Livelihood Promotion: Can the Collectives of NRLM Really Do It?

2021 ◽  
pp. 097300522110008
Author(s):  
H. S. Shylendra
Keyword(s):  
Poverty Alleviation ◽  
Integrated Approach ◽  
Development Programme ◽  
Professional Support ◽  
Role Clarity ◽  
The Poor ◽  
Rural Livelihood ◽  
Poor Women ◽  
Policy Suggestions ◽  
New Generation

As a new generation development programme, the National Rural Livelihood Mission (NRLM) has sought to promote collectives of the poor women as the corner-stone of its strategy for livelihood promotion. The livelihood enhancement is meant to be actualised through a multi-dimensional strategy of livelihood protection and promotion. The paper hypothesised that despite their avowed goal, the collectives of women are bound to face enormous challenges in the livelihood promotion in the absence of an integrated approach more so in the context of neoliberalism. The findings of the paper corroborate the hypothesis to a great extent. Contrary to the theoretical visualisation of institutionalists, collectives of poor have faced challenges in their self-reliant emergence. The intervention has emerged more as a minimalist microfinance with inherent limitations regarding poverty alleviation. The paper concludes that the collectives of NRLM have a long way to go before they can emerge as strong livelihood promoting agencies. Sustained support to build the capacities of the fledging collectives, a reversal of the top–down elements of their multi-tier structure and the strong need for greater role clarity for the collectives along with professional support are some of the policy suggestions.

scholarly journals THEORETICAL ANALYSIS OF MICROFINANCE ON POVERTY ALLEVIATION

2020 ◽  
Vol 7 (3) ◽  
pp. 221-236
Author(s):  
Prasansha Kumari
Keyword(s):  
Small Businesses ◽  
Poverty Alleviation ◽  
Integrated Approach ◽  
Theoretical Background ◽  
Financial Resources ◽  
Joint Liability ◽  
The Poor ◽  
Impact Pathway ◽  
Poverty Lending ◽  
The Impact

The objective of this paper is to investigate theoretical background of microfinance and poverty alleviation. The article consist the two types of theories, which related to microfinance. First types of theories addresses the specific issues the poor have to face when seeking access to formal financial resources, due to the lack of collateral and second types of theories. The second set of theories are based on the impact of microfinance on small businesses, households and individuals. The first category of theories consist Theory relating to Emergence of Microfinance, Concept of Joint Liability Group in Microfinance. Theories of impact pathway of microfinance consist Theory on Shortcomings of Development Finance Strategies, Market and Welfare Theories, Poverty Lending Approach, Financial System Approach and5 Financial Integrated Approach

scholarly journals Why some poor women in Bangladesh do not opt for micro-credit?

2014 ◽  
Vol 11 (2) ◽  
pp. 285-292 ◽  
Author(s):  
MA Khatun ◽  
MA Islam ◽  
S Majumder
Keyword(s):  
Rural Women ◽  
Poverty Alleviation ◽  
Poor People ◽  
High Interest Rate ◽  
Starting Time ◽  
The Poor ◽  
Poor Women ◽  
Poor Families ◽  
Poor Management ◽  
Micro Credit

Despite many positive impacts of micro-credit, some studies found that micro-credits are not reaching the extreme poor. This study is designed to find out the major causes why rural women do not join micro-credit programme. The present study conducted case studies on ten dropped out members, three non-NGO/MFI members and five NGO/MFI officials. The important causes for dropout are high interest rate, poor management of loan money by clients, management of default cases by NGO/MFI officials, starting time of repayments of instalment, improper utilisation of loan money, husband’s unacceptable interference, lack of training to utilise the money and difficulty in getting large amount of loan. On the other hand, worry of failure to repay the instalment, unwillingness to take loan and husband’s opposition are the main reasons for non-membership of micro-credit programmes. Tough membership criteria set by the NGOs/MFIs restricts the access to micro-credit option for many of the poor families. Though some NGOs/MFIs have some programmes to support the ultra poor, the coverage is limited. One important hurdle to overcome is the psychological poverty. There are many poor people who are not motivated to get involved in the process despite many NGOs/MFIs are operating at their doorsteps. Appropriate actions are needed to increase the coverage of the micro-credit programme to fight against poverty. NGOs/MFIs should focus not only on the profit but also on the true achievement in poverty alleviation. DOI: http://dx.doi.org/10.3329/jbau.v11i2.19927 J. Bangladesh Agril. Univ. 11(2): 285-292, 2013

scholarly journals EFFECTIVENESS OF ZAKAT-BASED PROGRAMS ON POVERTY ALLEVIATION AND ECONOMIC EMPOWERMENT OF POOR WOMEN: A CASE STUDY OF BANGLADESH

