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Journal articles on the topic 'S Microfinance'

Author: Grafiati

Published: 5 June 2025

Last updated: 1 August 2025

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1

AKIMANA, Lahaï Roy Avel. "Analysis of the Relationship between Women Access of Micro Credit and Women Utilisation of Micro Credit in Rwanda." Global Journal of Research in Humanities & Cultural Studies 3, no. 1 (2023): 5–23. https://doi.org/10.5281/zenodo.7658384.

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The study aimed to analyze of the relationship between women access of micro credit and women utilization of micro credit in Rwanda specifically to determine the level of women access to microfinance in BRAC Microfinance, to establish the factors influencing women‘s utilization of microfinance BRAC Microfinance and to analyze the relationship between women‘s access to microfinance and women‘s utilization of microfinance in BRAC Microfinance. The study adopted a descriptive research design. The study population was 1200 BRAC Microfinance women customers; a sample of 64 respond

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2

Adurayemi, Adu Cecilia, and Uchehara Chris Chigo. "Microfinance Bank's Loans and Micro, Small and Medium Enterprises Financial Performance in Ota Town Ogun State." Microfinance Bank's Loans and Micro, Small and Medium Enterprises Financial Performance in Ota Town Ogun State 1, Vol. 1 No. 4 (2023): December 2023 (2024): 18. https://doi.org/10.59890/ijmbi.v1i4.1074.

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This study evaluated the effect of microfinance bank’s loans on the micro, small and medium scale enterprises financial performance in Ota. The population of the study was five (5) micro, small and medium scale enterprises who were customers of Covenant Microfinance Bank.  Regression analysis was used to analyze the two hypotheses. It was found out that microfinance bank’s loans have positive and significant relationship with the financial performance of (MSMEs). It was recommended that microfinance banks should give more loans to (MSME) in order to improve their return on ass

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3

Barguellil, Achouak, and Leila Bettayeb. "The Impact of Microfinance on Economic Development: The Case of Tunisia." International Journal of Economics and Finance 12, no. 4 (2020): 43. http://dx.doi.org/10.5539/ijef.v12n4p43.

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This paper aims to study the impact of microfinance on economic development. We used data from the MIX Market (Microfinance Information Exchange), collected from &ldquo;Enda Tamweel&rdquo; microfinance institution over the period 1995-2017. The VAR estimation shows that microfinance has a negative and significant impact on the ratio of poverty per capita and the GINI index. Granger&#39;s causality test confirms that microfinance contributes more effectively to economic development through its social performance. On the other hand, financial performance gives priority to activities

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4

M., JAYASEELY AND C. SAFFINA. "Impact of Microfinance on Women's Economic Empowerment in Rural Areas of Kancheepuram District." Indian Commerce Association 77, no. 3 (2024): 1–14. https://doi.org/10.5281/zenodo.14355157.

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This study looks into how microfinance in Kancheepuram district, India, affects rural women’s economic empowerment. Using a five-point Likert scale in a structured questionnaire, the study employs a quantitative survey-based research approach to evaluate important markers of economic empowerment. Increases in family income and savings, crisis management skills, less reliance on borrowing money from lenders, carefulness in spending, control over credit and loans, own housing, and appropriate rights in property are some of these signs. The sample is made up of women who were chosen at rand

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Dr, Manoj Kumar Sharma. "Microfinance and Women Empowerment: A Case Study of Rural India." International Journal of Novel Research and Development 1, no. 1 (2016): 46–54. https://doi.org/10.5281/zenodo.14833027.

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This paper explores the role of microfinance in empowering women in rural India, focusing on its impact on economic, social, and personal development. Through an examination of policy interventions, institutional frameworks, and case studies, the research highlights how microfinance initiatives, such as Self-Help Groups (SHGs) and small loans, have facilitated rural women’s access to credit, improved their financial independence, and promoted entrepreneurship. The study also discusses the significant role of government policies like the National Rural Livelihood Mission (NRLM), which has

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6

ICHOU, Radia. "Is microfinancing a way to fight against banking exclusion?" African scientific journal Vol 3, N° 9 (2021): 257. https://doi.org/10.5281/zenodo.5807467.

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<strong>Résumé </strong> Cet article traite de la question de l’impact de la microfinance sur les bénéficiaires qui sont exclus de l’accès aux services bancaires. En se basant sur un échantillon de 515 bénéficiaires marocains et à l’aide de test de khi-deux et de modèle probit, la méthode d’évaluation « avec et sans »  a montré que la microfinance peut participer à l’inclusion financière en offrant des services financiers appropriés et q

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7

Palanivel, P., and D. Sureshkumar. "Self Help Groups and Micro Credit- An Analytical Study with Special Reference to Coimbatore City." Journal of Global Economy 6, no. 1 (2010): 11–15. http://dx.doi.org/10.1956/jge.v6i1.101.

