Relevant bibliographies by topics / Rural Saving And Loans Association

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  1. Journal articles
  2. Dissertations / Theses
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Academic literature on the topic 'Rural Saving And Loans Association'

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Published: 4 June 2021
Last updated: 12 February 2022

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Journal articles on the topic "Rural Saving And Loans Association"

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Adusei, Charles, and Isaac Tweneboah-Koduah. "Small enterprises and banking in rural Ghana." International Journal of Research in Business and Social Science (2147- 4478) 9, no. 3 (2020): 175–81. http://dx.doi.org/10.20525/ijrbs.v9i3.696.

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This study aim is to explore owners of small enterprises' appreciation of bank’s role in developing their businesses and the challenges that come along in accessing banking services in the context of Sefwi-Bekwai which is a rural community. Questionnaires were used to solicit information from the owners while descriptive statistics aided the data analysis. The study found that the main source of start-up capital is the owner’s funds whiles saving was recorded as the key benefit of banking. It further revealed that the high-interest rate charged was a barrier in accessing loans and the effect of bank relations was sound financial management for the SME’s operations. The paper suggests the need for small enterprise owners in the rural communities to form an association for their benefit in terms of taking advantage of group lending and demanding support and relief from relevant authorities. Improved institutional support would also give small enterprises better access to the information they need for financing and growth.
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Bannor, Richard Kwasi, Helena Oppong-Kyeremeh, Mercy Derkyi, Albert Yingura Adombila, and Ernest Christlieb Amrago. "Village savings and loans association participation and impact on off-farm income among rural women." Journal of Enterprising Communities: People and Places in the Global Economy 14, no. 4 (2020): 539–62. http://dx.doi.org/10.1108/jec-04-2020-0058.

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Purpose This paper aims to examine the factors that influence rural women’s participation in Village Savings and Loans Association (VSLA) and the savings contribution in the Kassena-Nankana West District of Ghana. The study also analysed the impact of VSLA participation on off-farm income and on poverty. Design/methodology/approach In total, 120 rural women were selected for this study. The probit and heteroskedasticity linear regression models were used to examine the factors that influence VSLA participation and the savings made by members, respectively. The propensity score matching technique, coupled with Rosenbaum Sensitivity analysis, were used to analyse the impact of VSLA on off-farm income and poverty. Findings Demographic and livelihood factors such as human, natural, financial, physical and social capitals have different influences on the participation and the savings contribution in the VSLA. Moreover, VSLA has a significant impact on off-farm income; however, it did not affect poverty. Originality/value Despite the numerous studies on VSLA, there is little evidence of literature of its impact on off-farm income of rural women in West Africa, specifically, Ghana. Thus, this paper expands the frontiers of the existing literature on VSLA impact assessment and the factors that influence the savings made by women in the association.
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Kurniawati, Lestari, and Septiana Ika Ningtyas. "Arisan Gabah Association: Empowerment of Rural Society Economic in Sobang-Lebak Banten [Paguyuban Arisan Gabah : Pemberdayaan Ekonomi Masyarakat Pedesaan di Kecamatan Sobang-Lebak, Banten]." Proceeding of Community Development 2 (February 21, 2019): 444. http://dx.doi.org/10.30874/comdev.2018.455.

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This study focuses on how the Arisan Gabah Association works in Sobang Sub-district and the benefits generated by the existence of the Arisan Gabah Association in Sobang District. This research method uses a qualitative approach with descriptive methods. The object of the research is farmers Sobang in getting around the needs through Grain Arisan. The results showed that the formation of the Arisan Gabah Association was the result of the independence of Sobang farmers in the economic field. Amid the limitations, Sobang farmers are looking for alternative ways to fulfill their daily needs, one of which is through the establishment of the Arisan Gabah Association. The method of distribution is based on lottery, rotation or savings and loans, and still uses a simple administrative system (management based on family principles). Benefit from an economic perspective as a medium for fulfilling living needs, while from a social perspective as a helping media, interact and take advantage of leisure time. The benefits felt by each member of the Arisan Gabah Association are more positive.
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Chapagain, Ramkrishna, and Rishikesh Aryal. "Microfinance Intervention and Livelihood Status: A Case of Gramin Bikash Bank Limited." Saptagandaki Journal 9 (August 26, 2018): 62–72. http://dx.doi.org/10.3126/sj.v9i0.20881.

