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Globally, 1.7 billion people live in poverty and are unable to
access financial services. They do not have physical collateral and
creditors are reluctant to invest in them. Yet in India,
microfinance is being used to reduce poverty, empower women, and
boost development. In Microfinance and Development in Emerging
Economies, Nishi Malhotra argues that the financial services
provided to low-income groups or individuals through microfinance
and group lending outside the traditional financial system are the
best way to combat these problems and address the economic
exclusion that blights so many. Using India as a case study,
Malhotra examines the Indian government’s use of various social
welfare programmes to increase both financial literacy and social
equality and ultimately achieve sustainable development. Suitable
for bankers, teachers, policymakers, and students, this book
clearly identifies the practical and theoretical implications of
this alternative microfinance model.
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