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Microfinance and micro-credit practices have become a popular means of local development. In India, their expansion has been largest in Tamilnadu. These practices target primarily women, who are encouraged to construct self-help-groups in order to have a social basis for raising collateral and for receiving financial services. Microfinance has been perceived by the public as inducing strong positive effects on womenâ€™s empowerment and as strengthening the democratic fibre. From these standpoints, expansion and effects, it has been evaluated and analyzed whether microfinance can empower women

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8

Kelvin, Chenya, and Jared Bitange Bogonko Dr. "Effect of Credit Analysis on Financial Performance of Microfinance Institutions in Eldoret Town, Kenya." American Based Research Journal 7, no. 12 (2018): 47–59. https://doi.org/10.5281/zenodo.3456191.

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<em>Microfinance institutions industry plays a vital role in the economy by giving loans to poor people with the aim of reducing poverty level hence economic growth. A major threat facing microfinance institutions is the increase of Non-Performing Loans (NPL) that leads to the collapse of microfinance institutions. The purpose of this research is to determine the effect of credit analysis on the financial performance of microfinance institutions in Eldoret town, Kenya. The study was founded on the 5C’s model of client appraisal. The target population of the study was 25 licensed microfin

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9

Appiah, Ebenezer, Deborah Darko Ampeah, and Wonder Agbenyo. "Investigating Factors that Influence SME’s Choice of Services Rendered by Microfinance Institutions: Evidence from La-Nkwantanang Municipality in Ghana." International Journal of Economics and Finance 11, no. 2 (2019): 98. http://dx.doi.org/10.5539/ijef.v11n2p98.

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There is a recent wave of collapsing Microfinance Institution&rsquo;s in Ghana which causes SMEs to think critically about the MFI&rsquo;s they choose to bank with. This has given birth to the investigation of factors that influence SMEs choice of services rendered by microfinance institutions in Ghana. The study adopted the descriptive research design. Stratified random sampling technique was used to select the SMEs for this study and data was collected from a sample of 384 using questionnaires and 279 were returned. The study revealed that electronic banking, convenience and security

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10

Tamanna, Aggarwal. "EFFECT OF MICROFINANCE ON ECONOMIC AND RURAL DEVELOPMENT IN INDIA." International Journal of Advance and Applied Research 9, no. 6 (2022): 217–23. https://doi.org/10.5281/zenodo.7069988.

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<strong><em>Abstract: -</em></strong> <em>Microfinance not only a financial system; rather, it is a vehicle for bringing about social change and eradicating poverty in a nation, particularly among women, who are then better able to achieve self-sufficiency. There are now 82 significant microfinance institutions in India that provide modest loans to assist individuals escape poverty. The conceptual underpinning of microfinance organizations in India is described in this essay. The researcher made an effort to identify how microfinance contributed to the growth of the rural areas. Through the ex

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11

Özdemir, Mücahit. "Kitap Tanıtımı : Shari‘a - Compliant Microfinance / S. Nazim Ali." International Journal of Islamic Economics and Finance Studies 2, no. 3 (2016): 201–7. http://dx.doi.org/10.12816/0036636.

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12

Wafula, Jacob, Muli Maingi, and Dennis Bulla. "Effect of Credit Monitoring Practices on Loan Nonperformance among Microfinance Institutions in Nairobi County, Kenya." African Journal of Empirical Research 4, no. 2 (2023): 32–40. https://doi.org/10.5281/zenodo.8117630.

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<em>The Kenyan microfinance industry faces many challenges. Studies point to nonperforming loans as one of the main problems facing microfinance institutions in Kenya, which has led to reduced profitability and institutional collapse in some cases. Noncompliance with credit monitoring and loan policy provisions have been cited as some of the factors leading to increased nonperforming loans. The main objective was to determine the effect of credit monitoring on nonperforming loans among microfinance institutions in Nairobi County. Information Asymmetry theory guided the study. The study’s

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13

C.M., Nagaraju, and Soma shekar N.T. "THE ROLE OF MICROFINANCE IN FINANCIAL INCLUSION IN RURAL INDIA." Shanlax International Journal of Arts, Science and Humanities 6, S2 (2019): 26–30. https://doi.org/10.5281/zenodo.2573037.

