoverished women in rural areas. It offers assistance to individuals those without any assets to use as security for the loans. Women who have the ability to access able to foster entrepreneurship among individuals who previously had limited access to traditional financial services empowered economically and socially by earning more money from small projects and overall well-being of individuals in developing countries community initiatives and support groups promoting the empowerment and self-value of women. Microfinance becomes catalyst for societal transformation and the empowerment of women.

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Dissertations / Theses on the topic "Role of Micro-Finance"

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Saha, Ratul. "Role of micro finance in women empowerment and poverty alleviation through the working of the self help groups: a case study of two districts in West Bengal." Thesis, University of North Bengal, 2016. http://ir.nbu.ac.in/handle/123456789/2566.

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Jolaoso, Enoch Olatilewa. "THE ROLE OF MICRO-FINANCE IN ALLEVIATING POVERTY IN RURAL AREARS IN NIGERIA (A CASE STUDY OF ORI-ADE LOCAL GOVERNMENT OSUN STATE)." OpenSIUC, 2018. https://opensiuc.lib.siu.edu/theses/2273.

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Despite abundant natural resources, such as agricultural, petroleum, gas and mineral resources, the poverty situation has been on the rise. Particularly worrisome is that the country earned over US$300 billion from one resource – petroleum – during the last three decades of the twentieth century. But rather than record remarkable progress in national socio -economic development, Nigeria retrogressed to become one of the 25 poorest countries at the threshold of twenty-first century whereas it was among the richest 50 in the early-1970s. An important reason could be the disparate distribution of gains from production and trade. A closer look at the industries that did well in the past three to four decades suggests that utilizing these resources required large investments which only drew large companies. Without a good social distribution model, the gap between the haves and have-nots have only widened. Despite gains in the GDP, the poverty rate continued to slide, and is currently around 40%. Nigeria has strived to reduce poverty and increase participation of ordinary citizens in the economic development. Some of the earlier efforts by the government focused on education, then on increased farm production, and finally on microfinance. To encourage very small business owners to make investments and to foster a small business-friendly environment, the government initiated a series of microfinance programs. Microfinance refers to loans, savings opportunities, insurance, money transfers and other financial products targeted at the poor; micro-credit refers specially to small loans. Three features distinguish microfinance from other formal financial products. These are: (a) small loan principals of the loans advanced or savings collected; (b) absence of asset based collateral; and (c) simplicity of operations. In 2005, the federal government implemented a policy that led to the establishment of microfinance banks operating in two-tiers. At the local level, the microfinance banks would provide capital of up to 20 million naira (₦). At the state level, the microfinance banks had to provide capital of 1 billion naira. In 10 years or so, the number of micro-lending organizations had risen to more than 7,000 (Mohammed and Hasan, 2008). The main goals of these efforts were to reduce poverty status of the people by providing them self-employment opportunities, focusing especially on access to credit facilities to enable them to establish their own business. Since banks had high stakes on the borrower’s business success, they regularly enquired about the financial aspects of their business and specifically about the use of the borrowed funds. The questions specific to microcredit program recipients that we answer in this study are: (a) did the program increase microcredit access to poor people; (b) did the program reduce poverty and improve the standard of living; and (c) did credit-constrained recipients experience increase in profitability. To answer the research question, a survey questionnaire was designed and administered to a sample of households in the Oriade local government within Osun state. The survey instrument was tested for validity and reliability. Product Moment Correlation (Pearson) method, which tests the questionnaire validity, showed a value of 0.717, which is larger than the critical value in the Pearson table at the 5 percent significant level. Cronbanch-alpha method, which is used to test the reliability of a survey instrument, showed a value of 0.564, which is larger than the benchmark value of 0.50. The questionnaire was administered to two hundred business owners who availed microfinance. This research also sheds light on the financial aspects of microcredit. Important credit characteristics include loan size, maturity date, timeliness of loan disbursement (delayed time index), and interest payments. We assess borrower characteristics and evaluate the impact of microcredit on business profits, poverty status and consumption patterns. A key finding is that access to credit has a larger effect on improving the standard of living than that of education.

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Reynolds, Richard. "Petty commodity production and the role of finance : a case study of micro-enterprises in Cato Crest, a squatter community in Durban, South Africa." Thesis, Cranfield University, 1995. http://dspace.lib.cranfield.ac.uk/handle/1826/4779.

