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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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Dubey, Mr Somprabh, and Mr Adesh Kumar. "The Role of Micro-Finance in Sustainable Finance, Employment and Poverty Alleviation." Journal of Development Research 12, no. 2 (2019): 57–64. http://dx.doi.org/10.54366/jdr.14.2.2021.57-64.
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Perera, K.J.T. "Impact of Micro Finance Activities to Living Standard of People in a Selected Area in Sri Lanka." International Journal of Engineering and Management Research 8, no. 2 (2018): 220–25. https://doi.org/10.5281/zenodo.3362004.
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Many of the developing countries have improved their people living standard by practicing micro finance. It helps to improve their economic development too. In the present context Sri Lanka also practicing this concept and has successful result from micro financing. RDB had plays a remarkable role in practicing micro financing in Sri Lanka. Based on the selected sample data it was observed that there is an impact of micro finance activities to living standard of people in a selected area in Badulla. 100 Regional Development Bank customers are selected for this study. Main objective of the study is to identify the impact of the RDB micro finance activities to improvement in living standard of people. From the data collected, Regression model was run to find the impact of the micro finance loan and living standard indicators. According to the result of the analysis that implies when improving living standard people micro finance activities not plays a major role because there is very low impact on the micro finance activities affect to improve living standard of the people. Other than the micro finance loan there are some other factors affect to advance living standard of people.
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Mr., Vaibhav Vitthal Gadhave. "The Role of Micro Finance in Rural Indian Economy." International Journal of Trend in Scientific Research and Development 4, no. 1 (2019): 928–29. https://doi.org/10.5281/zenodo.3609803.
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The development of the rural economy that is poor and mainly depended on the performance and formation of the MFI's in the country. The world's largest poor population is living in India and the development and the financial needs of their families can be fulfilled by the MFI's only because other financial institutions required loan security or collaterals for the loans and these people do not have these. There are more than 12000 MFI's are present in the world and more than 223 MFI's are in the Indian country who are working in various rural economy sectors and states of the country. According to the Kuznet the inequality in the developing countries are always higher side and in India it is observed that the 55 percent of the total wealth has been owned by the 10 percent people of the country and rest have the others. The pioneer of the Micro Finance in India is Anyonya Co Operative Bank Ltd. Who started in 1889 with the capital of Rs. 79. The MFI's are mainly working in the loans for agriculture development, machinery and equipments of the agriculture services, animal husbandry, handicrafts, trading, local based business and new production activities. Mr. Vaibhav Vitthal Gadhave "The Role of Micro Finance in Rural Indian Economy" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-1 , December 2019, URL: https://www.ijtsrd.com/papers/ijtsrd29769.pdf
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Abdul Rahman, Rashidah, Aliyu Dahiru Muhammad, Selim Ahmed, and Fouad Amin. "Micro-entrepreneurs’ intention to use Islamic micro-investment model (IMIM) in Bangladesh." Humanomics 32, no. 2 (2016): 172–88. http://dx.doi.org/10.1108/h-02-2016-0020.
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Purpose The aim of this paper is to propose and verify a structured model for Islamic micro-finance in Bangladesh. The Islamic micro-investment model (IMIM) aims to harness the role of the Waqf/philanthropic sector to empower micro-entrepreneurs. Design/methodology/approach The researchers use the survey technique to investigate the micro-entrepreneurs’ intention to adopt the model. A total of 400 questionnaires are distributed with 207 responses being returned (51.75 per cent). In this study, a structural model is tested to examine the relationship of the behavioural intention to adopt Islamic micro-investment with the attitude towards behaviour, subjective norm, normative belief and behavioural belief. Findings The findings of the research show that, overall, the model fits the data and can be used to advance Islamic micro-finance in Bangladesh. However, out of the four hypotheses tested, only two are accepted vis-à-vis the influence of behavioural belief and normative belief on attitude and subjective norm, respectively. Research limitations/implications The research suggests the need for an awareness programme on Islamic micro-finance and the role of Waqf in the economic empowerment of the populace. Practical implications The IMIM aims to harness the role of the Waqf/philanthropic sector to empower micro-entrepreneurs. Social implications The model of Islamic micro-finance may empower poor micro-entrepreneurs and harnesses the potential of Waqf for socio-economic development, thereby, among others, reducing the cost of capital. Originality/value Only a few studies have been conducted on micro-finance from an Islamic perspective in Bangladesh. The IMIM, which has been developed by Muhammad (2012) and tested in Nigeria, is the first to be validated through an empirical study in Bangladesh. Thus, testing the viability of IMIM in the Bangladesh context will certainly add value for the clients, institutions and policymakers in Islamic micro-finance.
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Sharma, Puspa Raj. "Micro-finance and Women Empowerment." Journal of Nepalese Business Studies 4, no. 1 (2008): 16–27. http://dx.doi.org/10.3126/jnbs.v4i1.1026.
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This paper examines the effects of women’s participation in group-based micro-credit pro-grams on a large set of qualitative responses to questions that characterize women’s autonomy and gender relations within the household. The data come from a special survey carried out in hill and tarai in 2004-2006 of Nepal. The results are consistent with the view that women’s participation in micro-credit programs helps to increase women’s empowerment. Credit program participation leads to women taking a greater role in household decision-making, having greater access to financial and economic resources, having greater social networks, having greater bargaining power compared with their husbands, and having greater freedom of mobility. Female credit also tended to increase spousal communication in general about family planning and parenting concerns. Ecologically, the higher impact on women’s empowerment was noticed in terai. The reason may be relatively lower social and economic status of terai women at the time of program initiation compared to that of hills. As a result, even a small change in their status would get reflected distinctly.