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Microfinance has assumed immense importance throughout the world in view of its efficacy in credit dispensation, loan repayment and reduction of poverty. The experiential world over has proved that hassle free and repetitive dose, of credit is the basic need of the poor which has become the hallmark of microfinance. Several countries like Bangladesh, Indonesia, Philippines, Kenya and Bolivia have implemented microfinance programmes with encouraging results. In the Indian context, the microfinance sector has witnessed an unprecedented growth in the last few years, and has firmly established its

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14

Dr., Ogbonna Udochukwu Godfrey. "Impact of Micro Finance Banks on Developing Economies– Evidence from Nigeria." Journal of Economics, Finance and Management Studies 5, no. 04 (2022): 1147–58. https://doi.org/10.5281/zenodo.6479197.

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This research concentrated on impact of micro finance banks on developing economies –evidence from Nigeria. The recent emphasis on micro, small and medium enterprises, and the licensing of microfinance bank in Nigeria viz-a-vis the dwindling economy of developing countries prompted this study. The data for the study was mined from the Central Bank of Nigeria’s statistical bulletin from 1992 to 2020. The E-view tool of analysis, and the Autoregressive Distributed Lag model were used. The research answered a question of whether microfinance banks contribute to economic growth or not.

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15

Singh, Dr Jeet, and Dr. Preeti Yadav. "Micro Finance as a Tool for Financial Inclusion and Reduction of Poverty." Journal of Business Management and Social Sciences Research 1, no. 1 (2012): 1–12. https://doi.org/10.5281/zenodo.14946683.

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Microfinance has assumed immense importance throughout the world in view of its efficacy in credit dispensation, loan repayment and reduction of poverty. The experience world over has proved that hassle free and repetitive dose of credit is the basic need of the poor which has become the hallmark of microfinance. Several countries like Bangladesh, Indonesia, Philippines, Kenya and Bolivia have implemented microfinance programmes with encouraging results. In the Indian context, the microfinance sector has witnessed an unprecedented growth in the last few years, and has firmly established itself

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16

Batinge, Bibiana K., and Hatice Jenkins. "Gender and Poverty Reduction in Ghana: The Role of Microfinance Institutions." International Journal of Economics and Finance 13, no. 8 (2021): 71. http://dx.doi.org/10.5539/ijef.v13n8p71.

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Inequality between men and women is widely acknowledged across many parts of the globe. For example, among paid employees in Ghana, women&rsquo;s average hourly earnings were around 67% of men. The disparity in earnings perpetuates poverty. Access to financial resources is widely regarded as crucial machinery to addressing this gender disparity and reducing poverty among women. Microfinance is a conduit to increasing access to finance among poor urban and rural women who usually lack the collateral to access loans from traditional financial institutions. Notwithstanding the vital role micr

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17

Karugu, Kahihu Peter, Wachira D. Muturi, and Stephen M. A. Muathe. "Market Risks, Firms’ Size and Financial Performance: Reality or Illusion in Microfinance Institutions in Kenya." International Journal of Economics and Finance 12, no. 11 (2020): 118. http://dx.doi.org/10.5539/ijef.v12n11p118.

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The purpose of the study was to investigate on Market risk, Firms&rsquo; size and financial performance, Reality or illusion in microfinance institution. The study employed positivism philosophy and used explanatory non&ndash;experimental research designs. The targeted population was all the thirteen registered Deposit Taking microfinance institutions in Kenya and census approach was used. The study used secondary data which was collected from MFIs annual audited financial reports for the period between 2014 and 2018 using data collection instruments. The study was anchored on two theo

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18

AKANGA, REUBEN Johnson1, Armand Depesquidoux FOSSI, and KANA Valery Verges DONGMO. "Group Borrowing : Microfinance-Tontine Sustainable Co-Existence. Case Of Cameroon." Journal of Economics, Finance And Management Studies 4, no. 11 (2021): 2345–55. https://doi.org/10.47191/jefms/v4-i11-28.

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This paper uses a case study approach to examine the role of group account in Microfinance institutions on tontine's survival. The research investigates on the origin of funds deposited in group accounts, and its importance to group members. The collection of respondents’ perceptions will contribution to promote digital-group account – accessible both on apps and handset – for the group’s benefit. We interviewed ten participants coming from the critical stakeholders of rural finance in the community of Balessing in the west region of Cameroon. We performed a textual

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19

Salifu, Issahaku. "The Influence of Geographical Coverage on the Microfinance Sustainability and Outreach in Northern Ghana." International Journal of Economics and Finance 12, no. 2 (2010): 82. http://dx.doi.org/10.5539/ijef.v12n2p82.