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Finance plays a major role in influencing micro-enterprises and any process of change they undergo. This research provides both a study of such a process and an understanding of how finance and micro-enterprises relate within the context of the wider economv. The thesis is the product of fourteen months field research in the squatter community of Cato Crest. Durban, South Africa. A sample of 138 mainly retail micro-enterprises was studied using a variety of techniques, including semi-structured interviews and occupational biographies. Three categories of enterprise were developed based on current literature; capitalist, petty commodity production (PCP) and survival. The research then sought to operationalise them. It was found that between 18% and 29% of each group either changed into one of the other categories or ceased to operate during the period. The process however is not one of inevitable growth into capitalist enterprises. A dynamic process of growth and decline was observed during the research period and in the occupational biographies. Therefore while there was some growth in capitalist enterprises the main finding was that petty commodity production was conserved through the growth in aggregate numbers of PCP enterprises. Having identified the process of change five types of finance that played a role in Cato Crest were identified; external finance, waged employment, own finance, finance reducing measures (including partnerships) and hire purchase. The influence of each was as follows: • External finance from the banks and suppliers was not available to most micro-enterprises. • Full time waged employment by the owner or another household member was associated with the process of growth in micro-enterprises. In contrast the lack of such employment was associated with the perpetuation of survival enterprises or their cessation. The implication is that those who are marginalised or excluded from full time waged employment are likely to be excluded from owning micro-enterprises that grow. • Own finance through the use of stokvels, bank accounts and the re-investment of profit were all identified as important components in the growth of micro-enterprises. In all three cases they provided both a mechanism to save both directly and indirectly for investment purposes in the enterprise. However savings institutions need to be seen in the context of the wider economy in which they act as a channel for outflows of finance from the micro-enterprise sector to the formal capitalist sector. This is a net outflow since there is no corresponding lending of finance from the banking sector to micro-enterprises. • Finance reducing measures were observed to be important in the process of change. However it would appear that survival enterprises, which were often limited in their access to other financial options, were often perpetuated by the use of such measures. • Finally hire purchase was identified as being associated with the growth of micro-enterprises However its key role was not the provision of finance, but as a means for the capitalist sector to extend the sale of certain of its products into new areas of the economy. In summary the thesis is important in terms of the development and opcrationalisation of the three classifications of retail micro-enterprises, the identification of the role of finance In the process of change and the linkages between finance and the capitalist economy within which retail microenterprises operate.

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Kibona, Deogratias. "The Role of Business Incubators in the Informal and Semi-formal financing of Micro, Small and Medium Enterprises: The Case of Incubated Enterprises in Tanzania." 2018. https://ul.qucosa.de/id/qucosa%3A23451.