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This paper attempts to focus on the impact of micro finance intervention on livelihood status of the people taking samples of 60 respondents of microfinance intervened and 60 non intervened population of Grameen Bikash Bank which lies on remote area of Pokhara, Leknath Metropolitan city and nearby VDCs. The study is based on the randomized control trial approach and data were collected through researcher administered questionnaire. Respondents were taken through stratified sampling. The research finds that microfinance intervention has association with occupational status, micro enterprise creation, frequency of loan taken and occupational change. Independent sample t-test shows micro finance intervention increases income level, capital expenditure, consumption expenditure and saving. The regression analysis shows that micro finance intervention changes the livelihood status of women of rural areas of Pokhara Municipality and nearby VDCs. The Sapta Gandaki JournalVol. IX, 2018 Feb. Page: 62-72
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Allen, Hugh. "Village Savings and Loans Associations — sustainable and cost-effective rural finance." Small Enterprise Development 17, no. 1 (2006): 61–68. http://dx.doi.org/10.3362/0957-1329.2006.009.

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Theophilus, Kwarteng Amaning, and Sarfo-Mensah Paul. "The Impact of Savings Groups on Female Agency: Insights from Village Savings and Loans Associations in Northern Ghana." Asian Journal of Agriculture and Rural Development 9, no. 2 (2019): 133–46. http://dx.doi.org/10.18488/journal.1005/2019.9.2/1005.2.133.146.

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In this paper we examined how participation in savings groups like the Village Savings and Loans Associations (VSLAs) influence women’s agency in rural Ghana, i.e. their ability to freely participate in group activities and act on other issues and matters that affect them. Both quantitative and qualitative data were collected from VSLA and nonVSLA members to compare the effect between participants and nonparticipants. We used three dimensions of agency adapted from the Women's Empowerment in Agriculture Index (WEAI) to assess female agency: women’s participation and decision making in groups; women’s comfort with public speaking; and women’s decision making in their households. A significant finding of this study is that VSLA membership has enhanced the agency of female participants as they are more economically and socially active and can act on their own compared to women who did not use the savings group.
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Zhao, Jianmei. "Formal Credit Constraint and Prevalence of Reciprocal Loans in Rural China." Open Economics 4, no. 1 (2021): 1–13. http://dx.doi.org/10.1515/openec-2020-0110.

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Abstract The unique feature of the rural credit market in China is the dominance of zero collateral and zero-interest reciprocal lending and its long-term coexistence with the formal loan. This paper investigates the association between formal credit constraint and prevalence of reciprocal loans in rural China. Based on the identification of rural households’ credit constraint status, we examine the effects of credit constraint on the utilization of informal reciprocal loans. We find that formal credit constraint significantly increases rural borrowers’ reliance on reciprocal loans, whereas the “debt of gratitude” imposes an uncertain obligation on rural borrowers, and discourages them from borrowing amongst relatives and friends.
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Labani, SA, MZ Islam, and ASMG Hafeez. "Socio-economic Impact of Grameen Bank Income Generating Loans on Rural Women of Tangail District." Journal of Environmental Science and Natural Resources 8, no. 2 (2016): 135–39. http://dx.doi.org/10.3329/jesnr.v8i2.26880.