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The study examined for statistically significant relationship between geographical coverage of microfinance institutions and sustainability and outreach from the view point of managers and operational staff in northern Ghana. Structured questionnaire was used in collecting data. The questionnaire was administered to a sample of 181 managers and operational staff of 18 microfinance institutions. The study used primary data. In selecting the respondents for this research paper, purposive and convenient sampling techniques were employed. The questionnaire was personally administered by the resear

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Prof, (Dr.) J.K. Tandon, and Nidhi Sharma Ms. "A Pragmatic Analysis of SHG Federations in Rajasthan." International Journal of Human Resource & Industrial Research 4, no. 5 (2017): 08–14. https://doi.org/10.5281/zenodo.10701912.

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<strong>Abstract</strong> The progress under microfinance sector in India has registered a remarkable growth in the past three decades covering more than 77 lakh SHGs and around 9 crore households of which 2.5 lakh SHGs have been promoted in Rajasthan. Microfinance in Rajasthan has also undergone a sea change in the past few years in terms of credit dispensation, financial inclusion and other services to the rural poor. The major stakeholders in Microfinance sector in Rajasthan comprises NABARD, RAJEEVIKA, Directorate of Women Empowerment, ICDS, NGOs and MFIs. The paper highlights the basic fe

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21

Vivek, Kumar Tripathi, and Kumar Tripathi Vineet. "The Systematic Literature Review and Researches on Development of Microfinance Industry in India: A Study." American Based Research Journal 3, no. 5 (2014): 01–09. https://doi.org/10.5281/zenodo.3413066.

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<em>Microfinance is the array of financial services, including loans, savings and insurance, available to Poor entrepreneurs and small business owners who have no collateral and would not otherwise qualify for a standard bank loan. Recent proliferation of microfinance market has swiftly increased the competition in microfinance Indian market, new technology and new devices are emerging at phenomal speed. As the number of microfinance application is increasing at daily rate, quality is becoming major issue. So microfinance system organization need some quality model as guideline to improve and

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22

Setiawan, Achdiar Redy, and Murni Yusoff. "Islamic Village Development Management: A Systematic Literature Review." Jurnal Ekonomi Syariah Teori dan Terapan 9, no. 4 (2022): 467–81. http://dx.doi.org/10.20473/vol9iss20224pp467-481.

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ABSTRAK Pengelolaan pembangunan desa islami adalah konsep pembangunan desa yang memiliki karakteristik tercapainya tujuan pembangunan sosial ekonomi yang berdimensi holistik, seimbang antara aspek material dan spiritual. Penelitian ini bertujuan untuk mengkaji pembahasan kajian-kajian terdahulu secara sistematis tentang konsep dan praktik pengelolaan pembangunan desa dalam perspektif islam. Dalam rangka melakukan review publikasi artikel secara sistematis, riset ini menggunakan standar protokol RAMESES. Hasil penelitian ini terbagi menjadi dua tema utama, yaitu peran dan fungsi lembaga keuanga

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23

Dr., Chandrashekhar R., and V. Kavya. "Microfinance: Paving Pathways to Sustainable Development." International Journal of Humanities Education 13, no. 1 (2025): 876–88. https://doi.org/10.5281/zenodo.15239897.

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The objective of the present study was to analyse the status of microfinance in India, with a specific focus on Self-Help Groups (SHGs), by gathering secondary data from government reports. Utilizing descriptive statistics, the study examined key performance indicators such as average savings, loan disbursements, and outstanding loans across various banking institutions, including commercial banks, regional rural banks (RRBs), and cooperative banks during the fiscal year 2022-23. Key findings revealed significant trends, such as growth in SHG savings and loans disbursed, with notable increases

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Dr., Chandrashekhar R., and V. Kavya. "Microfinance: Paving Pathways to Sustainable Development." International Journal of Humanities Education 13, no. 1 (2025): 876–88. https://doi.org/10.5281/zenodo.15239819.

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The objective of the present study was to analyse the status of microfinance in India, with a specific focus on Self-Help Groups (SHGs), by gathering secondary data from government reports. Utilizing descriptive statistics, the study examined key performance indicators such as average savings, loan disbursements, and outstanding loans across various banking institutions, including commercial banks, regional rural banks (RRBs), and cooperative banks during the fiscal year 2022-23. Key findings revealed significant trends, such as growth in SHG savings and loans disbursed, with notable increases

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25

Alao, Esther Monisola. "The Intermediatory Role of Microfinancing: Creating Sustainability and Enhancing Agripreneurship in Developing Countries." Journal of Business Management and Accounting 8, no. 2 (2018): 99–113. http://dx.doi.org/10.32890/jbma2018.8.2.8808.