2016 ◽  
Vol 1 (2) ◽  
pp. 229-258
Author(s):  
Fahami Muhammad Anis ◽  
Salina H. Kassim
Keyword(s):  
Rural Women ◽  
Rural Areas ◽  
Poverty Alleviation ◽  
Equity Capital ◽  
Cash Transfer ◽  
Economic Empowerment ◽  
The Poor ◽  
Poor Women ◽  
Before And After ◽  
Development Approach

Among the many problems facing Bangladesh, poverty remains a key problem affecting millions of lives. During the past few decades, many initiatives have been implemented such as microcredit and cash transfer programs, yet the results seemed to be ambiguous. New frontiers are now sought to find new sources of finance which could offer a more effective and sustainable solution to the root cause of the poverty problem. Considering the idea of entrepreneurship and group-based development approach of microcredit, a zakat-based development approach was initiated in Bangladesh at a private level by an organization called Center for Zakat Management (CZM) for poverty alleviation and sustainable economic empowerment targeting poor women in rural areas. This paper aims to assess the effectiveness of the CZM efforts in utilizing zakat funds for promoting entrepreneurship among poor rural women. Focusing on the case of Bangladesh, this study assesses the effectiveness of zakat on aspects such as income, house hold expense and fixed asset accumulation of the poor client based on the “before and after” approach. Groups comprising of poor individuals and families are given equity capital/seed money and are encouraged to embark on small businesses according to their own liking. The groups are supervised for a period of a minimum of three years to ensure all individuals within the group are able to continue with their activities and ultimately, free themselves from the shackles of poverty and graduate into sustainable livelihood. Results indicate a significant nominal and real increase in average monthly income, increase in fixed assets and an increase in monthly average household expenditure before and after receiving zakat money. Results also demonstrate factors such as age of the entrepreneur, family size, type of business involved and the amount of zakat received to have a strong influence in determining the success of women entrepreneurs. Education level of the entrepreneur, on the other hand, does not seem to have significant impact on the success or failure of the entrepreneur. The findings from this paper shed light on the effectiveness of zakat-based approach in alleviating poverty and ensuring sustainable economic empowerment of the poor rural women.Keywords:  Zakat, Poverty alleviation, Entrepreneurship, BangladeshJEL Classification: I32, L26, Z12

scholarly journals Impact of Microcredit on Rural Poverty Alleviation in the Context of Bangladesh

2019 ◽  
Vol 11 (6) ◽  
pp. 70
Author(s):  
Shakina Sultana Pomi
Keyword(s):  
Rural Areas ◽  
Poverty Alleviation ◽  
Positive Impact ◽  
Rural Poverty ◽  
Living Standard ◽  
Cross Sectional Survey ◽  
The Poor ◽  
Poor Women ◽  
The Impact ◽  
Women Borrowers

Microcredit and poverty alleviation have become the two sides of a coin as the role of microcredit on poverty alleviation is well accepted in the arena of economic development. This study is an attempt to analyse the impact of microcredit on poverty alleviation in the rural areas namely Hathazari, Mirsharai and Sitakunda upazilla (sub-units of district ) of Chittagong district, Bangladesh. A cross sectional survey was conducted on the rural part of these three upazillas. Data have been collected through a well-structured questionnaire from 100 microcredit-recipients/borrowers of Bangladesh Rural Advancement Committee (BRAC) and Association for Social Advancement (ASA) - two giant microcredit providers in Bangladesh and from 50 non-borrowers of the study areas. Respondents were selected randomly. Tabular method was used to describe the data. Hypothetically, the outcomes were found significant resulted from chi-square test (X ² -test) and ANOVA (Analysis of Variance) without an exception for clothing expenditure. The study revealed that microcredit disbursed through BRAC and ASA, plays a dynamic role to reduce poverty in the study areas by income generating activities of the poor women borrowers and by improving their living standard. It is found from the study that microcredit has  positive impact on income, expenditure, condition of dwelling house, education, health and decision making ability of the poor women borrowers who spent at least five years in BRAC and ASA comparing to the non-borrowers.

