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The Microfinance Impact (Hardcover)
Loot Price: R4,620
Discovery Miles 46 200
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The Microfinance Impact (Hardcover)
Series: Routledge Studies in Development Economics
Expected to ship within 12 - 19 working days
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Financial inclusion through microfinance has become a powerful
force in improving the living conditions of poor farmers, rural
non-farm enterprises and other vulnerable groups. In its unique
ability to link the existing extensive network of India's rural
bank branches with the Self Help Groups (SHG), the National Bank of
Agriculture and Rural Development (NABARD) has covered up to 97
million poor households by March 2010 under its Self Help Group
Bank Linkage Programme. Policy-makers have proclaimed SHGs as ''the
most potent initiative ... for delivering financial services to the
poor in a sustainable manner." This book presents a comprehensive
scientific assessment of the impact of the Self Help Group Bank
Linkage Programme (SBLP) on the member households. The book
discusses wide-ranging topics, including the rural financial sector
in India, the history and structure of the SBLP, the impact
methodologies, the economic and social impact of microfinance, its
role in building assets while reducing poverty and vulnerability,
the role of women and their empowerment, training and accumulation
of human capital and policy implications of lessons learned. The
empirical results show that vulnerability of the more mature SHG
members declines significantly. Vulnerability also falls for
villages with better infrastructure and for SHGs that are formed by
NGOs and linked by banks. The results strongly demonstrate that on
average, there is a significant increase in the empowerment of the
female participants. The economic impact of SBLP is found to be the
most empowering. Greater autonomy and changes in social attitudes
also lead to female empowerment. The investigation further reveals
that training (especially business training) has a definite
positive impact on assets but not on income. The impact of training
can be improved through better infrastructure (as in paved roads),
linkage model type, and the training organiser. Bridging the gap in
the existing literature and between academics and practitioners,
this book moves beyond the usual theoretical issues in the impact
assessment literature and draws on new developments in methodology.
It will be of interest to academics, development practitioners and
students of economics, political science, sociology, public policy
and development studies.
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