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Project Mba
Project Mba
India is facing many socio and economic problems. One of the major
problems is abject poverty. As per Suresh D. Tendulkar Committee
Report, about 22 percent of the total people in India are under below
poverty line under minimum recall period status. With low per capita
income, heavy population pressure, prevalence of massive unemployment
and underemployment, low rate of capital formation, misdistribution
of wealth and assets, prevalence of low technology and poor economics
and instability of output of agriculture production and related
sectors are some of the symptoms of it. The poor stays poor, not
because they are lazy, but because they have no access to capital.
Microfinance is the supply of loans, savings, and other basic
financial services to the poor. As these financial services usually
involve small amounts of money - small loans, small savings, etc. -
the term “micro finance” helps to differentiate these services from
those which formal banks provide. Microfinance refers to small
savings, credit and insurance services extended to socially and
economically disadvantaged segments of society. It is emerging as a
powerful tool for poverty alleviation and women empowerment in India.
During 2016-17, the demand for microcredit has been estimated at up
to $30 billion; the supply is less than $2.2 billion combined by all
involved in the sector. Due to the sheer size of the population
living in poverty, India is strategically significant in the global
efforts to alleviate poverty and to achieve the Millennium
Development Goal of halving the world’s poverty by 2015. Over the
last five decades, the microfinance industry has achieved significant
growth in part due to the participation of commercial banks. Despite
this growth, the poverty situation in India continues to be
challenging. A large number of small loans are needed to serve the
poor, but lenders prefer dealing with large loans in small numbers to
minimize administration costs. They also look for collateral with a
clear title - which many low-income households do not have. In
addition, bankers tend to consider low income households a bad risk
imposing exceedingly high information monitoring costs on operation.
This leads to the need and importance of microfinance. Women as micro
and small entrepreneurs have increasingly become the key target group
for micro finance programs. Consequently, providing access to micro
finance facilities is not only considered a pre- condition for
poverty alleviation, but also considered as a strategy for empowering
women. In developing countries like India micro finance is playing an
important role, promoting gender equality, and is helping in
empowering women so that they can live quality life with dignity.
Microfinance has improved the wellbeing of women clients and their
families. Microfinance has a positive effect on the empowerment of
women by creating an “empowerment indicator”. These indicators can
be based on the following factors: • Mobility and Economic security-
enables poor women in making them economic agents of change by
increasing their income and productivity. • Ability to make small and
large purchases. • Involvement in major household decisions. •
Relative freedom from domination within the family. Political and
legal awareness. • Involvement in political campaigning and protests
and to access to markets and information. They become more confident
and get better control of the resources.
SELF HELP GROUPS
(he comprehensive statement of problem can be thus started
a s 8 2 E 9 : 3E9P %/O6P2 I& !6(3OO( :I& ;O/P< In 2indhanur city.
1.+ O)ECTIES O( THE STUD:
). (o study the need and importance of microcredit of
e c o n o m i c a l l y disadvantage population.5. (o study the role =
importance of microfinance institutions in offering micro financing of
economically wea#er section of the society.>. (o study the functions and
services offered by microfinancial institutionsin Indian financial
mar#et.? . ( o s t u d y t h e r o l e o f % o v e r n m e n t i n p r o m o t
i o n o f m i c r o f i n a n c e institutions.@. (o #now the opinion of
beneficiaries of self help groups.. (o study rules, regulation and wor#ing of
self help groups
1./ SCOPE AND IMPORTANCE O( THE STUD:
G O V E R N M E N
T C O L L E G E
-
S I N D H A N U R
P a g e
4
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