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This research investigates the role business incubators on the MSMEs’ access to informal and semi-formal finance. To meet this purpose, firstly, the relationship between business incubation models and models of financial accessibility is assessed. secondly, the contribution of business incubators to the MSMEs informal and semi-formal financial accessibility is determined, by assessing the direct impact of monitoring services on financial accessibility and also assessing the incubator’s financial intermediation role between incubatees and financiers. Due to the important role played by social capital in non-formal financing, the influence of both incubatee and incubator manager’s social capital on incubatee’s informal and semi-formal financial accessibility is also investigated. The results indicate that, business incubator’s monitoring services have significant positive influence on incubatee’s access to informal and semi-formal finance, and also there is a significant positive relationship between monitoring services and financial management capabilities. Also, incubatee’s financial management capabilities have significant positive impact on semi-formal financial accessibility, nevertheless, there is insignificant relationship between incubatee’s financial management capabilities and informal financial accessibility. Furthermore, the results show, incubatee’s bonding and bridging social capital have direct positive impact on both informal and semi-formal financial accessibility, while incubator manager’s linking social capital has positive impact on semi-formal financial accessibility but insignificant impact on informal financial accessibility. Incubatee’s bridging social capital also negatively moderates the relationship between financial management capabilities and semi-formal financial accessibility, whereas incubatee’s bonding has no moderating effect on the same relationship. Incubator manager’s bonding and bridging social capital and incubatee’s linking social capital have insignificant direct impact on both informal and semi-formal financial accessibility, as well as insignificant moderating impact on the relationship between financial management capabilities and semi-formal financial accessibility. These findings show the importance of financial management capabilities on incubatee’s access to semi-formal finance and highlights the role of incubatee’s bonding and bridging network links and incubator manager’s linking social networks to the incubatee’s access to non-formal finance. They also reveal that informal financiers do not consider incubatee’s financial management capabilities as an important criterion in deciding to provide them credits:Acknowledgement i Table of contents iii List of tables viii List of figures xii Abbreviations xv Zusammenfassung xx Summary xxxii CHAPTER ONE 1 INTRODUCTION 1 1.1 Background to the problem 1 1.2 Statement of the Problem 4 1.3 Objectives of the study 10 1.3.1 General objective 10 1.3.2 Specific objectives 10 CHAPTER TWO 11 LITERATURE REVIEW 11 2.1 Start-ups and Micro, Small and Medium Enterprises 11 2.1.1 Micro, Small and Medium Enterprises 11 2.1.1.1 MSMEs’ sector in Tanzania 14 2.1.2 Start-ups 15 2.1.2.1 Startups in Tanzania 16 2.2 Business incubators 18 2.2.1 Services provided by business incubators 21 2.2.2 Business incubators in Tanzania 23 2.3 Financial management capabilities 28 2.3.1 Financial management capabilities in MSMEs 29 2.4 Financial system 32 2.4.1 Formal financing 33 2.4.2 Informal financing 33 2.4.3 Semi-formal financing 34 2.4.4 Financing system in Tanzania 34 2.4.5 Informal and Semi-formal financing system in Tanzania 36 2.4.5.1 Informal financiers 37 2.4.5.2 Semi-formal financiers 45 2.5 MSMEs’ financial accessibility 52 2.5.1 MSMEs’ financial accessibility in Tanzania 55 2.5.2 The role of business incubators in promoting MSMEs’ access to finance 56 2.6 Information asymmetries between MSMEs and financiers 59 2.7 Theory of financial intermediation 61 2.8 Social capital 62 2.8.1 Role of social capital on MSMEs’ access to finance 65 2.9 Summary of the theoretical framework 69 2.10 Proposed model 70 CHAPTER THREE 75 RESEARCH METHODOLOGY 75 3.1 Research Design 75 3.2 Study Area 76 3.3 Targeted population 78 3.4 Sample 79 3.5 Operational definitions and measurement of the variables 83 3.5.1 Variable indicators 83 3.5.2 Business incubators' monitoring services 83 3.5.3 Financial management capabilities 84 3.5.4 Incubatee's bonding social capital 84 3.5.5 Incubatee's bridging social capital 85 3.5.6 Incubatee's linking social capital 85 3.5.7 Incubator manager's bonding social capital 86 3.5.8 Incubator manager's bridging social capital 86 3.5.9 Incubator manager's linking social capital 87 3.5.10 MSMEs’ Financial accessibility 87 3.6 Data collection instrument 92 3.6.1 Questionnaire 92 3.6.2 Personal interviews 93 3.7 Data collection 93 3.8 Data Analysis 94 3.8.1 Qualitative data analysis 94 3.8.2 Quantitative analysis 95 3.8.2.1 Data preparation 95 3.8.2.2 Descriptive statistics 96 3.8.2.3 Factor analysis 96 3.8.2.4 Inferential Statistics 104 3.8.2.4.1 Spearman correlations analysis 105 3.8.2.4.2 Kruskal-Wallis test 105 3.8.2.4.3 Partial Least Squares regressions analysis 105 3.9 Validity and Reliability 106 3.9.1 Validity and reliability of qualitative research 106 3.9.2 Validity and reliability in quantitative research 107 CHAPTER FOUR 110 PRESENTATION OF FINDINGS 110 4.1 Introduction 110 4.2 Qualitative results 110 4.2.1 Current status of business incubation programs in Tanzania 110 4.2.2 Factors for business incubators’ successful financial intermediary role118 4.3 Quantitative results 132 4.3.1 Descriptive results 132 4.3.1.1 Sample demography 133 4.3.1.1.1 Relationship between age and incubation period of incubated MSMEs 133 4.3.1.1.2 Categorizing incubated MSMEs by number of employees and business capital 135 4.3.1.1.3 Distribution of incubatees by their nature of ownership and business activity 138 4.3.1.1.4 Financiers’ provision of requested amount of loans to incubatees 140 4.3.1.2 The contribution of business incubators to MSMEs financial accessibility 145 4.3.1.2.1 The Business Incubator's Monitoring services 146 4.3.1.2.2 Financial Management capabilities of incubatees 147 4.3.1.2.3 MSMEs’ financial accessibility 149 4.3.1.3 Relationship between business incubation models and models of MSMEs financing 150 4.3.1.4 Factors for successful intermediary role of an incubator 152 4.3.1.5 Incubatees and incubator managers’ social capital on Incubatees' financial accessibility 155 4.3.2 The impact of business incubation on MSMEs access to informal and semi-formal finance 160 4.3.2.1 Demographic characteristics of incubated enterprises 161 4.3.2.2 Relationship between business incubation models and models of financial accessibility 165 4.3.2.3 Contribution of incubators to the MSMEs informal and semi-formal financial accessibility 166 4.3.2.3.1 Impact of business incubator’s monitoring services on MSMEs’ informal and semi-formal financial accessibility 167 4.3.2.3.2 Business incubators’ financial intermediation role between incubated MSMEs and financiers. 170 4.3.2.4 Impact of incubatee and incubator manager’s social capital on iMFA and sMFA 173 4.3.2.5 Moderating impact of Incubatee's and incubator manager's social capital on the FMC-MFA relationship 179 4.4 Summary of chapter four 183 4.4.1 Developing a model on incubated MSMEs’ access to informal and semi- formal finance. 190 4.4.1.1 A model on incubated MSMEs’ access to informal finance 190 4.4.1.2 A model on incubated MSMEs’ access to semi-formal finance. 191 4.4.1.3 The influence of demographic characters on the relationship between social capital and financial accessibility. 192 CHAPTER FIVE 196 DISCUSSION OF FINDINGS 196 5.1 Introduction 196 5.2 Demographic characteristics of incubatees 196 5.3 Relationship between business incubation models and models of financial accessibility 201 5.4 Business incubators’ financial intermediation role between MSMEs and financiers. 203 5.5 Factors for successful business incubator’s financial intermediary role 207 5.6 Impact of incubatee’s and incubator manager’s social capital on informal and semi-formal financial accessibility 209 5.7 Moderating impact of Incubatee's and incubator manager's social capital on the FMC-MFA relationship 212 CHAPTER SIX 214 CONCLUSIONS AND RECOMMENDATIONS 214 6.1 Conclusions 214 6.2 Recommendations 221 6.3 Scope for further research 229 Reference 234 Appendix I Total Variance Explained 253 Appendix II Component Matrix 254 Appendix III Pattern Matrix 255 Appendix IV Questionnaire 256 Appendix V Questionnaire (Swahili version) 261 Appendix VI Interview guide for the financiers (English version) 266 Appendix VII Interview guide for the financiers (Swahili version) 267 Apendix VIII Interview guide for incubators’ managers and key informants (English version) 268 Appendix IX Interview guide for incubators’ managers and key informants (Swahili version) 269 Appendix X Eigenständigkeitserklärung 270

