An Overview of Sustainable Development through Micro Finance: A Study of Self Help Group – Bank Linkage Program in Central Region of India.

Micro finance is playing an important role in India for socio-economic development of those citizens who are economically and socially backward. Micro – finance have become a vital tool for promoting financial inclusion in the country. In India, as per 2011-12 censuses, 21.9% population was below poverty line. Self Help Group – Bank Linkage Program has been continuously working since its inception for alleviating poverty in the country. Self Help Group- Bank Linkage Program was started as a pilot project by National Bank for Agriculture & Rural Development (NABARD) in the year 1992. NABARD was established in the country in the year 1982 and since its establishment, it has been continuously working in analyzing most suitable financial policies, loan disbursement methods and other allied services for promoting financial inclusion in the country. The program had been proved an important channel for smooth operation of micro-finance in the country and a yard stick for measuring growth and development of socio- economic conditions of deprived and poor people. As a pilot project, NABARD aimed to finance 500 Self Help Groups in February 1992. It has shown a tremendous growth and reached to landmark increment in number of Self Help Groups which were 55.77 lakhs as on 31-03- 2020. The present study aims to find out the growth of micro finance through SHG- Bank Linkage Program by National Bank for Rural Development in Central Region of India during a decade period ending financial year 2020. The study would analyze the Savings of SHGs’ with Banks, Bank Loans disbursed to SHG’s and Bank Loan outstanding against SHGs’ during above mentioned period.

Case Study for Stroke: National Stroke Data Linkage Program

IntroductionStroke is a leading cause of death and disability. Since 2012, our innovative national data linkage program, has enabled the successful linkage of data from the Australian Stroke Clinical Registry (AuSCR) with national and state-based datasets to investigate the continuum of stroke care and associated outcomes. Objectives and ApproachUsing stroke as a case study, in this symposium we will describe the use of linked data to undertake clinical and economic evaluations and contribute new knowledge for policy and practice. We have undertaken a range of iterative and innovative projects linking the AuSCR (used now in >80 public hospitals across Australia with follow-up survey of patients between 90-180 days) with various administrative datasets. Linkages with the National Death Index, inpatient admissions and emergency presentations, Pharmaceutical Benefits Scheme (PBS), Medicare Benefits Schedule (MBS), Aged Care services; Ambulance Victoria, Australian Rehabilitation Outcomes Centre and general practice network datasets (POLAR) have been achieved. ResultsThe symposium will provide case studies and results from four data linkage projects involving the AuSCR: 1) Stroke123 (NHMRC: #1034415), a study to investigate the impact of quality of acute care on admission/emergency presentations and survival; 2) PRECISE (NHMRC:#1141848), a study to evaluate models of primary care involving linkages with PBS/MBS, aged care services and admissions/emergency data; 3) AMBULANCE: a study to investigate how pre-hospital care affects acute stroke care involving linkages with the ambulance and admissions/emergency datasets; and 4) POLAR: a study to understand the long-term management of stroke involving linkages with primary health data. Conclusion / ImplicationsThe National Stroke Data Linkage Program has been visionary and remains highly contemporary in the field of linked data. A unique feature of this program is the active participation of clinicians and policy-makers to ensure the evidence generated have direct benefits for accelerating change in practice and informing policy.

Strategi Optimalisasi Pembiayaan Mudharabah Pada Bank Syariah

Islamic banks provide mudharabah financing to foster the business. This service is offered to various scale of business, encompassing smaller or larger ones. However, the amount of mudaraba financing is less prevalent than the murabaha financing, in which the latter aimed for consumptive purpose. This paper aims to determine the constraints of Islamic banks in promoting mudarabah and optimizing it as one of the means to proliferate individual financial independence through owning a business. The study uses a field research which is descriptive qualitative in nature. The findings are corroborated using SWOT analysis to discover internal and external factors related to Mudharabah. Primary data are obtained interviews with related parties in Islamic banks. Secondary data is also utilized and obtained through literature studies. The results show that the strategy established by Islamic banks in optimizing mudharabah financing by implementing the linkage program. Islamic banks cooperate with BPRS and Cooperatives using mudharabah contracts, then BPRS and Cooperatives distribute the fund to the public in, improving the economc activities.

Linkage Program of Islamic Institutions and Government Institution for Empowering MSMEs: Evidence from Indonesia

<p>The purpose of this study is to analyze how the linkage program of Islamic institutions and government institution in empowering MSMEs and analyze the increase in the range of empowerment. By using a qualitative research approach and descriptive analysis method, the results of this study indicate that there are four parties involved in the empowerment linkage program and each party has their respective roles in the aim of empowering MSMEs. Furthermore, there is also increasing in the range of empowerment in terms of the amount of empowerment program funding and improving the quality of MSME after participating in the empowerment program.</p>

Kendala Perbankan Dalam Meningkatkan Kapasitas Koperasi Melalui Pola Joint Financing

This paper aims to develop a joint financing method between banks and cooperatives in which cooperatives in globalization look increasingly lagging behind due to unfinished capital problems and a system that is still traditional at a time of increasingly modern world developments. Therefore, the government made regulations to overcome this problem by creating a Linkage Program. The problem is focused on the cooperative relationship at the Joint financing stage as one of the models of the Linkage program, between South Bandung Farmers Cooperatives with BPR Bandung Kidul. There are various problems in achieving fair and legal cooperation. The method used in this research is normative juridical analysis with descriptive analytical writing methods. This study concludes that the obstacles that hamper the Joint financing relationship, one of which is the ownership of majority shares by cooperatives that can harm the principle of prudence and good corporate governance of the bank. Secondly, in the joint financing relationship between cooperatives and banks in practice no agreements were carried out which could result in business interference by both parties.