Micro Finance and Micro Credit in Principle and in Practice: Some Issues

The present study was an attempt to determine the factors affecting the livelihood of the socioeconomic improvement of migrants and to analyze the causes of rural-urban migration in slum areas. Slum areas have no available formal education facilities and slum people were found to be engaged in rickshaw pulling, day labourer, petty business, small job services etc. Analysis showed that migration and taking in micro credit were beneficial for the slum dwellers. Receiving and utilizing micro credit income level, consumption, expenditure and socio-economic status of the slum dwellers improved to some extent. Due to participation of slum dwellers in NGOs, their economic, social and decision making improved substantially. Credit disbursement through NGOs with integrated approach could bring positive changes in the life of poor slum women as well as their community. Findings showed that Fifty six per cent people migrated to Dhaka city for economic reason. Factors of migration had a significant contribution of rural urban migration and also significant livelihood improvement has taken place due to micro credit. At the individual level, the women were benefited in terms of mobility and skill, self confidence, widening of interests, access to financial services, build own savings, competence in public affairs and status at home and in the community that lead a better awareness for enhancing women's empowerment. However, there is a need for proper training for sustainable result in the long run. Keywords: Migration; Livelihood; Micro credit DOI: 10.3329/jbau.v7i2.4750 J. Bangladesh Agril. Univ. 7(2): 373-380, 2009

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Micro credit, transaction of farmland management right and diversification of disaster risk in agricultural villages in china

2007 IEEE International Conference on Systems, Man and Cybernetics ◽

10.1109/icsmc.2007.4414211 ◽

2007 ◽

Author(s):

Muneta Yokomatsu ◽

Wei-Bin Yu ◽

Norio Okada

Keyword(s):

Disaster Risk ◽

Micro Credit

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SOCIO-ECONOMIC EMPOWERMENT OF WOMEN THROUGH MICRO CREDIT: AN EMPIRICAL STUDY

10.36106/ijar/0313846 ◽

2021 ◽

pp. 58-60

Author(s):

T. Indumathi ◽

G. Savaraiah

Keyword(s):

Rural Women ◽

Poverty Reduction ◽

Rural Poverty ◽

Poverty Line ◽

Economic Empowerment ◽

Political Empowerment ◽

The Poor ◽

The Government ◽

The Impact ◽

Micro Credit

The World Bank's Andhra Pradesh Rural Poverty Reduction Project supports the self helf groups of the women members. It promotes women's social, economic, legal and political empowerment to reduce poverty among the poor and the poorest of the poor. The important object of this article is to examine the impact of micronance on the socio economic empowerment of the rural women supported by the national reputed NGO- Rashtriya Seva Samithi (RASS). 184 women members of the SHGs promoted by Rasthriya Seva Samathi (RASS) an NGO which located in Tirupati town. 184 samples are selected randomly from 15 SHGs scattered throughout the Tirupati rural mandal (Taluk) from the area of the study have been considered to conduct the present research study. The study reveals that 87.71 percent of the sample women were below the poverty line before joining the SHGs. As a result of SHG, about 40 percent of the sample women crossed the poverty line. The highest intensive value indicates that more women have participated in social agitations for the welfare of the children and the society. The second highest intensity reveals that considerable numbers of women of SHGs have participated in the government sponsored schemes. The 1st point secured 3rd rank with total intensity value of 605 which status that the micro credit has resulted in increased social status and empowerment.

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Community Mobilization in Micro Credit as a Tool of Women Empowerment

Research Nepal Journal of Development Studies ◽

10.3126/rnjds.v4i1.38037 ◽

2021 ◽

Vol 4 (1) ◽

pp. 60-70

Author(s):

Nirmal Bhandari

Keyword(s):

Participant Observation ◽

Community Mobilization ◽

Self Esteem ◽

Economic Empowerment ◽

Women Empowerment ◽

Main Argument ◽

Credit Programs ◽

Local Ngo ◽

Micro Credit

This article is about community mobilization in microcredit as a tool of women empowerment. It argues that women empowerment is a process and community mobilization is a tool for women empowerment process through micro-credit programs. This article is based on the views of selected key informants’ information through participant observation and a case study at Mahadevsthan Village in Dhading. Three local NGO managers and their three beneficiaries were conveniently selected for the sampling purpose. The main argument of the article shows that most of the females who received microcredit finally got socio-economic empowerment through acquiring access to capital, control over resources, self-esteem, confidence, decision-making power.

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