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Books on the topic "Role of Micro-Finance"

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India) Micro Finance and its Role in Women Empowerment (Seminar) (2017 Assam. Micro finance & its role in women empowerment. Edited by Bahadur Tarun Kumar editor, Bongaigaon College. Department of Economics, North East Educational Forum (Bongaigaon, India), and India University Grants Commission. EBH Publishers (India), 2018.

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Duggan, Carmel. Enterprise creation by the unemployed in Ireland: The role of micro-finance. International Labour Office, 2000.

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Hilary, Metcalf, National Institute for Economic and Social Research., and International Labour Office, eds. From unemployment to self-employment: The role of micro-finance : a research report. ILO London, 2000.

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Amha, Wolday. The role of finance and business development service (BDS) in micro and small enterprise (MSE) development in Ethiopia. Association of Ethiopian Microfinance Institutions, 2002.

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Association of Ethiopian Microfinance Institutions, ed. The role of finance and business development service (BDS) in micro and small enterprise (MSE) development in Ethiopia. Association of Ethiopian Microfinance Institutions (AEMFI), 2002.

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Credit and Development Forum (Bangladesh), ed. The role of an apex financial institution to finance micro credit programs: The Palli Karma-Sahayak Foundation (PKSF) in Bangladesh. Credit and Development Forum, Bangladesh, 1997.

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author, Norhaziah Nawai, Penerbit Universiti Utara Malaysia, and Universiti Utara Malaysia. Research and Innovation Management Centre, eds. The Role of Tekun Nasional in Financing Micro Enterprise Sector in Malaysia. Pusat Pengurusan Penyelidikan dan Inovasi, UUM, 2012.

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Ruit, Catherine Van de. Micro-finance, donor roles and influence and the pro-poor agenda: The cases of South Africa and Mozambique. School of Development Studies, University of Natal, 2002.

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Kuforiji, John Oluseyi. Essentials of Islamic Banking, Finance, and Capital Markets. The Rowman & Littlefield Publishing Group, 2022. https://doi.org/10.5040/9781978734999.

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This multidisciplinary book on Islamic finance covers Islamic economic, financial, and legal systems, insurance (takaful), commercial jurisprudence, and the socio-political and political-economy of the Islamic world. It examines the dichotomies and similarities between Islamic and conventional financial systems and suggests future roles and governance of Islamic financial institutions. Distinctive features of the second edition include an emphasis on the theoretical foundations of Islamic finance, the distinctions between the micro- and macroeconomic concepts and theories to the readers, and an expansion on Islamic approved forms of trade dealings, transactions, and contracts. Furthermore, this work discusses the newly introduced Islamic capital market products of the years 2020 to 2022—including the transition from the inter-bank-offer-rates (IBORs) as global benchmark lending rate to the new risk-free-rates (RFRs) that became effective on January 1, 2022—and discusses the transition of Saudi Arabia Monetary Agency to Saudi Central Bank in 2020. Though every effort is made to avoid tedious mathematical proof and derivatives, this work provides working calculations for the pricing of Islamic instruments and provides supplemental materials in the form of faculty resources and students’ study guide and workbook. This work acts as a useful textbook for graduate and advanced undergraduate students who are looking at broadening their knowledge in finance. Similarly, this book is a helpful guide and tool for financial practitioners who are interested in learning more about the innovative discipline of Islamic finance. For financial practitioners to drive maximum benefits from this innovative financing mechanism, they need to know, understand, and participate in the investment opportunities which are provided by Islamic finance.