 
 The Journal of Nepalese Business Studies Vol. IV, No. 1 (2007) pp. 16-27
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Mwikamba, Tumaini Mutugi, Douglas Maroma Rosana, and Viona Muleke Aluvale. "Macro-Economic Factors and Financial Performance of Micro-Finance Institutions in Kenya." International Journal of Social Science and Humanities Research (IJSSHR) ISSN 2959-7056 (o); 2959-7048 (p) 3, no. 1 (2025): 38–48. https://doi.org/10.61108/ijsshr.v3i1.153.
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Microfinance institutions play a critical role within Kenya’s financial sector. Micro-Finance Institution play a critical role in financial inclusion and financial deepening. However, the financial performance of MFI has significantly declined since the 2019. This study therefore sought to determine the effect of macro-economic factors on the financial performance of Micro-Finance Institutions in Kenya. The specific objectives of the study were: To determine the influence of gross domestic product, interest rates, inflation rate, and exchange rate on the financial performance of Micro-Finance Institution s in Kenya. The study utilized a descriptive form of research design. The target population of the study consisted of registered Micro-Finance Institution licensed by the Central Bank of Kenya. A census was carried out on the target population. Secondary data was utilized. The data collection period ranged between 2013-2023. Descriptive and inferential statistics were utilized to analyze the data collected. Measures of central tendency and dispersion, correlation, and a linear multiple regression model was utilized to analyze data collected. The findings revealed that interest rates and exchange rate have a negative influence on Micro-Finance Institution financial performance. However, inflation rate and Gross Domestic Product have a positive effect on Micro-Finance Institution financial performance. The findings further revealed that interest rate and Gross Domestic Product had an insignificant effect on Micro-Finance Institution financial performance. Exchange rate and inflation rate volatility significantly influence Micro-Finance Institution financial performance. The study recommends the regulator Central Bank of Kenya to implement monetary policies that positively influence Micro-Finance Institution financial performance.
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Owais Shafique and Maria Habib. "Over-Indebtedness of Rural Micro-credit Financing in Bahawalpur: An Impediment to their Social & Financial Mobility." Journal of Accounting and Finance in Emerging Economies 6, no. 2 (2020): 559–69. http://dx.doi.org/10.26710/jafee.v6i2.1254.
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The purpose of this study is to investigate the impact of micro-credit finance on over-indebtedness and social & financial mobility of micro-credit finance participants. The objectives of this research is to investigate that micro-credit finance participation leads to over-indebtedness of micro-credit finance and over-indebtedness of micro-credit finance effect the social and financial mobility of micro-credit finance participants. The study also investigates the role of women participation in those financial decisions through which over-indebtedness exist. The study is quantitative and the research design is explanatory in nature. The data was collected from 266 current and ex-micro-credit finance participants through questionnaire and interview were also conducted in order to facilitate respondents. The data was analyzed through different statistical software I.e. Microsoft Excel and SPSS. The findings of the study indicate that micro-credit finance participants experience over-indebtedness by participation in micro-credit finance program but it does not affect the social and financial mobility of micro-credit finance participants. It also evaluate that women involvement has weak mediating relation with over-indebtedness and financial mobility. This study has important implications because it provides insights regarding over-indebtedness of micro-credit finance participants that effects their social & financial mobility. This study also helps policy makers in formulating new regulations in the area of micro-credit finance sector in Pakistan. The new policies may target the aspect of over-indebtedness among micro-credit participants in future.
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Thiyanayaki, C., and M. A. "Role of Micro finance on the Empowerment of Women." International Journal of Innovative Research in Science, Engineering and Technology 03, no. 09 (2014): 16028–29. http://dx.doi.org/10.15680/ijirset.2014.0309035.
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Bhusare, Shital Prakash, and Ruby Chanda. "Micro-Finance & Micro-Credit for Sustainable Development." IRA-International Journal of Management & Social Sciences (ISSN 2455-2267) 6, no. 3 (2017): 365. http://dx.doi.org/10.21013/jmss.v6.n3.p4.
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<div><p><em>Poverty is one of the biggest challenges to the development of a developing country like India where a major population is living in rural and semi-urban areas. Institutional credit is considered as a powerful tool for alleviating poverty. Microfinance is the supply of loans, savings, and other basic financial services to the poor. As the financial services of microfinance usually involve small amounts of money – small loans, small savings etc. the term "Microfinance" helps to differentiate these services from those of commercial banks. Microfinance in India has been through two channels of credit delivery to poor and low-income households–Self Help Group Bank Linkage Programme (SBLP) and the Microfinance institutions lending through groups as well as directly to individuals. This study was with the overall objective of conducting a detailed analysis of interest rates, costs and margins of microfinance institutions. </em></p><p><em>This study highlights the reach and the impact on the customers and the channels used by these firms for the effectiveness of Micro Finance and Microcredit schemes. For the purpose of analysis the statistical tools like Mean, Standard deviation, coefficient of co-relation and regression have been used. </em></p><p><em>Microfinance is playing a very important role in decrease poverty. Microfinance to the rural SHGs is a way to raise the income level and improve the living standards of the rural peoples. Thus, it can be concluded that the self-help groups contribute substantially in pushing the conditions of the rural population up.</em></p></div>
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Raphael, Gwahula, and Geofrey Isaack Mrema. "Assessing the Role of Microfinance on Women Empowerment: A case of PRIDE (T) -Shinyanga." Business and Economic Research 7, no. 2 (2017): 35. http://dx.doi.org/10.5296/ber.v7i2.10238.