Women Welfare Measures Implemented During DMK Regime

Think India ◽  
2019 ◽  
Vol 22 (3) ◽  
pp. 772-779
Author(s):  
T.Vinsela Jeev
Keyword(s):  
Police Department ◽  
Small Scale ◽  
Economic Activities ◽  
The Poor ◽  
Small Scale Industry ◽  
Poor Women ◽  
The Government ◽  
Physically Challenged ◽  
Self Help Groups ◽  
School Books

During the DMK regime many welfare schemes for implemented for women especially. This schemes for developments for socio and economic activities for women. The poor women, widows, physically challenged were benefited their schemes. The government allotted lot of sewing machines, Free school books, Midday meal schemes, Small scale Industry, Self help groups, Boating supply for fisher mans and many women teachers were appointed in Elementary school, Middle school, High schools. Women’s were appointed in police Department and also so many schemes for the development of socio and economic condition of the poor women people.

In-cash Transfers: from Passive to Empowered Beneficiaries in the Global South

2021 ◽  
pp. 1-17
Author(s):  
Katarina Pitasse Fragoso
Keyword(s):  
Public Policy ◽  
Poverty Alleviation ◽  
Active Role ◽  
Cash Transfers ◽  
Cash Transfer ◽  
Main Argument ◽  
The Public ◽  
Local Public Services ◽  
The Poor ◽  
Public Policy Decisions

Over the last few years, there has been an increase in discussions advocating in-cash programmes as a way to alleviate poverty. Indeed, this represents a leap forward in comparison to in-kind programmes. However, little progress, at least in developing countries, has been achieved in answering the question of how the state should transfer the means of redressing deprivation to those who are living in poverty. This article addresses this issue by challenging anti-poverty programmes through a social-egalitarian framework. My main argument starts from the perspective that in-cash transfers are a necessary but not sufficient mechanism for poverty alleviation. I acknowledge that cash alone does not guarantee the poor an equally active role in influencing the public-policy decisions that affect their lives. I then suggest a participatory device to complement the cash-transfer proposal in order to give institutional opportunities to the poor to decide, together with practitioners, what should be done at the level of local public services.

scholarly journals Sosyal Yardımlaşma ve Dayanışma Vakıflarından Sosyal Yardım Alan Kadınların Bazı Sosyo-Demografik Özellikleri ile Yoksullukla Bağlantılı Deneyim ve Görüşleri

2021 ◽  
Vol 7 (13) ◽  
pp. 259-282
Author(s):  
Melike YALÇIN
Keyword(s):  
Research Method ◽  
Quantitative Research ◽  
Social Assistance ◽  
Demographic Characteristics ◽  
Adult Women ◽  
Young Adult Women ◽  
Level Of Education ◽  
Face To Face ◽  
The Poor ◽  
Poor Women

With this research, it is aimed to reveal some socio-demographic characteristics, experiences and opinions related to poverty, and power situations of coping with poverty of poor women who receive social assistance from social assistance and solidarity foundations. The quantitative research method was used in the study, and the data were obtained by making face-to-face interviews with women who received social assistance from Ankara province Altındağ, Mamak and Keçiören Social Assistance and Solidarity Foundations and accepted to participate in the study. The poor women participating in the research are young adult women with a low level of education, married, have at least one child, are unemployed and earn their living on social assistance. They define poverty as not being able to meet their needs and state the reason for poverty as unemployment. Participants see social assistance as a strategy to cope with poverty and think that the aid given is not enough to provide for their livelihood. They think that women are affected more by poverty than men, and they define their strengths mostly as being a good mother and wife.

scholarly journals Urban Poverty and Vulnerability: Literature and Perspective

2021 ◽  
Vol 5 (9) ◽  
pp. 12-18
Author(s):  
Shilpa Deo*
Keyword(s):  
Poverty Alleviation ◽  
Task Force ◽  
Urban Poverty ◽  
Research Papers ◽  
The Poor ◽  
Poverty Elimination ◽  
The Government ◽  
Set Up ◽  
The Needy ◽  
Measurement Of Poverty