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With GDP growth rate of 8.99% agriculture, contributes 24% to the Nationâ€™s GDP while the entrepreneurial sector contributes 47%, improving the economic base through agri-preneurship is achievable. The study thus examines, â€˜the intermediatory role of Microfinancing, creating sustainability and enhancing agri-preneurship in developing countriesâ€™ through a descriptive survey, with questionnaire administered to 80 purposively selected long-time microfinance banks from 2 geo-political zones. Findings indicated that microfinance banks are closer to the grassroot, yet its financial inclusion do

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Kavya, V. Dr. Bindu Jindal. "Microfinance: Paving Pathways to Sustainable Development." International Journal of Humanities Education 13, no. 1 (2025): 876–88. https://doi.org/10.5281/zenodo.15239567.

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The objective of the present study was to analyse the status of microfinance in India, with a specific focus on Self-Help Groups (SHGs), by gathering secondary data from government reports. Utilizing descriptive statistics, the study examined key performance indicators such as average savings, loan disbursements, and outstanding loans across various banking institutions, including commercial banks, regional rural banks (RRBs), and cooperative banks during the fiscal year 2022-23. Key findings revealed significant trends, such as growth in SHG savings and loans dis

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27

Jumpah, Emmanuel Tetteh, Yaw Osei-Asare, and Emmanuel Kodjo Tetteh. "Do farmer and credit specific characteristics matter in microfinance programmes’ participation? Evidence from smallholder farmers in Ada west and east districts." Agricultural Finance Review 79, no. 3 (2019): 353–70. http://dx.doi.org/10.1108/afr-05-2018-0044.

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Purpose Users of smallholder farmer microfinance are able to make enough returns to repay credits advanced to them. However, they are in dire need of financial capital such that they are inconsiderate of farmer- and credit-specific characteristics when participating in a microfinance programme. This study analyses perceptions of stakeholders regarding select farmer and credit characteristics within the microfinance industry. The study identifies and analyses the factors that influence participation in a microfinance programme by farmers using the logistic regression model. The purpose of this

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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

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Kanga, Mahazarin, Juhi Bansal, Siddharth Verma, and Ishani Bandaranayake. "The Equity and Efficiency of Microfinance." Deakin Papers on International Business Economics 3, no. 1 (2010): 11–17. http://dx.doi.org/10.21153/dpibe2010vol3no1art188.

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Banks are for people with money rather than for people without money. However, microfinance is banking for the unbankables. It brings credit, loan, savings and other essential financial services within the reach of millions of people who are too poor to be served by regular banks, i.e. almost 60-90% of the global population. It is one of the most intriguing features of financial economics today. In the aftermath of the 2006 Nobel Peace Prize being awarded to the Bangladeshi, Mohammed Yunus, who is a champion of the cause for microcredit, the common presumption has been that microfinance create

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Md Nazim Uddin, Hamdino Hamdan, Nor Azizan Che Embi, Salina Kassim, and Norma Bt Md Saad. "Job Satisfaction of Female Employees in Microfinance Institutions of Bangladesh." International Journal of Entrepreneurial Research 3, no. 1 (2020): 1–7. http://dx.doi.org/10.31580/ijer.v3i1.925.

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The purpose of this study is to examine the level of female employee satisfaction regarding their job of microfinance institutions in Bangladesh. Moreover, it focuses on the various factors that influence female employee job satisfaction of microfinance institutions. The study utilised quantitative research methods and used Herzbergâ€™s motivation-hygiene theory (19590. A total of 24 structured questionnaires with five dimensions have been given to 100 female respondents of selected microfinance institutions in Bangladesh. The findings reveal that some variables (performance-based salary incre

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ETIFIT, PAUL ASUKWO, and JOHN POLYCARP EKPE. "ACCOUNTING INFORMATION AND MANAGERS' INVESTMENT DECISION MAKING IN MICROFINANCE BANKS IN AKWA IBOM STATE." International Journal of Education and Science Development (IJESD) 1, no. 2 (2022): 66–79. https://doi.org/10.5281/zenodo.6924260.

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The study sought to determine the influence of accounting information on managers’ investment decision-making in microfinance banks in Akwa Ibom State. Three specific objectives, three research questions and three hypotheses were formulated to guide the study. The hypotheses were tested at 0.05 level of significance. A survey design was adopted for the study. The population of the study consisted of 345 managers from 69 branches of 18 microfinance banks. The 345 managers from the 69 branches of 18 microfinance banks were purposively used because it was manageable size. Out of 345 manager

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Mourad, BAOCHI, and LAHRACH Rahhal. "Contribution of islamic microfinance in financing social entrepreneurship: A review of the literature." African Scientific Journal Vol 3, N° 7 (2021): 047. https://doi.org/10.5281/zenodo.5651835.