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The objective of the study was to assess the role of micro finance (PRIDE) on women empowerment in Shinyanga Municipality. The study tried to assess two specific objectives which were to assess the best way to be considered by pride to empower women and assess the relationship between the roles of micro finance on women empowerment. The study used a sample of 92 beneficiaries of microfinance services from micro finance institution, PRIDE (T). Microfinance services and entrepreneurial skills were independent variables and women empowerment was the dependent variable. The researcher used primary data collection tools such as interviews. The findings revealed that both microfinance services contribute 97 percent of women empowerment and entrepreneur skills also contribute 71.4 percent on women empowerment. Finding from the multiple linear regressions showed that reduction of harsh condition, increase of entrepreneur skills, saving, loan and reduction of interest rate were 0.327, 0.316, 0.274, 0.370, and 0.289 respectively. The model explained that there is direct relationship between women empowerment and the role of micro finance services as well as entrepreneur skills.
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Kaur, Ravijot, and Priyank Mishra. "Progress of Micro Finance in Rural Development." RESEARCH REVIEW International Journal of Multidisciplinary 4, no. 2 (2019): 554–58. https://doi.org/10.5281/zenodo.2580264.
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The present paper discusses the detailed role played by the microfinance models like Self Help Groups- Bank Linkage Model, Micro finance Institutions etc in the rural development by focusing on its impact on poverty, women empowerment, technology application and household level role. It basically studies the progress of such models in the terms of loans disbursed and loans outstanding to the beneficiaries under the various schemes like National Rural Livelihood Mission (NRLM) & National Urban Livelihood Mission (NULM). It indicates the needs of rural and women entrepreneurs and challenges faced by them with respect to financial services .The motive is to draw lessons which will be helpful in exploiting the potential of microfinance in India, outlines the areas of concern for the government policy towards this important sector and suggests ways to scale up the access to finance for the poor.
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A. S., Usman, Tasmin, R., Ulum, Z. K. A. B., and A. A. Abubakar. "THE ROLE OF ISLAMIC MICRO-FINANCE IN ENHANCING THE WELLBEING OF THE CLIENTS: EXPLORATORY FACTOR ANALYSIS." Journal on Innovation and Sustainability. RISUS ISSN 2179-3565 8, no. 3 (2017): 94. http://dx.doi.org/10.24212/2179-3565.2017v8i3p94-107.
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This pilot study seek to explore the structural characteristics of Islamic Micro-finance and statistically group them in to Products (Independent), Empowerment (Mediator) and Clients’ wellbeing (dependent) constructs. This is to conceptualize an Islamic Micro-finance model towards the Clients wellbeing. Empirical data was collected from the staff of eight (8) branches of Amanah Ikhtiar Malaysia (AIM) in the Johor state, Malaysia. The data collected was analyzed by means of an Exploratory Factor Analysis using IBM SPSS Statistics 21, which resulted to the extraction of five (5) factors which upon grouping, defined the variables for this study. The results indicated an acceptable factor loadings and effective grouping according to the conceptualized framework. The Cronbach’s alpha of ≥0.7 is an indication of acceptable internal consistency and reliability of the five Islamic Micro-finance constructs. This study is part of on-going Ph.D. to proof the capacity of Islamic Micro-finance towards Clients’ wellbeing.
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Sonam, Sonam, Mridul Dharwal, and Varun Mohan. "ARTIFICIAL INTELLIGENCE IN MICRO-FINANCE IN INDIA: THE KEY FOR SUSTAINABLE DEVELOPMENT." International Journal of Education, Modern Management, Applied Science & Social Science 06, no. 03(I) (2024): 132–39. http://dx.doi.org/10.62823/ijemmasss/6.3(i).6838.
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The development of mobile and internet technologies has revolutionised every sector of the economy worldwide. Artificial intelligence has brought about the next wave of micro-finance revolution. Micro-finance has played a significant role in transforming lives of millions of households across the globe. The Micro-finance institutions (MFIs) are undergoing a digital transformation to save costs, determine credit worthiness of potential borrowers and risk. This conceptual paper focus on understanding how artificial intelligence is shaping the micro-finance sector in the 21st century. We review the literature to draw from different experiences of the micro-finance industry around the world and provides evidence from a Micro-finance Institution in Haryana, India. Both logistic regression and neural network (NN) methods was applied to the data of the MFI and results were compared. This article demonstrates how a credit scoring model can be applied for an India-based micro-finance company to estimate the relative importance of each factor involved in the probability of default. To identify the main causes of default by the micro-finance clients, a logistic regression model and Neural networks model was used and the latter was found to have better prediction power.
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Gassama, Saikou, and Dr Hamidah Ak. "Micro Finance Role In Providing Access To Finance For The Women In The Gambia." International Journal of Scientific and Research Publications (IJSRP) 10, no. 9 (2020): 186–96. http://dx.doi.org/10.29322/ijsrp.10.09.2020.p10522.
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Borthakur, Aradhana, and Pritirekha Boruah. "Microfinance as a Tool of Socio Economic Empowerment of Rural Women." International Journal for Research in Applied Science and Engineering Technology 11, no. 2 (2023): 65–72. http://dx.doi.org/10.22214/ijraset.2023.48940.