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A study was conducted to examine the socio-economic impact of Grameen Bank(GB) income generating loans on rural women in selected areas of Tangail district. The study was conducted to examine the impact of loan on the livelihood improvement of women borrowers. Sixty respondents were purposively selected from 3 villages namely Hemnagar, Volapara and Shimlapara of which 10 were engaged in farming, 21 were engaged in livestock rearing, 19 were engaged in petty business, 5 were engaged in tailoring and 5 were indirectly engaged in van/rickshaw pulling. Tabular and statistical analyses were applied for achieving the objectives. In the study area, higher proportions (55 percent) of women were middle aged and 93 percent were married. About 75 percent had signature ability, 18 and 7 percent studied up to primary and secondary level respectively. Average family size of the respondents was 5.36, average annual income and saving of the respondents were Tk. 65958 and 8770, respectively. Overall income and saving change by taking loan from GB were 36.04% and 68.69% respectively. There was remarkable increase in attitudes and opportunities of the respondents after joining the GB. The findings show that GB loan brought about positive impact on livelihood improvement of the borrowers.J. Environ. Sci. & Natural Resources, 8(2): 135-139 2015
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Kurebwa, Jeffrey. "Micro-finance as a Tool for Financial Access, Poverty Alleviation and Women Empowerment in Bindura District, Zimbabwe." Studies in Social Science Research 1, no. 1 (2020): p21. http://dx.doi.org/10.22158/sssr.v1n1p21.

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The purpose of this study was to understand the role of micro-finance as a tool for women empowerment in Bindura Rural District of Zimbabwe. Qualitative methodology was used. Data collection methods used included semi-structured interviews, documentary search. The respondents for the study were drawn from rural women who had accessed loans from MFI, managers of MFI and the Zimbabwe Association of Micro Finance Institutions. The study found out that access to credit has positive outcomes on production, income, and consumption at household and macro-economic levels. Rural women in Zimbabwe lack adequate access to formal credit. The study found that that lack of adequate access to credit have significant negative effect on technology adoption, agricultural productivity, food security, nutrition, health, and overall welfare. The study concludes that the lack of collateral of the poor, their demand for smaller loans, and high transaction cost associated with small loans are the main factors that the poor are excluded from formal credit services.
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Lambongang, Abiodun, Munkaila, Emmanuel Awoyemi, and Kafui Kosiwor Sokpor. "Effect of Participation in Village Savings and Loans Associations on the Financial Performance of Rural Households in Northern Region, Ghana." International Journal of Publication and Social Studies 5, no. 2 (2020): 178–88. http://dx.doi.org/10.18488/journal.135.2020.52.178.188.

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Dissertations / Theses on the topic "Rural Saving And Loans Association"

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Aguilar, Andía Giovanna. "Microfinance and regional growth in Peru." Economía, 2014. http://repositorio.pucp.edu.pe/index/handle/123456789/118131.

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The objective of this study is to make a quantitative evaluation of the impact that the expansion of microcredit has had on the growth of economic activity in the Peruvian regions. Taking as a theoretical framework the theory developed to analyze the relationship between economic growth and financial development and with annual information for 24 regions of the country for the period 2001 - 2008, a panel data model is estimated with per capita GDP growth as a dependent variable; and the loans provided by various types of microfinance institutions, loans from commercial banks and other variables that affect economic growth as explanatory variables. The evidence found suggests that microfinancial expansion has a positive impact on the growth of economic activity in the regions, which is not the case for the expansion of banking intermediation. A comparative static exercise shows that if CMAC, CRAC and specialized bank loans come to reach10% of GDP in each region, the growth rate of GDP per capita would rise by at least 4 percentage points. In the regions with greatest poverty, this increase is much more striking and significant.<br>El objetivo de este estudio es hacer una evaluación cuantitativa del impacto que la expansión del microcrédito ha tenido sobre crecimiento de la actividad económica en las regiones peruanas. Teniendo como marco conceptual la teoría desarrollada sobre el vínculo entre el crecimiento económico y el desarrollo financiero y con información anual para 24 regiones del país en el período 2001-2008, se estima un modelo de datos de panel que tiene como variable dependiente la tasa de crecimiento del PBI per cápita y como variables explicativas las colocaciones de los distintos tipos de instituciones microfinancieras como porcentaje del PBI, las colocaciones bancarias en porcentaje del PBI y otras variables que afectan el crecimiento económico. La evidencia encontrada sugiere que la expansión microfinanciera tiene un impacto positivo en el crecimiento del nivel de actividad de las regiones a diferencia de lo que ocurre con la expansión de la intermediación bancaria. Un ejercicio de estática comparativa muestra que si las colocaciones de las CMAC, CRAC y bancos especializados llegan a alcanzar el 10% del PBI, la tasa de crecimiento del PBI per cápita se elevaría en por lo menos 4 puntos porcentuales. En las regiones de mayor índice de pobreza este incremento es mucho más impactante y significativo.
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Tilly, Karlsson Anna. "Kvinnor och "Village Savings and Loan Associations" i Uganda : En kvalitativ studie om kvinnors upplevelser av VSLA-gruppers inverkan på deras livsomständigheter." Thesis, Uppsala universitet, Teologiska institutionen, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-363379.

