scholarly journals MICRO FINANCE AND WOMEN EMPOWERMENT - THEIR SPACE AND OPPORTUNITY FOR POVERTY REDUCTION IN NEPAL

2021 ◽  
Author(s):  
Meena Karna
Keyword(s):  
Women Workers ◽  
Financial Services ◽  
Poverty Reduction ◽  
Banking Sector ◽  
Substantial Contribution ◽  
Women Empowerment ◽  
Rapid Progress ◽  
Effective Mechanism ◽  
Self Employment ◽  
Self Help

In Nepal, the emergence of liberalization and globalization in early 1990‘s aggravated the problem of women workers in unorganized sectors from bad to worse as most of the women who were engaged in various self-employment activities have lost their livelihood. Despite in substantial contribution of women to both household and national economy, their work is considered just an extension of household domain and remains non-monetized. In Nepal, Microfinancescene is dominated by banking sector for providing loan as an effective mechanism for providing financial services to the ―Unreached Poor‖, and also in strengthening their collective self-help capacities leading to their empowerment. Rapid progress in the Microfinancesector now has turned into an empowerment movement among women across the country. Microfinanceis necessary to overcome exploitation, create confidence for economic self-reliance of the rural poor, particularly among women.

Analyzing the Role of Micro-Entrepreneurship and Self-Help Groups (SHGs) in Women Empowerment and Development

2022 ◽  
pp. 213-226
Author(s):  
Veer P. Gangwar ◽  
Shad Ahmad Khan
Keyword(s):  
Structural Equation ◽  
Poverty Reduction ◽  
Recent Decade ◽  
Well Being ◽  
Equation Modeling ◽  
Women Empowerment ◽  
Self Help ◽  
Bottom Of Pyramid ◽  
Self Help Groups

In India, societal development is a cynosure, and thus, it is not a truism but a reality. Women's entrepreneurship emerging through self-help groups (SHGs) contributes to the economic well-being, sustainability, and in poverty reduction. The growth of SHGs is evidence in itself. In the recent decade, micro enterprises and SHGs have come up as prominent solutions to the entrepreneurial crisis existing in the country, and their role in empowering women and their development needs to studied. This study uses a descriptive statistic, reliability, and correlation analysis through SPSS and structural equation modeling (SEM) as an analytical tool to explore linkages between empowerment effected by SHG and micro-entrepreneurship. The research study results show that the contributory role of women entrepreneurs to the society is considerably worth appreciation. The causal relationship has also surfaced demonstrating the connection between women empowerment and development brought about by SHG and micro-entrepreneurship from a bottom-of-pyramid perspective.

scholarly journals MICROFINANCE AND SOCIO-CULTURAL AND FAMILIAL EMPOWERMENT: A STUDY WITH SPECIAL REFERENCE TO WOMEN PARTICIPANTS OF SELFHELP GROUPS IN DELHI AND HARYANA

2021 ◽  
pp. 51-53
Author(s):  
Aarti Dhanrajani ◽  
Sanjiv Mittal
Keyword(s):  
Financial Services ◽  
Easy Access ◽  
Special Role ◽  
Women Empowerment ◽  
Program Participation ◽  
Loan Portfolio ◽  
Access To Credit ◽  
Self Help ◽  
Self Help Groups ◽  
Familial Context

Microfinance provides access to financial services to the underprivileged people, specifically women. The sector is currently having a total loan portfolio worth 1.785 trillion according to the SIDBI Microfinance Pulse Report 2019.With respect to women empowerment, microfinance plays a special role by providing the women easy access to credit through which they get the confidence in starting their own businesses and become independent. Women empowerment is multi-dimensional in nature and comprises of economic,socio-economic and skill empowerment.The present paper attempts to find out if microfinance program through Self-Help Groups (SHGs) is effective in empowering women in socio-cultural and familial context. The study was conducted through a questionnaire involving 500 respondents from SHGs of Delhi and Haryana. It was found that there is significant relation between the microfinance program participation duration and the socio-cultural and familial empowerment. The study found evidence that microfinance program along with providing financial assistance to the women participants aid in empowering the women in socio-cultural and familial domain.

scholarly journals Dimensions of Women Empowerment Through Microfinance

2021 ◽  
Vol 5 (9) ◽  
pp. 41-43
Author(s):  
Rejoice Solomon* ◽  
Ranu Sharma
Keyword(s):  
Rural Women ◽  
Financial Services ◽  
Crucial Role ◽  
Poverty Alleviation ◽  
Women Empowerment ◽  
Microfinance Institutions ◽  
Self Help ◽  
Economic Background ◽  
The Needy ◽  
Self Help Group