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Abstract: Micro finance has become a tool of empowering the underprivileged people in the society. It plays a prominent role in the developing countries of Asia. These countries are having lots of success stories where the poor and backward people could manage to have sustainable source of revenue for themselves through microfinance. It is observed that in maximum cases women are plying a vital role in the use of micro finance through the self help groups (SHGs). This paper tries to see the impact of micro finance on the rural women of Assam - a state which is very near to Bangladesh, the country where microfinance has got tremendous response from the women folk. Through the research it was tried to see the impact of microfinance from the socio economic perspective of the North East India. The paper is based on primary data collected from the women respondents of rural area who have experience of working with the SHGs. The paper concluded that the micro finance has contributed to the empowerment of women in rural Assam and hence micro finance has a great future in this part of India.
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Bhoopathy, Dr G., and Dr D. Sasikala Devi. "A STUDY ON ROLE OF MICRO FINANCE IN WOMEN EMPOWERMENT." International Journal of Advanced Research 4, no. 7 (2016): 1105–10. http://dx.doi.org/10.21474/ijar01/1020.
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Malik, ShahzadShabbir. "THE ROLE OF FORMAL ACADEMICIAN IN PROMOTION OF MICRO-FINANCE." International Journal of Research -GRANTHAALAYAH 4, no. 5 (2016): 35–50. http://dx.doi.org/10.29121/granthaalayah.v4.i5.2016.2672.
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Microfinance is no panacea for the alleviation of poverty in the world. The environment influences its development. Legal frameworks, monitors and supervisors, its institutions and last but not least its customers with all their commitment play a major role for the success. Due to informational asymmetries, traditional financial markets are limited or fail to include poor households. Microfinance is able to overcome these imperfections and was developed especially for poor people suffering from financial exclusion and often dependent on informal sources such as exploitative moneylenders. The different benefits, characteristics and products of microfinance will be highlighted hereafter. First a general country profile will be given with the most important economic features such as the development of GDP, economic structure, inflation and unemployment rates. The latter raises concerns, especially among young academics.
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Singh, Anwita. "Role of Micro Finance in uplifting Indian Economy: An Analysis." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem34395.
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Microfinance institutions (MFIs) act as indispensable financial intermediaries, providing small loans and services to individuals excluded from mainstream banking due to socio-economic constraints. Their significance lies in empowering marginalized communities, promoting financial inclusion, and fostering opportunities for income generation and entrepreneurship. Notably, microfinance contributes significantly to poverty alleviation and gender equality, particularly in empowering women, who often constitute a substantial portion of its beneficiaries. However, the effectiveness of microfinance in India faces multifaceted challenges. This paper addresses hurdles such as exorbitant interest rates, insufficient infrastructure, and the urgent need for effective regulation to prevent the exploitation of vulnerable borrowers Overall, this paper will find out the indispensable role of microfinance in India's economic development while acknowledging the challenges hindering its full potential. Unravelling these dynamics provides policymakers, practitioners, and stakeholders with a comprehensive understanding of microfinance in the Indian context, crucial for formulating informed strategies that foster sustained growth and ensure its continued positive impact on economic development. The insights gleaned from this study are vital for shaping the trajectory of microfinance in India.
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Dr., K. RAVICHANDRAN, and VENKATA SUBRAHMANYAM C. V. Mr. ""THE ROLE OF MICRO FINANCE IN EMPOWERING WOMEN THROUGH ENTREPRENEUSHIP"." International Journal of Marketing & Financial Management 2, no. 6 (2014): 14–21. https://doi.org/10.5281/zenodo.10802816.
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<strong>Abstract:</strong> <em>Entrepreneurship as a distinct factor of production contributes to the economic development of an economy. The wide range of significant contributions that entrepreneurship makes to the economic development include promotion of capital formation, creation of immediate large-scale employment, promotion of balanced regional development, effective mobilization of capital and skill, induction of backward and forward linkages and the like. The overall role of entrepreneurship in economic development of an economy is put as "an economy is the effect for which entrepreneurship is the cause." India being one of the largest countries though bestowed with adequate natural resources and human potentials, its development is lopsided. The twin causes, that is, wide inequality between urban and rural.</em> <em>Micro finance has experiences a dynamic development and today microfinance providers reach close to 100million clients worldwide and are growing fast. This paper will to make an attempt as to present a conceptual paper towards the role of women in India towards empowering the entrepreneurship development through microfinance.</em> <strong><em>Key words</em></strong><em>: micro finance, empowerment, entrepreneurship, development ROI etc.,</em>
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Murad, Muhammad, Azhar Bhatti, Abou Bakar, Rashid Ahmad, and Ali Junaid Khan. "Exploring the Relationship between Effective Management & Social Equity: A CSR Perspective." Journal of South Asian Studies 10, no. 1 (2022): 103–11. http://dx.doi.org/10.33687/jsas.010.01.4180.
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The objective of this study is to identify the role of effective management in social equity in the micro-finance banking sector of Pakistan. It is understood that in the micro-finance banking sector, the deficiency of effective management is reported and it is creating hurdles in the way of promoting social equity in the banking sector. This study was based on the primary data collected on a five-point Likert questionnaire. The target population for this study was the employees and customers of the micro-finance banking sector of South Punjab. The results of this study demonstrate that there is a critical role for effective management to ensure the implementation of social equality practices in the banking sector to improve the loyalty of customers and the performance of the organization. This study fills in the gaps in the literature about the micro-finance banking sector by showing how corporate social responsibility, non-discrimination, and social awareness work together to create social equity.