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Kovács, Antal Ferenc. Green Financial Perspectives - Proceeds of the Central European Scientific Conference on Green Finance and Sustainable Development, October 2020. Edited by Géza Salamin. Corvinus University of Budapest, 2021. http://dx.doi.org/10.14267/978-963-503-890-9.

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This publication presents eleven selected articles in two thematic chapters. The chapter titled Institutions and Instruments is focused on the role of institutions, among them the central banks, as well as various financial instruments designed to pursue sustainability at the micro-level, such as corporate reporting on environmental, social and governance performance (ESG), the pricing of carbon, and performance of stock exchange listed shares etc.. The wealth perspective is presented as a framework that offers a comprehensive approach to the issue of sustainability. Articles in the second chapter provide climate and sustainability insights at the macro level in the regions of Central-Asia, the Middle-East and Europe.

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Book chapters on the topic "Role of Micro-Finance"

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Yogendrarajah, Rathiranee. "Role of Micro Finance in Empowering Women Entrepreneurs of Rural Sri Lanka." In Understanding Women's Empowerment in South Asia. Springer Nature Singapore, 2024. http://dx.doi.org/10.1007/978-981-16-7538-6_7.

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Mapfumo, Evidence, and Athenia Bongani Sibindi. "The Role of Informal Finance in Financing Micro-Small-Medium-Enterprises in Zimbabwe." In Advances in African Economic, Social and Political Development. Springer Nature Switzerland, 2025. https://doi.org/10.1007/978-3-031-86516-9_6.

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Lanciano, Edoardo, Daniele A. Previati, Ornella Ricci, and Gianluca Santilli. "Sustainable Finance and Impact Investments in Micro-Small and Medium Enterprises: The Role of Financial Literacy." In Palgrave Studies in Impact Finance. Springer Nature Switzerland, 2025. https://doi.org/10.1007/978-3-031-81178-4_2.

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Jauhari, Farah Farhana, Syarah Syahira Mohd Yusoff, and Salina Kassim. "Enhancing Access to Finance Amongst Asnaf Micro Entrepreneurs: How Can Islamic Fintech in Zakat Institutions Play a Role?" In Contributions to Management Science. Springer Nature Switzerland, 2023. http://dx.doi.org/10.1007/978-3-031-27860-0_31.

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Maini, Navin Kumar. "The role of credit guarantee schemes in financing micro, small, and medium enterprises." In Unlocking SME Finance in Asia. Routledge, 2019. http://dx.doi.org/10.4324/9780429401060-8.

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Sathana, V., T. Velnampy, and S. Rajumesh. "Role of Innovative Marketing Strategy for Success of Micro, Small, and Medium Enterprises (MSMEs)." In Future of Business and Finance. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-62171-1_4.

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Shankar, Savita. "The role of credit rating agencies in addressing gaps in micro and small enterprise financing." In Unlocking SME Finance in Asia. Routledge, 2019. http://dx.doi.org/10.4324/9780429401060-4.

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Sheikh, Shahjahan Ali, and Kanchan Datta. "Poverty and Microfinance in Char Areas of Dhubri District in Assam." In Advances in Finance, Accounting, and Economics. IGI Global, 2019. http://dx.doi.org/10.4018/978-1-5225-5240-6.ch019.

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In India, 70% of population lives in rural area and 60% of population earn their livelihood from agriculture which implies a high rate of underemployment and poverty. The root cause of poverty is the low access to credit facilities. Micro finance in this respect can play a vital role in providing financial services to the poor. In India Micro finance is dominated by self-help groups (SHGs), bank linkage programs aimed at providing a cost effective mechanism for providing financial services to unreached poor to fight against poverty. The chapter, thus, aims at identifying the current status, role, and performance of microfinance in Char areas of Assam in India. The chapter is concluded with the stress that more and more number of SHGs should be encouraged to form among the poor household in the study area to avail the benefit and cross poverty line.

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Sheikh, Shahjahan Ali, and Kanchan Datta. "Poverty and Microfinance in Char Areas of Dhubri District in Assam." In Research Anthology on Microfinance Services and Roles in Social Progress. IGI Global, 2022. http://dx.doi.org/10.4018/978-1-6684-7552-2.ch037.

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In India, 70% of population lives in rural area and 60% of population earn their livelihood from agriculture which implies a high rate of underemployment and poverty. The root cause of poverty is the low access to credit facilities. Micro finance in this respect can play a vital role in providing financial services to the poor. In India Micro finance is dominated by self-help groups (SHGs), bank linkage programs aimed at providing a cost effective mechanism for providing financial services to unreached poor to fight against poverty. The chapter, thus, aims at identifying the current status, role, and performance of microfinance in Char areas of Assam in India. The chapter is concluded with the stress that more and more number of SHGs should be encouraged to form among the poor household in the study area to avail the benefit and cross poverty line.