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<strong>Résumé </strong> L’entrepreneuriat social est considéré comme étant une initiative privée visant l’intérêt collectif, adoptant une approche entrepreneuriale pour satisfaire des objectifs économiques et sociaux, sans chercher un profit maximal, et dans une logique de respect de l’éthique et des croyances. Cela coïncide avec les principaux objectifs de l’Islam. Ainsi, l’entrepreneuriat social et la microfinance islamique, en tant que composante de l’écosystème de la

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Mozumdar, L., KS Farid, and PK Sarma. "Relevance of social capital in womens business performance in Bangladesh." Journal of the Bangladesh Agricultural University 15, no. 1 (2017): 87–94. http://dx.doi.org/10.3329/jbau.v15i1.33533.

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Social capital has been projected as a key resource in entrepreneurial success. While the association between successful business activity by rural women and their ability in building social capital is often seen as a pathway of poverty reduction, a thorough understanding of the relevance of social capital in womens business performance could have crucial insights into ways for alleviating rural poverty in developing countries. Nonetheless, the relevance of social capital in womens business performance has hardly studied in the specific context of Bangladesh. The present review is undertaken

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AWO, S. Jean-Marie, and Nouroudine OLLABODE. "Evaluation du crédit de SIAN'SON microfinance sur l'efficacité économique des producteurs de maïs au nord Bénin." International Journal of Accounting, Finance, Auditing, Management and Economics 3, no. 4-3 (2022): 315–26. https://doi.org/10.5281/zenodo.7026583.

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Le niveau de pauvreté et la précarité alimentaire des pays en développement sont assez critiques et sont dus à l’insuffisance d’investissement dans l’agriculture et le faible accès au Crédit Agricole. L’objectif de cette étude est d’évaluer l’effet du crédit SIAN’SON Microfinance sur l’efficacité  économique des producteurs du maïs des départements du Borgou et de l’Alibori.  Pour y parvenir une enquête socio-économique aup

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Beatrice, Njeru Warue. "Factors Affecting Loan Delinquency in Microfinance Institutions in Kenya." International Journal of Management Sciences and Business Research 1, no. 12 (2012): 01–22. https://doi.org/10.5281/zenodo.3402031.

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The main goal of every microfinance institution (MFI) is to operate profitably in order to maintain its stability and improve growth and sustainability. However, existence of high levels of loan delinquency problem in microfinance industry negatively affect the level of private investment and constrain the scope of microfinance institution credit to borrowers as MFIs have to compensate for loan delinquency losses. The success of individual MFIs in credit risk management is largely reflected in the proportion of delinquency’s loans to gross lending. External and internal economic environm

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Yadav, Rajesh K. "Significance of Microfinance Institutions in Rural Development of India." International Letters of Social and Humanistic Sciences 21 (February 2014): 84–90. http://dx.doi.org/10.18052/www.scipress.com/ilshs.21.84.

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Micro finance is to supply micro credit to people living in utter poverty and has no reach to the conservative and formal financial products. It is an aid to engage them in productive activities and grow their tiny businesses. Micro finance focused on availing the credit in a standard manner. Micro financial schemes plays vital role in increasing women‟s participation in economic activities and decision making. In this research paper an effort is made to investigate the role of microfinance in rural development especially through Micro financial schemes. This study is an empirical study which

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Dr., IDRIS HUSSAYN Dr. Grace Dafiel and Abdullahi L. B. Bamalli. "An Appraisal of Women Targeted Microfinance in Nigeria: A Review of the Activities of Yamdu Multipurpose Cooperative Society in Ankpa Kogi State." International Journal of Business Management and Technology 2, no. 2 (2023): 23–30. https://doi.org/10.5281/zenodo.7646398.

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v: Both social capital and microfinance are central to mainstream development interventions, and both are predicated on the need to recognize the importance of social factors in development. Microfinance institutions mobilize social capital in the form of a group guarantee, and aim to support the development of sustainable financial institutions and income generation. Women are targeted in part because of the effectiveness of their social capital as collateral. However, although social capital is assumed to support development and income generation, the precise dynamics involved in this are ra

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Mayang, M. N., R. Mugiira, and M. Patrick. "Influencing Factors and Sustainability of Women Groups' Income Generating Projects in Rumbek, South Sudan." International Journal of Social and Development Concerns 17, Post COVID-19 Recovery and Sustainable development (2023): 178–87. https://doi.org/10.5281/zenodo.8355057.