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Zaragoza, Merlin Grace Panggabean, and Muthia Pramesti. "The Growth of MSE: The Effect of Financial Literacy and Access to Finance with Digital Finance and Usage of Digital Technology as Mediators." Jurnal Manajemen Teknologi 24, no. 1 (2024): 15–29. https://doi.org/10.12695/jmt.2025.24.1.2.
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Abstract. This research was conducted to examine the effect of financial literacy and access to finance on the growth of micro-enterprises in Indonesia, with digital finance and the use of digital technology as mediation. This study uses a quantitative method with Indonesian micro-enterprises as respondents. Sampling obtained a total of 178 respondents, which was carried out by distributing questionnaires to the large community of MSEs: Jakpreneur and BRI Growprenuer. All data that has been collected is processed using the PLS-SEM method. The study results show that financial literacy and access to finance significantly influence the growth of micro-enterprises in Indonesia. The mediating role of digital finance and the usage of digital technology also significantly mediate the relationship between access to finance and micro-enterprise growth. Keywords: Financial literacy, access to finance, business growth, digital financial services, use of digital technology
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Sharma, Nikita. "Sustainable Livelihood and Socio-economic Status: A Study on the Role of Microfinance in Sonitpur District of Assam." Ushus - Journal of Business Management 16, no. 1 (2017): 21–38. http://dx.doi.org/10.12725/ujbm.38.2.
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In todays world, it is imperative to earn a sustainable livelihood which can cope-up with unforeseen shock or disaster and can recover from the same to live a life in a better way. In this study, focus has been given on the role played by micro finance in supporting the livelihood generating activities by helping in acquiring the livelihood assets. Further, the changes in the socio economic status of the beneficiaries of micro finance have also been studied. This study has been conducted in two randomly selected development blocks of Sonitpur district in Assam viz. Balipara development block and Rangapara development block. A sampling size of 400units has been taken up for collecting the primary data required for the study, consisting of the members of theSelf-Help Groups (SHGs) as the sampling unit. The collected primary data have been analyzed with the help of the Statistical Package for the Social Sciences (SPSS)software, have shown positive results regarding acquiring the livelihood assets by the rural folk with the help of micro finance. Moreover, Social Status Index and Economic Status Index has also been computed to study the socio-economic changes among the beneficiaries of micro finance.
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Vasanti, Tathe &. Dr. Anand Dadas. "AN ANALYTICAL STUDY OF "INCLUSIVE SOCIAL EFFICIENCY" OF THE FAMILIES BENEFITED THROUGH MICROFINANCE WITH REGARDS TO PUNE CITY." Scholarly Research Journal for Interdisciplinary studies 13, no. 83 (2024): 206–16. https://doi.org/10.5281/zenodo.12806023.
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<em>India is a developing economy. It is the land of opportunities. It is a country with “unity in diversity.” Due to increasing population and changing needs in the modern lifestyle, it is essential to understand the growing importance of financial literacy, saving patterns, investment options for stability and management of emergencies. India has a large chunk of middle-class group out of total population. Hence, micro-finance plays an important role in this regard. The present study aims to analyze the role of micro-finance and its benefits for families. The study is empirical in nature. The researcher has administered the structured questionnaire and collected primary data of 47 respondents. The data were analyzed and interpreted through descriptive statistics and Pearson Correlation Coefficient test. The study is significant as it deals with the financial inclusion, micro-finance, family finance in Pune City. </em>
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Rasheed, Rabia, Sulaman Hafeez Siddiqui, Iqbal Mahmood, and Sajjad Nawaz Khan. "Financial Inclusion for SMEs: Role of Digital Micro-financial Services." Review of Economics and Development Studies 5, no. 3 (2019): 429–39. http://dx.doi.org/10.26710/reads.v5i3.686.
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SMEs paly major role in poverty reduction and employment generation, therefore experts considered this sector as engine of economic growth. However, access to finance in developing countries is one of major issue in development of SME sector as well as hurdle in economic growth. Financial institutions banking and non-banking shows reluctant behaviour in providing financing to SMEs and the issue is more severe in emerging economies. Bank financing has been found as main source of funds for SMEs in Pakistan, however, to obtain these funds not easy for small and medium firms. Recently digital micro financial services have been introduced by a number of micro finance banks. Current study examines the role of digital micro financial services in enhancing SMEs’ access to finance and thereby enabling a more inclusive financial market for SMEs especially in context of emerging and developing economies. By digging out the existing literature and secondary data, the study discusses that digital financial services have greatly helped owner managers of SMEs in smooth management of their transactions and finances. The study concludes that to strengthen SME sector for economic growth, it is important to further reduce the cost of using digital financial services and increase the financial product portfolio on digital platforms.
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Ms, Neha Saini, Bhupendra Kumar Dr., and O. P. Pathak Dr. "A CONCEPTUAL STUDY OF MICRO FINANCE IN INDIA." International Journal of Marketing & Financial Management 5, no. 11 (2017): 75–82. https://doi.org/10.5281/zenodo.10816427.