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Mohd Razin, Nur Amirah, and Romzie Rosman. "The Role of Zakat to Alleviate Poverty of Refugees in Malaysia." In Handbook of Research on Islamic Social Finance and Economic Recovery After a Global Health Crisis. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-6811-8.ch004.

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Zakat plays an important role as part of the Islamic socio-economic system. Zakat is said to be one of the financial tools to alleviate poverty apart from micro financing and micro credit. However, it is found that most of the benefits are only offered to the citizens of Malaysia and not the other untapped communities from other countries especially the refugees that seeks our government's protection. Hence, if the existing zakat recipients who are the citizens still unable to avoid from the unruly poverty, let alone the untapped group, especially the refugees. With the majority of refugees hailing from Muslim countries, Muslims around the world fulfilling zakat, a major pillar of their faith, can play an important role in alleviating their suffering and restoring their dignity as human beings. The realization of the incredible philanthropic Islamic social finance such as zakat, which can potentially exceed $300 billion a year, has driven United Nations High Commissioner for Refugees (UNHCR) to launch a Zakat Program in late 2016, namely Refugee Zakat Fund. Currently, the approach by zakat institution to help refugees are less proactive, given that most of the approach are made by the non-government organization (NGO) such as UNHCR Malaysia and local non-government organizations. The issues are very important to be solved as Islamic social finance has a huge potential mechanism to reduce poverty. Hence, the objectives of this study are (1) to explain the role of zakat in eradicating poverty among refugees for improving their socio-economic well-being, (2) to explore the issues and challenges of zakat administration in Malaysia especially in helping refugees, and (3) to explore the issues and challenges of UNHCR in managing refugees' zakat funds. This study adopted qualitative approach by conducting interview with five experts in relation to Islamic social finance especially on the issues of zakat management. These experts have vast experience in Islamic finance and in Shariah. In general, the findings suggest that (1) zakat can play a crucial role in providing assistance to those in need without exception to fulfil both Maqasid Shariah and Sustainable Development Goals (SDGs); (2) one of the challenges facing the zakat institution is their managements are inefficient and a lack of transparency in terms of how the funds are collected, managed, and distributed, and hence, the adoption of technology is important for effective and efficient zakat system; (3) UNHCR must take important care on governance aspects in order to manage and administer zakat funds for refugees to improve the trust of zakat payers and recipients. This study may contribute to the enhancement policies in relation to both zakat and refugees made by both federal and state government by harmonizing the policies to solve the issues on poverty of the refugees, especially in Malaysia.

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Conference papers on the topic "Role of Micro-Finance"

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"Role of Micro Finance in Empowering Indian Women." In Nov. 29-30, 2016 London (UK). ICEHM, 2016. http://dx.doi.org/10.15242/icehm.ed1116007.

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Suarmanayasa, I. Nengah, Gede Putu Agus Jana Susila, and I. Wayan Cipta. "The Role of Village Micro-Finance Institution Towards Rural Development." In 5th International Conference on Tourism, Economics, Accounting, Management and Social Science (TEAMS 2020). Atlantis Press, 2020. http://dx.doi.org/10.2991/aebmr.k.201212.016.

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BEIZITERE, Ilona, Biruta SLOKA, and Ieva BRENCE. "THE ROLE OF FINANCIAL SUPPORT FOR THE PERFORMANCE AND SURVIVAL OF MICRO-ENTERPRISES." In International Scientific Conference „Contemporary Issues in Business, Management and Economics Engineering". Vilnius Gediminas Technical University, 2021. http://dx.doi.org/10.3846/cibmee.2021.636.

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Purpose – to examine the Latvian micro-enterprises having indicated the external financing as an important factor for their development. Research methodology – the results of the ad hoc survey (WAPI) on companies registered in Latvia in nationally defined sectors are used. Valid responses were received from 2.511 companies, of which 1.879 were micro-enterprises, the results were processed by using the SPSS programme. Findings – micro-enterprises that have not received the necessary external financing in previous years were less sustainable in the later period. Of the liquidated micro-enterprises examined, 16% were closed in 2020. Research limitations – the study highlights the impact of the availability of finance factor on the survival of micro-enterprises. Practical implications – the findings are useful for business support policy makers to identify preventative measures to ensure the resilience of micro-enterprises in times of economic turmoil when the spread of the Covid-19 has affected economy. Originality/Value – although scientific research on the need for financial support for companies has already been conducted in recent years, our study emphasizes the importance of access to finance for micro-enterprises.

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Camara, S., and W. D. Olanipekun. "The Rhetoric of Microfinance Bank Services and Performance of Small and Medium Scale Enterprises in the Gambia." In 28th iSTEAMS Multidisciplinary Research Conference AIUWA The Gambia. Society for Multidisciplinary and Advanced Research Techniques - Creative Research Publishers, 2021. http://dx.doi.org/10.22624/aims/isteams-2021/v28n3p2.