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The purpose of this study is to look in to how microfinance through the VSLAmodel has affected life circumstances of women in rural parts of Uganda. The study also examines whether participation in VSLA-groups leads to empowerment. The results have been derived from qualitative fieldwork, based on semi-structured interviews. Women from the Ugandan districts of Kayunga and Masaka have been interviewed about their experiences of participating in VSLA-groups. The theoretical framework consists of a liberal as well as a postcolonial feminist theorization. The study subject is analyzed by using Martha Nussbaum’s Capabilities Approach and Gayatri Chakravorty Spivak’s thoughts on the subaltern. The Uganda National Farmers Federation (UNFFE) started working with financial inclusion in 2010 and in 2014 they implemented the Human Rights Based Approach (HRBA) in their work. It is found in this study that the VSLA-groups who operates guided by the Human Rights Based Approach, have had a positive effect on the life conditions of the interviewed women. The socioeconomic effects have been positive, the women have greater control over their life circumstances and the VSLA-groups have proved empowering.<br>I denna studies granskas en typ av mikrofinansmodell, Village Savings and Loan Associations (VSLA) och dess påverkan på kvinnor på Ugandas landsbygds livsomständigheter. Den undersöker också om deltagande i VSLA-verksamhet leder till empowerment. Studiens resultat bygger på fältarbete bestående av kvalitativa undersökningar. Kvinnor från de ugandiska distrikten Kayunga och Masaka har deltagit i semistrukturerade intervjuer där de berättat om sina upplevelser av att vara med i en VSLA-grupp. Det teoretiska ramverket har en liberal såväl som postkolonial feministisk utgångspunkt. Uppsatsens frågeställningar analyseras genom Martha Nussbaums Capabilities Approach och Gayatri Chakravorty Spivaks tankar om den subalterna. Uganda National Farmers Federation (UNFFE) började arbeta med finansiell inkludering 2010 och 2014 implementerade de Human Rights Based Approach (HRBA) i sitt arbete. Denna studie finner att VSLA-grupper, vilka arbetar med hjälp av HRBA har en positiv effekt på de intervjuade kvinnornas livsomständigheter. De socioekonomiska effekterna har varit positiva, kvinnorna har fått större kontroll över sina förhållanden och VSLA-grupperna har haft en empowering effekt.
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Simataa, Linus Milinga. "Microfinance and poverty alleviation: a study of three savings and credit associations, Caprivi region, Namibia." 2013. http://hdl.handle.net/11394/3878.

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Magister Artium - MA<br>According to Professor Muhammed Yunus, Nobel Prize winner in 2006 and the founder of the internationally acclaimed Grameen Bank in Bangladesh, microfinance is a viable solution to poverty alleviation among the poorest people residing in rural areas. Microfinance programs have led to poverty alleviation and empowerment of especially rural based women of developing societies, as they enable the poor to manage their finances and cope with unpredictable shocks and emergencies (Yunus, 2007). This research evaluated the developmental impact of microfinance on poverty alleviation and women empowerment. It assessed the impact of the existing microfinance programmes among the members of the three microfinance Savings and Credit Associations (SCAs) in the rural areas of the Caprivi region of Namibia. This study explored whether microfinance programs have helped their members to minimize financial vulnerability through diversification of income sources and accumulation of assets. The research employed both qualitative and quantitative research designs. Data were collected through different qualitative and quantitative techniques (in-depth individual interviews, faceto- face interviews, questionnaire and questionnaire schedule). Summary findings indicate that the SCAs has positively contributed to the socio-economic improvement in the living standards (contribution to livelihood – increased income, enhanced health, and food status), improved education/healthcare, women empowerment through micro enterprise training and skill development. However, SCAs are still struggling with challenges, such as lack of income, high default rates and unprofitable micro enterprises. This research makes several recommendations, including: MFIs should concentrate on women’s economic empowerment as their main aim, incentives should be provided to the MFIs to encourage savings and investment amongst the poor, and if microfinance is to be used as a promotional tool for credit and saving services for the poor, then the socio-economic consequences of micro-credit lending have to be re-investigated, especially when they negatively impact on poverty reduction.
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"An assessment of the progress made in the broadening of access to finance to low-income earners (1994-2007)." Thesis, 2012. http://hdl.handle.net/10210/5072.