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<strong>ABSTRACT</strong> <em>In a country like India where 70 percent of its population lives in rural area and 60 percent depend on agriculture (according to the World Bank reports), micro-finance can play a vital role in providing financial services to the poor and low income individuals. Microfinance is the form of a broad range of financial services such as deposits, loans, payment services, money transfers, insurance, savings, micro-credit etc. to the poor and low income individuals. The importance of micro-finance in the developing economies like India cannot be undermined, where a large size of population is living under poverty and large number of people does not have an access to formal banking facilities. The taskforce on Supportive Policy and Regulatory Framework for Microfinance constituted by NABARD defined microfinance as “ the provision of thrift, saving, credit and financial services and products of very small amount to the poor’s in rural, semi urban and urban areas for enabling them to raise their income level and improve their standard of living.” (Sen, 2008) Micro-finance is regarded as a useful tool for socio-economic up-liftmen in a developing country like India. It is expected to play a significant role in poverty alleviation and development. There are two broad approaches that characterize the microfinance sector in India is Self Help Groups (SHGs)-Bank linkage programme and Microfinance Institution (MFIs). In India microfinance is dominated by Self Help Groups (SHGs)-Bank linkage programme aimed at providing a cost effective mechanism for providing financial services to the unreached poor. The present paper aims at identifying the current status and role of microfinance in the development of India. </em> <strong><em>Keywords: </em></strong>Microfinance; SHGs, MFIs; Status and Growth of Microfinance
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Shankar and N. Senthil Kumar. "A STUDY ON CHALLENGES, OPPORTUNITY AND POVERTY REDUCTION THROUGH MICRO FINANCE IN INDIA." International Journal of Research -GRANTHAALAYAH 4, no. 10(SE) (2016): 50–56. http://dx.doi.org/10.29121/granthaalayah.v4.i10(se).2016.2468.
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Poverty is a term with which manly developing countries are suffering. The poor people one of basic need for financial requirements to socio economic developments. Micro-finance has become one of the most effective interventions for economic empowerment of the poor. The experience across India and other countries has shown a robust potential of Microfinance to integrate with the development issues thereby significantly impacting the lives of poor. In this research paper indicates that role micro finance large contribution to economic development of poor people as well as challenges, opportunity and poverty reduction through micro finance.
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Balanagalakshmi, B., and Sukhavasi Santha Kumari. "Impact of COVID on Micro Finance Institutions." ECS Transactions 107, no. 1 (2022): 10431–38. http://dx.doi.org/10.1149/10701.10431ecst.
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COVID-19 pandemic has affected acutely the financial system and created several challenges to the financial institutions in terms of their existence and raised a question about its survival in future. Micro finance is playing a vital role in enhancing the financial strength of the society. Micro finance institutions offer financial services in the form of loans for various purposes to support low-income people and weaker sections of the society who have less access in commercial banks. The COVID-19 pandemic has worsened the liquidity conditions of low-income people and small business owners and they are unable to gather funds for their personal and business needs due to widespread lockdowns. The external private finance is falling due to the reason that the borrowers are unable to repay their loans and it has started to create pressure on institutions which cannot repay their deposits on time due to its poor liquidity conditions. Hence, this paper has made an attempt to study the impact of COVID-19 pandemic on micro finance institutions and measures taken to combat the situation.
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Adhikari, Dipak Bahadur. "Role of Micro-Finance in Socio-Economic Development of Kathmandu, Nepal." Patan Pragya 5, no. 1 (2019): 1–10. http://dx.doi.org/10.3126/pragya.v5i1.30431.
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The focus of this paper is to analyze the role of micro-finance in socio-economic development of Kathmandu. Microfinance is a simple but effective credit tool that enables the most poor to pull themselves out of poverty. The socio-economic status of loanees has improved consequently than when they started small business with loan in the earlier days. Moreover, it was found that their socio-economic status was higher than that of non-loanees. Microcredit is an effective tool for raising the socio-economic status of the poor people, particularly the women.
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Velivala, Sreenivas, Francis Abraham A, and Kotishwar A. "Micro Finance Role in Empowering Women of Telangana Region’s Rural SHG." HELIX 11, no. 6 (2021): 24–31. http://dx.doi.org/10.29042/2021-11-6-24-31.
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Zulfiqar, Ali Rajper, and Ali Ghumro Ikhtiar. "Assessing the Role of Micro Finance for Poverty Alleviation in Sindh." SALU-Commerce & Economics Review 4, no. 1 (2018): 105–13. https://doi.org/10.5281/zenodo.3692265.
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Abstract:- Microfinance is playing a significant role in poverty alleviation. The current study focused on the impact of microfinance on poverty alleviation in Sindh. The purpose of this study is to analyze the impact of loan and income on the poverty alleviation among the respondents in Sindh. The target population for this study was the respondents who are the customers of Khushhali Bank Limited in the Sukkur region Sindh and the sample size was of 370. The survey has been conducted to collect the data through the close ended questionnaire. The SPSS v.21 software was used to analyze the data. The relationship among the study variables measured by using the Pearson correlation and the regression technique was used to know the impact among the study variables (Dependent/Independent). In this research, the study variables are significantly correlated with each other and have a significant impact among the study variables. The current study reveals that the effective provision and easy access of microfinance can empower the poor to maintain their consumption level, develop micro enterprises and gradually increase their assets. It helps in generating income to improve their living standards and can enjoy the quality of life. With little effort, microfinance institutions can improve their performance and play a big role in alleviating the poverty of their customers in Sindh. The conclusion drawn from this study found a significant relationship among the study variables and the microfinance as a key factor for alleviating poverty among the respondents in Sindh.
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Prof, Dr Ikhtiar Ali Ghumro. "Assessing the Role of Micro Finance for Poverty Alleviation in Sindh." SALU-Commerce & Economics Review 4, no. 1 (2018): 105–13. https://doi.org/10.5281/zenodo.3723096.