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Small and Medium Scale Enterprises (SMEs) in developing countries especially in the Gambia are confronted with several drawbacks and challenges, principal which is lack of access to capital. They have not been able to perform the expected vital role in bringing about economic growth and development. The main aim of most small scale enterprise is to be self reliant but the smallness of capital is making this dream unachievable. The main objective of this study is to examine the impact of microfinance banks provision of finance on SMEs performance. The study made used of primary source of data collection with the aid of a structured questionnaire. The research adopted a descriptive survey research design. Pearson Product Moment Correlation Coefficient was used to test the hypothesis at 5% level of significance. Analysis of data showed that the correlation coefficients of all the independent variables were less than 0.05. Based on the findings of the study, the study concludes that microfinance finance services have significant impact on SMEs performance. The study holistically recommends that micro finance banks continually maintain, sustain and improve on their provision of finance and funding facilities to SMEs are pivotal instrument of economic growth and development and thus occupies a place of pride in virtually every country or state Keyword: Bank, Microfinance, Performance, Small and Medium Scale Enterprise, Sustainability

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Shrivastava, Dr Geetanjali, and Mr Sahil Sahu. "UNLEASHING THE POTENTIAL OF MSMES: CONTRIBUTION TO INDIA’S ECONOMIC EXPANSION." In Transforming Knowledge: A Multidisciplinary Research on Integrative Learning Across Disciplines. The Bhopal School of Social Sciences, 2025. https://doi.org/10.51767/ic250128.

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This paper analyzes the distribution and key characteristics of Micro, Small, and Medium Enterprises (MSMEs) in India, with a focus on factors such as ownership type, urban-rural employment distribution, and recent trends in MSME registrations. Urban areas employ 55% of the MSME workforce, which translates to 612.10 lakh people, while rural areas contribute 45% with 497.78 lakh jobs. This urban-rural employment distribution highlights the significant role both sectors play in driving MSME sector growth and employment. The analysis also delves into the registration trends of new MSMEs, a critical indicator of the sector’s expansion and the business environment's health. The number of MSMEs being established indicates the level of entrepreneurial confidence and the availability of a conducive environment for business growth. Data from Udyam Registration provides a detailed overview of MSME registrations and employment generation, shedding light on the concentration of MSMEs in specific states and Union Territories. The turnover range of MSMEs, as defined by the updated MSME classification, is also presented, offering insights into the economic scale of these enterprises. Furthermore, the paper explores the historical and current challenges faced by MSMEs, alongside a discussion on the future outlook for the sector. Key challenges include access to finance, regulatory hurdles, and infrastructure deficiencies. Finally, the recent measures announced in the 2024 Budget for MSMEs are examined, which aim to address these challenges and support the sector’s continued growth. These measures are designed to foster a more favorable environment for MSMEs, contributing to their long-term success and resilience in the economy.

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Mutoko, Wilbert R. "The role of small, micro- and medium enterprises in employment creation: The case of the manufacturing sector in Botswana." In 7th International Conference on Business and Finance. AOSIS, 2015. http://dx.doi.org/10.4102/jbmd.v5i1.15.

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Hodson, Dorothy Nduku. "The Role of a Marketing Research Sub-System (MRSS) in Problem Solving: Matoke Micro-processing Project Case Study." In SECOND INTERNATIONAL CONFERENCE ON FINANCE, INFORMATION TECHNOLOGY AND MANAGEMENT. SCITEPRESS - Science and Technology Publications, 2022. http://dx.doi.org/10.5220/0011601300003581.

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Kumar, Dr Devesh. "Exploring the Role of Artificial Intelligence and Machine Learning in Manufacturing MSMEs in India: Benefits, Limitations, and Ongoing Challenges." In 6th World Conference on Business, Management, Finance, Economics and Marketing. Eurasia Conferences, 2024. https://doi.org/10.62422/978-81-970328-1-3-002.

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The Indian manufacturing sector, specifically within Micro, Small, and Medium Enterprises (MSMEs), serves as a fundamental component of the country’s economic development, contributing significantly towards employment generation, exports, and GDP. With the rising influence of digitalization across industries, Artificial Intelligence (AI) and Machine Learning (ML) have emerged as transformative technologies, offering huge potential to enhance efficiency, productivity, reduce operational costs, and improve product quality within the MSME sector. Notwithstanding these potential benefits, the adoption of AI/ML in Indian manufacturing MSMEs remains in its early stages, constrained by financial limitations, lack of skilled workforce, and insufficient infrastructure. This paper examines the current and potential role of AI/ML in Indian manufacturing MSMEs, focusing on the benefits these technologies offer, the limitations hindering their adoption, and the ongoing challenges that persist within the sector. By synthesizing existing literature, this study aims to provide a comprehensive analysis that could help policymakers, industry stakeholders, and MSME owners about the most effective strategies for adopting AI/ML technologies. The paper further explores how these enterprises can overcome obstacles to unlock AI/ML’s full potential for improving operational efficiency, competitiveness, and innovation. Keywords: AI/ML, MSMEs, manufacturing, India, challenges, benefits, technology adoption