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M.Comm.<br>The purpose of this dissertation is to assess the progress that has been made in the provision of housing finance to low-income earners. In 1994, housing affordability was constrained, as around 86% of households earned below R3 500. The focus, therefore, is on the role played by both government and the four major banks in broadening access to housing finance for these households and also those who earn less than R7 500. Frameworks that brought about certain initiatives aimed at addressing this problem are explored. On the side of government, the housing subsidy scheme and the role played by the government housing finance institutions (i.e. the National Housing Finance Corporation and the Rural Housing Loan Fund) are explored. On the banking sector side, the provisioning of housing finance prior to and after the implementation of the Financial Sector Charter (FSC) in 2004 is investigated. The dissertation concludes by looking the challenges that exist in the low-cost housing finance environment. The paper notes that, although some considerable progress has been made in the broadening of access to housing finance, there is a huge gap between the number of subsidies approved and the number of households that have benefited from the government subsidy scheme, possibly resulting from, among other things, capacity constraints at local government level. In respect of the banking sector, data analysed shows that bank involvement in the low-income market was very minimal before the implementation of the FSC. However, as much as some progress has been made, there are some serious challenges in this market that could have possibly prevented the role players from extending this access to the rest of the target group.
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Books on the topic "Rural Saving And Loans Association"

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Wisniwski, Sylvia. Demanda potencial para servicios financieros: La Paz, Chuquisaca, Santa Cruz. FDC, 1996.

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Rajasekhar, D. Savings and credit systems of the poor: Some Non-Governmental Organisation (NGO) experiences. Netherlands Organisation for International Development Co-operation, 1994.

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Office, General Accounting. [Rural Telephone Bank--review of RTB's 1991 loan interest rate calculation]. The Office, 1992.

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United States. Congress. House. Committee on Financial Services. Subcommittee on Insurance, Housing, and Community Opportunity. Legislative proposals to determine the future role of FHA, RHS, and GNMA in the single- and multi-family mortgage markets: Hearing before the Subcommittee on Insurance, Housing, and Community Opportunity of the Committee on Financial Services, U.S. House of Representatives, One Hundred Twelfth Congress, first session, May 25, 2011. U.S. G.P.O., 2011.

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Office, General Accounting. Financial audit: Rural Telephone Bank's 1988 financial statements : report to the Congress. The Office, 1990.

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Office, General Accounting. [Impoundment control--President's 104th special message for fiscal year 1992]. The Office, 1992.

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Office, General Accounting. [ Impoundment control--President's fifth special message for FY 1995]. The Office, 1995.

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Office, General Accounting. [ Impoundment control--President's fourth special message for fiscal year 1995]. The Office, 1995.

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Office, General Accounting. [Financial audit]: [Federal Deposit Insurance Corporation's management letter as of December 31, 1993]. The Office, 1994.

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Office, General Accounting. [Impoundment control--deferrals of budget authority in GSA]. The Office, 1993.

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Book chapters on the topic "Rural Saving And Loans Association"

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Wild, Robert, Moses Egaru, Mark Ellis-Jones, et al. "Using Inclusive Finance to Significantly Scale Climate Change Adaptation." In African Handbook of Climate Change Adaptation. Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-42091-8_127-1.