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<em>This article delves into a comprehensive analysis of the factors that influence the sustainability of women's income-generating projects in Rumbek, South Sudan, building upon the insights derived from the study. Anchored in the Empowerment Theory and the Theory of Change, the study adopts a descriptive research design; blending qualitative and quantitative data collection methods. The study adopted stratified and purposive sampling techniques to select a sample of 108 participants drawn from women groups’ income-generating projects, complemented by insights from 28 key informants

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Shashwat, Chandel. "Microfinance After 2010 (A Sociological Study)." International Journal of Advance and Applied Research 10, no. 3 (2023): 99–102. https://doi.org/10.5281/zenodo.7583254.

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For the empowerment of women in a developing country like India, it is necessary to make them financially empowered. Thus the role of microfinance institutions becomes important in this regard. These institutions are working with a special philosophical thinking .Women are the backbone of the family and understand the use of credit very well. These institutions provide financial assistance to these women in the form of microfinance, so that women start self-employment and use it in the promotion of pre-run business. Of course, an entrepreneurial attitude is developed in the form of reward and

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Mushkalamzai, Ziaulrahman, Matiullah Taeb, and Mohammad Wasim Hanif. "Islamic Microfinance: Integrative Studies of Textual and Contextual of Qardul Hasn in Afghanistan." HIKMATUNA: Journal for Integrative Islamic Studies 5, no. 2 (2019): 218–30. http://dx.doi.org/10.28918/hikmatuna.v5i2.2177.

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Abstract  Qardul Hasan is considering the most important tradition of microfinance loan in Islamic Sharia. Allah and Prophet Mohammad insist upon giving the Qardul Hasan in several verses and Hadiths. In the past few years, numerous Muslims developing countries have practiced an interesting phenomenon to build the countryâ€™s economy through Islamic Microfinance for empowerment of small communities. Therefore, it is supposed to be an important to investigate and provide much needed social service to the poor effectively. The Qardul Hasan eligible beneficiary will be considered and may ca

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Soliu, Hamzat. "Integrating theory and empirical data: Microfinance, Poverty and Islam in Nigeria." Lapai Journal of Economics 5, no. 2 (2021): 70–81. https://doi.org/10.5281/zenodo.6349209.

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Abstract Nigerian Muslims have lived without adequate legal and regulatory provisions for microfinance institutions that are specifically targeted at their peculiar needs. Islam forbids usury (i.e. interest) and majority of poor Muslims in Nigeria avoid both conventional commercial and microfinance banks mainly to abide by the dictates of their religion (Islam). Southerners live closer to the hub of country’s financial sector and do not exclude themselves from it like the Northerners. Meanwhile, the literature is replete with lots of evidence in favour of finance for growth and finance f

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Shahbaz, Tariq, and Ur Rahman Awan Zeeshan. "A Business Process Analysis of Islamic Microfinance: Value Maximization and Social Capital Development in Pakistan." International Journal of Management Sciences and Business Research 7, no. 8 (2018): 54–61. https://doi.org/10.5281/zenodo.3484461.

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This paper explains the analysis of the business process of a successful and second largest in term of geographical coverage Islamic Microfinance program in Pakistan. The program is scientifically designed to facilitate the poor’s through monetary benefits and social capital development. Monetary benefits include financial support and social capital development by sensitizing or mobilize the community to undertake their developmental activities by themselves. The paper focuses on the practices, approaches, mechanism, model, strategies, mode of financing, geographic coverage, and targeted

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Sonam, Sonam, Inamur Rahaman, and Abhishek Kumar Singh. "FINANCIAL INCLUSION THROUGH MICROFINANCE IN INDIA: AN OVERVIEW." International Journal of Innovations & Research Analysis 04, no. 03(I) (2024): 97–102. http://dx.doi.org/10.62823/ijira/4.3(i).6836.

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Microfinance means providing financial assistance in the form of small savings, loans etc. to the socially and economically backward sections of the society. Under this, financial services are provided to the deprived people on affordable terms. The concept of microfinance works to fulfill the goal of empowering the people by removing the disparities in the society as a result of natural or man-made factors like caste, religion etc. The pioneer of this concept is Professor Mohd. Yusuf of Bangladesh, who experimented in the direction of micro finance in 1970’s and brought out its positive impac

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Moses, Banda, Ngatia Peter, Gichira Robert, and Gitari Ndururi Joseph. "Cultural Entrepreneurship as a Driver of Financial Performance in Kenya's Regulated Microfinance Sector." European Journal of Management, Economics and Business 2, no. 2 (2025): 170–81. https://doi.org/10.59324/ejmeb.2025.2(2).16.