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Microfinance is playing a significant role in poverty alleviation. The current study focused on the impact of microfinance on poverty alleviation in Sindh. The purpose of this study is to analyze the impact of loan and income on the poverty alleviation among the respondents in Sindh. The target population for this study was the respondents who are the customers of Khushhali Bank Limited in the Sukkur region Sindh and the sample size was of 370. The survey has been conducted to collect the data through the closeended questionnaire. The SPSS v.21 software was used to analyze the data. The relationship among the study variables measured by using the Pearson correlation and the regression technique was used to know the impact among the study variables (Dependent/Independent). In this research, the study variables are significantly correlated with each other and have a significant impact among the study variables. The current study reveals that the effective provision and easy access of microfinance can empower the poor to maintain their consumption level, develop micro enterprises and gradually increase their assets. It helps in generating income to improve their living standards and can enjoy the quality of life. With little effort, microfinance institutions can improve their performance and play a big role in alleviating the poverty of their customers in Sindh. The conclusion drawn from this study found a significant relationship among the study variables and the microfinance as a key factor for alleviating poverty among the respondents in Sindh.
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Baig, Nida, Mohammad Rizwan-ul-Hassan, and Shafiq ur Rehman. "Role Of Micro-Finance To The Empowerment of Women: A Case Study Of Karachi." Pakistan Journal of Applied Social Sciences 3, no. 1 (2016): 15–35. http://dx.doi.org/10.46568/pjass.v3i1.290.
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This paper is an attempt to analyze the impact of micro financing to induce empowerment to those women who avail the facility of micro-credit in Pakistani society. The study examines the various business activities of women in Karachi who got capital through micro-financing and their socioeconomic status in family as well as society. The women empowerment as dependent variable has been used with three explanatory variables which are amount of micro-finance credit, age of the women and her family support to run her business. Logit Model is applied to assess the level of women empowerment because of binary dependent variable. Primary data has been collected through a questionnaire and in this way this is the first study in this research area using this methodology. Findings of the study indicates a positive correlation of all the variables to cause empowerment of women while family support to a woman has statistically significant impact to a woman. The study indicates the possibility of an improvement of society wellbeing and women empowerment if the direction of micro finance is focused towards women while the study is limited to Karachi region.
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Qing, Yang. "The Role of Digital Finance and Financial Inclusion in Economic Growth." Advances in Economics, Management and Political Sciences 110, no. 1 (2024): 39–44. http://dx.doi.org/10.54254/2754-1169/110/2024ed0122.
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Digital finance and financial inclusion have already become significant components of many countries financial system. Starting from the early 21th century, the researchers focus on building the developed digital finance and financial inclusion system. This paper concludes the development of digital finance and financial inclusion and then summarizes the three significant effects on small, micro enterprises and common residents according to the existing study, emphasizing the importance of the digital finance and financial inclusion to economic growth. The impacts include that digital finance can increase the efficiency of financial market by improving the success rate of two-way selection of both parties in the financial market, in addition to increasing the consumption quality of residents. This paper also points out that digital finance and financial inclusion will bring new risks to the financial market, and subsequent researchers still need to study how to make digital finance more stable and less risky.
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A.K, Siti-Nabiha. "Performance of Islamic Microfinance Institutions: Accounting for Well-Being." global journal al thaqafah 10, no. 2 (2020): 38–46. http://dx.doi.org/10.7187/gjat122020-5.
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Islamic micro-finance, despite being a small part of the Islamic finance industry, plays a significant role in poverty alleviation and financial inclusion activities. One of the key challenges facing Islamic micro-finance institutions (IMFIs) is the lack of measures of performance, which hinders the process of evaluating IMFIs’ performance and the dynamic growth of the micro-financing sector. Unlike the conventional financial sector, there have been few attempts to measure the performance of IMFIs. The knowledge of measures and determinants of success factors for IMFIs is limited and compounded by a lack of theoretical basis underpinning research in this area. This paper focuses on examining the performance measures of micro-financing institutions in Islamic micro-financing. The determination of IMFI success factors would assist in the external evaluation and internal improvements of IMFIs, which would contribute to a more dynamic micro-finance industry. Therefore, IMFIs should be evaluated not only on output and the outcome measures of both social and financial performance, but also the process and with a view of the entire value chain of financing, along with the internal process of fostering borrower cooperation to enable the achievement of well-being.
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Muhammedi, Ssonko, Raden Ali Pangestu, Ilyas Helmi Bin Mohd Yusof, and Umar Akem. "The Role of Productive Women in Alleviating Poverty Through Strengthening Islamic Social Finance: A Study of Micro Waqf Banks in Indonesia." International Economic and Finance Review 3, no. 1 (2024): 88–104. http://dx.doi.org/10.56897/iefr.v3i1.53.
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The nature of women in development has a big role not only in the economic foundation of households, in the use of Islamic social financial institutions. Poverty motivates women to develop their potential through opportunity, excellence, and equality. Attention to Islamic social finance namely zakat, infaq, sadaqa and waqf in Indonesia is increasing as awareness improves. Limited access of productive women to social financial institutions makes it difficult to obtain business capital. The study investigates the contribution of women to poverty alleviation through Islamic social finance. This study uses qualitative methods with a field study approach. The research location is at the Micro Waqf Bank Lan Taburo Lebak Banten, Indonesia. Data collection using interviews, observations, and literature studies. Data analysis techniques use triangulation with collection, reduction, presentation, and conclusions. The results showed that the role of productive women micro waqf bank customers utilizes Islamic social finance, namely managing business financing, increasing household income, creating household economic prosperity, strengthening community empowerment, and increasing waqf literacy. The research implies that the greater the role of productive women utilizing Islamic social finance, the more positively it will contribute to poverty alleviation in Indonesia. This study was limited to women producing micro waqf banks who received benefits at one institution. Further research needs to be carried out in quantitative studies to find the dominant factor of alleviating harm using Islamic social finance.