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AbstractReversing land degradation and achieving ecosystem restoration and management are routes to climate change adaptation and mitigation. The financial resources to achieve this are increasingly available. A major challenge is the absence of scalable mechanisms that can incentivize rapid change for rural communities at the decade-long time scale needed to respond to the climate emergency. Despite moves toward inclusive green finance (IGF), a major structural gap remains between the funding available and the unbankable small-scale producers who are stewards of ecosystems. This paper reports on inclusive finance that can help fill this gap and incentivizes improved ecosystem stewardship, productivity, and wealth creation. A key feature is the concept of eco-credit to build ecosystem management and restorative behaviors into loan terms. Eco-credit provides an approach for overcoming income inequality within communities to enhance the community-level ecosystem governance and stewardship. The paper discusses the experience of implementing the Community Environment Conservation Fund (CECF) over a 8-year-period from 2012. The CECF addresses the unbankable 80% of community members who cannot access commercial loans, has c. 20,000 users in Uganda and pilots in Malawi, Kenya, and Tanzania. The model is contextualized alongside complementary mechanisms that can also incentivize improved ecosystem governance as well as engage and align communities, government, development partners, and the private sector. This complementary infrastructure includes commercial eco-credit as exemplified by the Climate Smart Lending Platform, and the community finance of the Village Savings and Loans Associations (VSLA) model upon which CECF builds. The paper describes the technologies and climate finance necessary for significant scale-up.
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Wild, Robert, Moses Egaru, Mark Ellis-Jones, et al. "Using Inclusive Finance to Significantly Scale Climate Change Adaptation." In African Handbook of Climate Change Adaptation. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-45106-6_127.

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AbstractReversing land degradation and achieving ecosystem restoration and management are routes to climate change adaptation and mitigation. The financial resources to achieve this are increasingly available. A major challenge is the absence of scalable mechanisms that can incentivize rapid change for rural communities at the decade-long time scale needed to respond to the climate emergency. Despite moves toward inclusive green finance (IGF), a major structural gap remains between the funding available and the unbankable small-scale producers who are stewards of ecosystems. This chapter reports on inclusive finance that can help fill this gap and incentivizes improved ecosystem stewardship, productivity, and wealth creation. A key feature is the concept of eco-credit to build ecosystem management and restorative behaviors into loan terms. Eco-credit provides an approach for overcoming income inequality within communities to enhance the community-level ecosystem governance and stewardship. The paper discusses the experience of implementing the Community Environment Conservation Fund (CECF) over a 8-year-period from 2012. The CECF addresses the unbankable 80% of community members who cannot access commercial loans, has c. 20,000 users in Uganda and pilots in Malawi, Kenya, and Tanzania. The model is contextualized alongside complementary mechanisms that can also incentivize improved ecosystem governance as well as engage and align communities, government, development partners, and the private sector. This complementary infrastructure includes commercial eco-credit as exemplified by the Climate Smart Lending Platform, and the community finance of the Village Savings and Loans Associations (VSLA) model upon which CECF builds. The paper describes the technologies and climate finance necessary for significant scale-up.
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Conway, Gordon, Ousmane Badiane, and Katrin Glatzel. "Value Chains." In Food for All in Africa. Cornell University Press, 2019. http://dx.doi.org/10.7591/cornell/9781501743887.003.0009.

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This chapter studies the third pillar of sustainable intensification by focusing on the development of sustainable socioeconomic intensification. This encompasses the intensification of the relationships between farmers, which results in the development of innovative and sustainable institutions on the farm, in the community, and across regions and nations as a whole. Part of the response of rural people to the isolation they experience is to create associations, such as savings and loans associations and formal cooperatives. The critical question is how these institutions can be taken to scale. This chapter argues that the successful transformation of African agriculture lies in the effective integration of smallholder farmers into modernizing value chains. A food value chain describes the complicated process of transformation involving a sequence of events from the molecular product of one or more genes in crops or livestock, through intermediate stages of husbandry, harvesting, processing, marketing, and consumption, to the final molecular changes in the human who consumes the food product. Each component of the value chain, each structure or process has its distinctive characteristics, especially its own capacity to generate value.
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Ukwueze, Ezebuilo R., Henry T. Asogwa, and Augustine C. Odoh. "The Effect of Microfinance on Inequality and Household Shocks Easing in Nigeria." In Advances in Finance, Accounting, and Economics. IGI Global, 2019. http://dx.doi.org/10.4018/978-1-5225-5240-6.ch016.