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Microfinance institutions (MFIs) in Kenya have played a crucial role in providing financial services to underserved populations. They have contributed to poverty alleviation and economic development. However, as the microfinance sector evolved, MFIs faced increasing pressure to address sustainable entrepreneurship considerations in their operations. The integration of sustainable entrepreneurship presents both opportunities and challenges for MFIs, as they aim to balance financial and social sustainability with social impact. Therefore, understanding the relationship between cultural entrepren

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R.Venkatesh. "A STUDY ON THE PERFORMANCE OF MICRO FINANCE WITH RESPECT TO SELF HELP GROUPS IN KARNATAKA." Shanlax International Journal of Arts, Science and Humanities 6, S2 (2019): 154–59. https://doi.org/10.5281/zenodo.2573709.

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<em>Micro-Finance is emerging as a powerful instrument for poverty alleviation in the new economy. In India, Micro-Finance is dominated by Self Help Groups (SHGs) - Banks linkage Programme, aimed at providing a cost effective mechanism for providing financial services to the ‘unreached poor’. In the Indian context terms like “small and marginal farmers”, “rural artisans” and “economically weaker sections” have been used to broadly define micro-finance customers. Research has shown that, over time, microfinance customers increase their income and

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Pawan, Kalyani. "A Change in Indian Banking System, Turning Microfinance Entities, NBFC and Telecoms into Small Finance Banks and Payment Banks in India: a Study to Understand the Impact of these New Financial Inclusions on Indian Banking and Associated Sectors." Journal of Management Engineering and Information Technology 5, no. 3 (2018): 18–25. https://doi.org/10.5281/zenodo.1302421.

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Microfinance, or micro-credit, typically comprises very small-sized loans of about $100 extended to an individual or a group of individuals, which are called self-help groups (SHGs). Borrowers are generally from the weaker sections of society. The Reserve Bank of India (RBI), the country’s central bank, has urged banks to opt for the SHG model to lend to over 30 million small and micro units, to ensure they have easy access to funds. The Indian microfinance industry comprises NGOs, trusts or societies working on a not-for-profit model, and even bigger players – like Spandana, SKS,

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Harelimana, Jean Bosco. "The Impact of Information Communication and Technology Utilization on the Financial Performance of Microfinance Institutions in Rwanda Case Study: Reseau Interdiocesain De Microfinance (Rim) Ltd, Rwanda (2011 -2015)." Management and Organizational Studies 4, no. 2 (2017): 13. http://dx.doi.org/10.5430/mos.v4n2p13.

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The study analyzed the impact of ICT utilization on the financial performance of microfinance institutions inRwanda with case study of Réseau Interdiocesain de microfinance (RIM) Ltd undertaken within 5 years (2011-2015). The study adopted the use of descriptive survey using both qualitative and quantitative methods for a totalsample size of 132. Purporsive and simple random simpling was used for this purpose. Primary and Secondary datawere collected and thene analyzed using SPSS version 16.00. The study found that ICT has been introduced and usedabout 5 years and above. The study found that I

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Malik, Shahzad Shabbir. "Threshold of Micro – Financing in Morocco." American Based Research Journal 5, no. 3 (2016): 12–25. https://doi.org/10.5281/zenodo.3441710.

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<em>This study examines the historical portfolio of Micro – Finance in Morocco. The microfinance sector in Morocco relies on continued support from its Government through the legal framework. Their aim was to improve access for low-income micro entrepreneurs to financial services and help them to broaden their businesses, raise their income and increase employment. Moreover it was intended to strengthen the capacities of local associations to grant microcredit services. The ideal of microfinance was conceived as a process that seeks sustainability of its actions and synergy with all the

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Dr., Vandana Sethi. "Evaluating the Impact of Microfinance on Household Welfare: An Empirical Study in Delhi." International Journal of Engineering and Management Research 14, no. 4 (2024): 63–69. https://doi.org/10.5281/zenodo.13340470.

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Microfinance institutions, through the availability of credit to low-income households, create opportunities for self-employment, facilitate the expansion of existing businesses, and positively impact their welfare levels. Many researchers support the view that access to microfinance loans considerably increases household consumption expenditure, while others argue that it has minimal or no impact on average household consumption levels. An attempt has been made in the present paper to study the impact of microfinance on the welfare of households in the context of MFIs in Delhi. The welfare is

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Binita, Nanda. "Empowering Women through Microfinance- Boon to the Economy." International Research Journal of Management and Commerce 4, no. 11 (2017): 189–95. https://doi.org/10.5281/zenodo.3924233.

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Under the drop down theory in the planning method it was expected that women will be equally benefitted along with men. However, this has been belied by the actual development. In India, the problem of women workers in unorganized sectors aggravated from bad to worse with the emergence of liberalization and globalization in early 1990’s. This is because; most of the women who were engaged in various self- employed activities have lost their livelihood. Also, their contribution in the agriculture sector is considered as just an extension of the household domain.

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