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Ojo, Marianne. "Role of Regulation in Micro Finance: Application of the Micro Savings Requirement Scheme in Informal Sectors." British Journal of Economics, Management & Trade 4, no. 5 (2014): 786–803. http://dx.doi.org/10.9734/bjemt/2014/7487.
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Ahmad, Khalid Mustafa, Zulfiqar Ahmad Gill, and Toseef Azid. "NGOs, Micro-finance and Poverty Alleviation: Experience of the Rural Poor in Pakistan." Pakistan Development Review 39, no. 4II (2000): 771–92. http://dx.doi.org/10.30541/v39i4iipp.771-792.
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Non-governmental organisations (NGOs) continue to be the global ‘flavour of the month’ in international development. They are regarded as “outside” actors perceived to work in the interests of the poor, and in the absence of the state, many NGOs have taken on vital role in the provision of basic services to the poor. The institutional and political environment is attuned to privatisation in whatever form it takes. NGOs are another expression of this trend, but in the case of NGOs no real disillusionment phase has yet set in. But still NGOs remain the favoured vehicle for grass-roots involvement and community development in many countries. The present paper seeks to delineate the role of NGOs in micro finance and study their aggregate impact on poverty reduction in rural Pakistan as a result of micro finance efforts. The paper is organised in four sections. Section I commences with the concepts, promises and limitations of NGOs as a vehicle of micro finance. Section II summarises the record of performance of NGOs in Pakistan. In particular, the role, achievements and set-backs of two noted NGOs in Pakistan, Agha Khan Rural Support Programme (AKRSP) and National Rural Support Programme (NRSP). Which are studied by examining aggregate impact of these NGOs on poverty reduction as result of their micro finance efforts. Section III examines the poverty profile and presents summary of the role of NGOs in the context of poverty lending and, finally Section IV concludes the analysis and proposes some policy recommendations.
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S.I., Malagali. "WOMEN EMPOWERMENT MICRO FINANCE IN RURAL AREA." Shanlax International Journal of Arts, Science and Humanities 6, S2 (2019): 59–64. https://doi.org/10.5281/zenodo.2572952.
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<em>It is a banking activity which provides financial assistance/loans to unemployed or individuals and groups as a whole. Micro finance through Self Help Group (SHG) is a powerful and suitable way of reaching financial assistance to the people directly for rural development. Empowerment of women is the main aim of microfinance, which leads to sustainable development of the nation. In this paper, the role of Microfinance in women’s empowerment is considered. For this study the following objectives have been framed. 1. To study the functioning of SHGs in Rural Areas. 2. To know the freedom of the women that they enjoy in SHG 3.To study the problems of women members of SHG. 4. To analyze the women empowerment psychologically, sociologically and economically. The researcher used various statistical tools which required for better analysis and interpretation. Keywords: Microfinance, women empowerment, Self Help groups, Non Governmental Organization. </em><em>A majority of microfinance programs target women with the explicit goal of empowering them. There are varying underlying motivations for pursuing women empowerment. Some argue that women are amongst the poorest and the most vulnerable of the underprivileged and thus helping them should be a priority. Self-help groups intermediated by micro credit have been shown to have positive effects on women, with some of these impacts being ripple effects. Several recent assessment studies have also generally reported positive impacts In India, for example, microfinance is typically defined as the provision of thrift, credit and other financial services and products of very small amounts to the poor in rural, semi-urban or urban areas for enabling them to raise their income levels and improve living standards (NABARD, 2004. </em>
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Pan, Qiufeng. "Innovation of Internet Finance and Small and Micro Enterprise Financing Mode." E3S Web of Conferences 236 (2021): 04015. http://dx.doi.org/10.1051/e3sconf/202123604015.
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With the rapid development of the Internet, Internet financial services are also constantly popularizing, constantly occupying an important position in the financial market, the rapid development of Internet finance has improved the way of social financial services, enriched the types of financial products, effectively solved the problems of small and micro enterprises in financing difficulties, high financing costs, slow financing speed, and played an important role in the financing of small and micro enterprises. But under the development mode of Internet finance, the financing mode of small and micro enterprises still faces some shortcomings and problems. The purpose of this paper is to introduce the current situation of Internet finance and small and micro enterprise financing, take this as the starting point to study, further analyze the problems and reasons, and analyze the relevant countermeasures according to the problems.
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Luo, Zehua, Jingqi Zhao, Jinglin Liu, and Xingtong Liu. "The Impact of Green Finance on Small and Micro-enterprises." Advances in Economics, Management and Political Sciences 92, no. 1 (2024): 114–23. http://dx.doi.org/10.54254/2754-1169/92/20231236.
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The passage summarizes the key points from the provided passage about green finance, its channels, impact on small and micro-enterprises, influencing factors, and challenges. It highlights the various channels of green financing, such as green bonds, sustainable bonds, and green loans. Additionally, it discusses secondary market investment in green stocks and green bonds. The passage emphasizes the importance of government policies, banking institutions, non-banking sectors, and investors in promoting green finance. Furthermore, it points out the challenges faced by green finance, including information asymmetry, high costs, and the lack of clear green standards for small and micro-enterprises. Despite these challenges, the passage underscores the potential for green finance to drive sustainability and economic growth, particularly for smaller businesses. In summary, the passage provides an overview of the concepts, mechanisms, and impacts of green finance, highlighting its role in environmental conservation and sustainable development, especially for small and micro-enterprises.