Micro finance in India
A critical review of SHG - Bank Linkage
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Microfinance (mF) in India started in the early 1980s with small efforts at forming informal self-help groups (SHG) with the main objective of providing access to savings and credit services to the rural poor, who were not allowed to borrow from main stream financial institutions. The success stories of mF are unlimited and it has been demonstrated beyond doubt that such a simple concept has the potential to transform the face of rural finance in India. Despite considerable achievements, the sustainability of the SHGs has become questionable. Competing MFIs tend to target the same set of peopl...
Microfinance (mF) in India started in the early 1980s with small efforts at forming informal self-help groups (SHG) with the main objective of providing access to savings and credit services to the rural poor, who were not allowed to borrow from main stream financial institutions. The success stories of mF are unlimited and it has been demonstrated beyond doubt that such a simple concept has the potential to transform the face of rural finance in India. Despite considerable achievements, the sustainability of the SHGs has become questionable. Competing MFIs tend to target the same set of people, leading to multiple lending and hence repayment defaults. Over commercialization, questions on the premise on which the loans are made, the interest rates being charged by private players in the sector and the means by which the private players demand the repayment of loans from the borrowers and many other such issues plagued the sector. The book aims to trace the journey of a novel concept.
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