Microfinance institutions’ plays a crucial role for the upliftment of rural women. Women are the key of a nation development. So in order to attain the development of a nation there is need to empower the women of our nation. Microfinance institutions have always seen as a tool of poverty alleviation as they provide the facility of financial services to the needy and the weaker section of the society without any collateral security. And it proved itself as a tool of poverty alleviation. Thus it also a vaccine for women empowerment. Empowerment of women can be done with the help of Self-Help-Group. Where 10-12 women form a group with same socio-economic background and they were trained, educated so they may uplift their family, their society and ultimately the nation as whole. The objective of this paper is to understand the different dimension of women empowerment with the help of microfinance. And from the study it was seen women should be psychologically, economically and Socially Empowered and it all comes with the help of microfinance. And microfinance proved that it a vaccine for the empowerment of women.

scholarly journals Self Help Groups and Women empowerment: Appraisal of Drang Block in Mandi District of HP

2017 ◽  
Vol 13 (01) ◽  
Author(s):  
Uttam Singh
Keyword(s):  
Economic Status ◽  
Women Empowerment ◽  
Enabling Factors ◽  
Self Employment ◽  
Self Help ◽  
Participation Of Women ◽  
Economical Aspect ◽  
And Performance ◽  
The Right ◽  
Self Help Groups

The self Help Group (SHG) movement in India has worked in the right path to fulfil the aim of empowering women and eradicating poverty in the rural area. The participation of women in SHG made an important impact on their empowerment both in social and economical aspect. However, women are still not empowered as per the expectation. The present study is conducted in Drang block of district Mandi in Himachal Pradesh. The study is trying to look at the role and performance of SHGs in women empowerment, how SHG impacting on the socio-economic status and their decision-making power in family and community also. The data collected from primary sources. A cluster and random sampling method used to for identification of area and respondent. Closed format questionnaire used for the interview. The percentage tool is used to check the result. The study concludes with an observation that financial autonomy, and participation in community-driven program, self-employment autonomy are only enabling factors to women empowerment.

scholarly journals Role of Mother’s Group on Women Empowerment: A Case Study of Godawari Municipality, Lalitpur

2021 ◽  
Vol 18 (01) ◽  
pp. 57-60
Author(s):  
Susmita Gautam
Keyword(s):  
Rural Women ◽  
Vital Role ◽  
Employment Protection ◽  
Women Empowerment ◽  
Self Awareness ◽  
Development Programs ◽  
Self Employment ◽  
Self Help ◽  
Awareness Programs ◽  
Self Help Groups

Mother’s Group is one of the basic groups for women empowerment. It has been functioning for women’s empowerment and social development. Mothers group has managed many skill development programs, income generating programs, literacy programs etc which helped them to make independent. Mother’s group, self-help groups (SHG) and community-based organizations (CBO) play a vital role towards women empowerment by providing vocational trainings, training for self-employment, protection for women and self-awareness programs. Thus, they are mainly concerned with the upliftment of the women in the society. Empowerment of women has been a topic discussed at length in recent times and many strategies have been implemented to address enhance women’s condition. This paper seeks to explore some measure that should be adopted in order to position rural women as equal players in entrepreneurship and economic development. This paper discusses upon the empowerment of rural women by means of self-help group or mother’s group and the advantages of such groups among the rural women.

Entrepreneurial Training for Unemployed Adults: Challenges and Opportunities in Accessing Financial Services in South Africa

2016 ◽  
Vol 24 (04) ◽  
pp. 453-480 ◽  
Author(s):  
Celestin Mayombe
Keyword(s):  
South Africa ◽  
Financial Services ◽  
Poverty Reduction ◽  
Security Requirements ◽  
Self Employment ◽  
Start Up ◽  
Challenges And Opportunities ◽  
Entrepreneurial Training ◽  
Training Programmes ◽  
Training Delivery

Entrepreneurship training programmes and self-employment initiatives for unemployed adults has become a new frontier for poverty reduction in South Africa. This article investigates the types of challenges graduates encounter and opportunities in accessing financial services in order to start-up and grow an own micro-enterprise in South Africa. The main findings reveal that micro-finance institutions are keen to grant loans and credits to graduates from entrepreneurial training centres. However, graduates are not eligible for credits because they fail to meet the security requirements of the lending banks due to their socio-economic situations. The author concludes that if centre managers do not involve micro-finance institutions prior to the training delivery and transition stages of the entrepreneurial training programmes, graduates will continue finding it difficult to access financial services and enter self-employment after obtaining the required entrepreneurship skills.