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The chapter aims at finding the microfinance effect on households' shocks easing of Nigerians, and estimating the inequality in the use of MFIs' services under the backdrop that rural farmers do not have access to credits to boost productivity and this affects their income and widens inequality. Based upon the World Bank microdata on financial inclusion survey for 2014 (the Global Fundex survey data set), the study employed the Heckman selection model and concentration index. The results show that households in urban areas have more access to MFIs services than rural households in terms of mobile money accounts, emergency funds, and receiving remittances to smooth their consumption shocks. The results also show wide disparities in deprivation of owning accounts, in loans for apartment, in trend of saving habits, in capacity to participate in MFIs services between the rich and the poor. The study, therefore, recommends that more MFIs can be established in rural areas and more awareness campaign be carried to reach out to the targeted households.
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Sinha, Madhabendra, Partha Mukhopadhyay, Anjan Ray Chaudhury, and Partha Pratim Sengupta. "Capturing the Performances of Self-Help Groups Across Indian States." In Microfinance and Its Impact on Entrepreneurial Development, Sustainability, and Inclusive Growth. IGI Global, 2018. http://dx.doi.org/10.4018/978-1-5225-5213-0.ch011.

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During last four-and-a-half decades, microfinance has been growing as an instrument of improving the condition of the poor people in India. According to the report of NABARD (2015-16), almost 101 million of families in India have been receiving the fruits of microfinance through 7.9 million self-help groups. Based upon this importance of microfinance, this chapter attempts to look at the long-run dynamics of the amount of saving and the disbursement of loans taken by the self-help groups across the states during 2007-08 to 2013-14. Using LLC and IPS unit root tests and the generalized method of moments, it assesses the performance of the self-help groups through the amounts of their savings, which is a unit root process, and takes it as the dependent variable with disbursement amount of loan taken by the self-help groups taken as the independent variable. On the basis of this panel data regression, the results show that there exists a significant association between the selected variables.
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Ukwueze, Ezebuilo R., Henry T. Asogwa, Onyinye M. David-Wayas, Chisom Emecheta, and Johnson E. Nchege. "How Does Microfinance Empower Women in Nigeria?" In Advances in Finance, Accounting, and Economics. IGI Global, 2019. http://dx.doi.org/10.4018/978-1-5225-5240-6.ch001.

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That microfinance institutions empower women has become a heated debate at both theoretical and empirical economics. A large proportion of women in developing countries are characterized by segregation, relegation, poverty, vulnerability; majority of them engaged in agriculture and related economic activities, while a few others have menial jobs. The objective of this chapter is to determine how microfinance has empowered women in Nigeria. It employed propensity score matching and logit model to estimate the effect of microfinance on women empowerment and welfare. The results show that age of women, education, belonging to saving association, and operating an account are the determinants of women empowerment and welfare as they access finance from the microfinance banks. It was also observed that there is disparity among women who have access to liquidity. It is recommended that more microfinance banks be cited in the rural sector where the majority of the poor reside, policies like low interest rates, national awareness, and incentives for more women to access micro-credits.
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Reports on the topic "Rural Saving And Loans Association"

1

Oyerinde, Funmi, and Naphtali Bwalami. The Impact of Village Savings and Loan Associations on the Lives of Rural Women: Pro Resilience Action (PROACT) project, Nigeria. Oxfam, 2021. http://dx.doi.org/10.21201/2021.7277.

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Abstract:
The PROACT project uses Village Savings and Loan Associations (VSLAs) to enable rural financial inclusion. The VSLA approach is targeted at combating increased poverty and improving the resilience of poor rural farming households in Kebbi and Adamawa States, Nigeria. The three case studies presented here reflect the new, transformative realities of increased income, access to loans, safe spaces for women, improved rural enterprise and the empowerment of women engaged in the VSLAs.
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