The Government of India has been taking various steps towards identification of the poor (and vulnerable through the Socio Economic Caste Census) and measurement of poverty with the help of various Expert Groups right from the Task Force that was set up in 1962 to the Task Force on Poverty Elimination of the NITI Aayog. There have been many researchers as well who have been suggesting the ways in which the poor and vulnerable can be identified and poverty can be measured besides the suggestions given by the Expert Groups. However, it may be considered as a ‘national shame’ if we are unable to identify the needy even after 75 years of independence. Through the review of around 100 books, research papers and articles, an attempt has been to understand the strengths and shortcomings of suggested ways to identify the poor and vulnerable and suggest a comprehensive methodology to identify the needy. Unless we are able to identify the poor and vulnerable sections of society correctly, planning and implementing poverty alleviation programmes for “ending poverty in all its forms everywhere”1 would be a futile exercise!

scholarly journals Sakofa: Evaluating Zakat Microfinance Program

2018 ◽  
Vol 2 (3) ◽  
Author(s):  
Rakhmawati
Keyword(s):  
Poverty Alleviation ◽  
Primary Data ◽  
Economic Empowerment ◽  
Poverty Index ◽  
Benefit Evaluation ◽  
The Poor ◽  
Microfinance Institution ◽  
Saving Behavior ◽  
Empowerment Program

Zakat microfinance (ZMF) is an alternative to the limitation of zakat institution and microfinance institution in empowerment program. To make sure the zakat microfinance is on the track and to boost its performance and its benefit, evaluation is needed. This study aims to do an operational evaluation of productive zakat program formed in the micro-economic empowerment program named Sakofa (Madrasah Ekonomi Dhuafa/ School for Economics of the Poor) of Dompet Dhuafa Yogyakarta. Primary data were gathered from Sakofa beneficiaries in Sleman, Bantul, and Gunung Kidul. The findings show that all monetary aspects are better after running the program. Using ADePT software, headcount index, poverty gap, poverty severity, Watts index, and the average time taken to exit poverty are lower after doing the program. Altruism and saving behavior are better after Sakofa Program is implemented. Unfortunately, mustahiq were lack of discipline and desire to be independent. The effectiveness of counseling material on religiosity is the lowest. In short, Sakofa Program has a good performance in improving their prosperity. Keywords: productive zakat, zakat microfinance, poverty alleviation, empowerment, poverty index

scholarly journals Partisipasi Masyarakat Terhadap Upaya Pengentasan Kemiskinan Berbasis Pemberdayaan Perempuan Melalui Program P3EL Kabupaten Sidoarjo

2016 ◽  
Vol 3 (1) ◽  
pp. 83
Author(s):  
Effy Wardati Maryam ◽  
Ririn Dewanti Dian Samudera Indriani
Keyword(s):  
Poverty Alleviation ◽  
Poverty Reduction ◽  
Secondary Data ◽  
Technical Skills ◽  
Health Condition ◽  
Data Sources ◽  
Primary Data ◽  
Poor Women ◽  
Secondary Data Sources ◽  
Pregnant Mothers

Women are the group most severely affected by poverty, especially in case of food insecurity. As a result of these conditions, pregnant mothers could malnutrition that can potentially give birth in poor mental or health condition. Poverty reduction is not merely the issue of capital and technical skills, but also how to evoke the feeling of being able to overcome problems of their lives in a dignified manner. Empowerment of poor women do in order to find the effort that poor women can actively participate in any activities for poverty alleviation. This study aims to assess community participation, particularly of women to poverty alleviation efforts based on empowerment. This research was descriptive-exploratory using primary data sources from interviews and secondary data sources of written documents on the implementation of the Programme P3EL in Sidoarjo. Subjects were members P3EL program in 2012 and the BPMPKB (particularly the PUE) as the implementing program. The results showed that the model of participation of members to poverty alleviation efforts based on the empowerment of women through P3EL program were in the form of energy, thoughts, and cooperation. While the participation factors underlying were egoism motivation and collectivism. 

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