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Reports on the topic "Role of Micro-Finance"

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Opportunities and drivers for SME agribusinesses to reduce food loss in Africa and Asia. Commercial Agriculture for Smallholders and Agribusiness (CASA), 2023. http://dx.doi.org/10.1079/20240191175.

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Climate change, conflict, and the COVID-19 pandemic and its aftermath have caused a sharp increase in food insecurity globally. Reducing food loss - a decrease in the quantity and/or quality of food that takes place from production through to processing - in places where food insecurity is most severe has the potential to be a win-win for food security, climate outcomes, and for commercially driven agribusinesses. This report reviews the common drivers of food loss in sub-Saharan Africa and South Asia, which include inadequate storage, lack of cold chain, and poor post-harvest and distribution practices. It then highlights five technologies or approaches which have the potential to address food loss, and which are appropriate for agricultural small and medium-sized enterprises (agri-SMEs) operating in much of sub-Saharan Africa and South Asia, which face particular challenges (e.g. an unreliable electrical grid and fragmented value chains). Finally, the report highlights the main barriers to adoption and scale for these technologies and approaches, and identifies opportunities for governments, development partners, investors, and technology manufacturers to improve their uptake among agri-SMEs. The five technologies and approaches covered in this report are as follows: Decentralization of processing using solar dryers: The decentralization of primary food processing, in which some portion of value addition is undertaken close to the farm gate by farmers or SMEs, can have multiple benefits, including reducing food loss, lowering transport costs, and increasing rural incomes. Solar drying technology can enable this model, particularly in areas where there is a tradition of sun drying fruits and vegetables and there is a viable domestic or regional market for these products. Successful models typically involve an agribusiness off-taker who works with farmers and SME producers, providing technology and services (e.g., guaranteed off-take, training etc.) that ensure the production of high-quality produce. Hermetic storage (e.g. bags and cocoons): This maturing technology is increasingly available in local markets and represents a potentially easy-to-implement solution which could help to substantially address food loss during storage - where most loss occurs - for key staple grains. Cost and usage remain challenges for smallholders, with greater potential for small- to medium-scale traders and aggregators in rural areas with limited storage infrastructure. By creating a hypoxic environment around the produce, these solutions can achieve 100% insect mortality and reduce the growth of mould and aflatoxins. Bags are more appropriate for agri-SMEs involved in distribution, whereas cocoons (i.e. storage containers consisting of two plastic halves joined together by an airtight zip) are more useful for those storing large volumes for periods of six months or longer. Off-grid cold storage (e.g. solar-powered cold rooms): Innovative technologies and delivery mechanisms are still being tested in markets in India, Nigeria, and Kenya. Despite the high upfront cost, there are several examples of agri-SMEs and co-operatives achieving payback periods of as little as two years across a range of fruit and vegetable value chains, with returns driven by reductions in food loss and improved pricing due to better quality of the produce. Cooling as a service business models also offer the potential to reach smaller agri-SMEs and micro-entrepreneurs operating in informal rural and peri-urban value chains, but their application is limited to high-value crops that are generally out of the reach of the rural poor. Agri-ecommerce platforms: Agri-ecommerce platforms are a well-developed technology that aims to reduce food loss by improving the availability of information on market demand for farmers. Technology providers can also engage in logistics, warehousing, and quality control, taking collection of the produce from rural-based hubs, combining it at a central packing house, and delivering to urban retailers. Models of this kind have scaled more effectively in South Asia than sub-Saharan Africa, where they are constrained by poor road and logistics infrastructure. Waste-to-value approaches: Waste-to-value or circular economy approaches have the potential to reduce food loss by utilizing bruised or damaged fruits and vegetables which are unable to be sold as intended as inputs into other food products. Although the application of these approaches to the production of products such as condiments and oils is popular, they are unlikely to have a material impact on food security. However, models such as using black soldier fly larvae (BSFL) to produce animal feed (after consuming the food waste) are more promising, with a range of related technologies and business models operating in markets in both Africa and Asia. The main barriers to the success and scaling up of these technologies and approaches include a lack of knowledge and awareness of their commercial benefits, a lack of finance for manufacturers and agri-SME customers, a need for further research and development (R&D) and business model innovation (e.g. to bring down cost), and a lack of supportive policies and regulatory frameworks. Policymakers, development partners, investors, and the private sector can all play important roles in addressing these barriers.

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