scholarly journals Effect of Self Employment on Poverty Reduction in Nalgonda and Warangal District of Telangana

2016 ◽  
Vol 2 (4) ◽  
Author(s):  
K. Jayasree
Keyword(s):  
Poverty Reduction ◽  
Simple Random Sampling ◽  
Poverty Line ◽  
Positive Sign ◽  
Active Involvement ◽  
Self Employment ◽  
Self Help ◽  
Rural Livelihood ◽  
Self Help Groups ◽  
Nalgonda District

Economic growth is essential for poverty reduction. The paper evaluates the percentage decline of poor impact on Nalgonda and Warangal districts. The paper evaluates the National Rural Livelihood Mission in Nalgonda and Warangal Districts of Telangana. These two districts are selected as the Simple Random Sampling method was used to select 100 women beneficiaries (swarojgaris/ self-employment seekers) from each district. The swarojgaris who are also Members of grassroot SHGs, were interviewed to collect information on employment and income in particular. The success of Self Help Groups in Nalgonda and Warangal districts is active involvement in the NRLM programme. Andhra Pradesh in 2009-10 was Rs. 693.00 per month. Using the poverty line of AP, poverty ratios were calculated for the three study districts. The percentage of Beneficiaries households, who had crossed the poverty line after enrolment into NRLM, was estimated by using per capita per month poverty line of Rs.433.43 (before joining NRLM) for 2004-05 in the State. In Nalgonda district Before Joining NRLM, 98 percent of Beneficiaries were poor in Nalgonda district. After joining NRLM the 63 percent Beneficiaries became non-poor which means that still 37 percent of sample households continued to be in utter poverty in Nalgonda district. The details are shown in Table XI. Before Joining NRLM, 100 percent of Beneficiaries were poor in Warangal district. After joining NRLM the 57 percent Beneficiaries became non-poor which means that still 43 percent of sample households continued to be in utter poverty in Warangal district. Both district poverty has declined it is a positive sign.

Microfinance

2019 ◽  
pp. 23-51 ◽  
Author(s):  
Rajib Bhattacharyya
Keyword(s):  
Financial Services ◽  
Women Empowerment ◽  
Integrated Network ◽  
Self Help ◽  
Rural And Urban ◽  
Positive Growth ◽  
The World ◽  
Urban India ◽  
Self Help Groups

In India, microfinance, dominated by Self Help Groups (SHGs), has provided an effective mechanism for providing financial services to the “unreached poor”, and also in strengthening underprivileged and discriminated women in the society and thus significantly contributing to gender equality and women empowerment. The present chapter attempts to analyze the concept of women empowerment and its various indices such as GDI, GEM, and Women's Empowerment Index (WEI) in detail for India. The chapter explores the linkage between the role of microfinance and the empowerment of women in rural and urban India. The study reveals that though micro finance is supposed to provide an effective tool for financial and social upliftment of the poorer sections of the society, particularly women, but its penetration depends on a multifaceted and integrated network and so both the self-help bank model and the MFI model may have achieved some positive growth, but their performances are not quite deterministic when compared with other countries of the world.

scholarly journals Financial inclusion and poverty reduction in Nigeria: A survey-based analysis

2021 ◽  
Vol 7 (3) ◽  
pp. 075-084
Author(s):  
Emeka Eze ◽  
Justin.C. Alugbuo
Keyword(s):  
Financial Services ◽  
Poverty Reduction ◽  
Financial Inclusion ◽  
Income Quintile ◽  
Variable Model ◽  
Explanatory Variables ◽  
Dummy Variable ◽  
Self Employment ◽  
Using Data ◽  
Government Transfers

Financial inclusion's impact on poverty and economic development has remained a focus of researchers and policymakers for years, owing to its function in facilitating access to financial services, which act as a stimulus for general economic growth and development. The purpose of this study is to determine the effect of financial inclusion on poverty reduction in Nigeria. We estimated two models using data from the World Bank's 2017 Global Findex survey for Nigeria: a Logit model and an Instrumental variable model. The dependent variable was a dummy variable labeled "poor," which was set to 1 if the individual's "within economy income quintile" was in the bottom 40%, and 0 otherwise. The explanatory variables include, financial inclusion index constructed by the author, age of respondents, educational level of respondents, gender, employment status, wage, government transfers, pension, savings, and self-employment. The study established that financial inclusion reduces household poverty in Nigeria even after controlling for endogeneity in the explanatory variables.

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