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MICRO-CREDIT AND REPAYMENT RATES: A CASE STUDY OF KUDUMBASHREE MICRO-ENTERPRISE PROGRAMME IN KERALA - 2006
The attempts in India to promote microfinance since early 1990s in India was in the background of growing evidence of i ndebtedness among farmers and and credit starvation to the poor. With the withdrawal of state activism in credit markets in India since 1992, an increasing role was envisaged for...
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| Formato: | Printed Book |
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| Acceso en liña: | http://10.26.1.76/ks/004308.pdf |
| LEADER | 022720000a22001210004500 | ||
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| 100 | |a D. Ajith |a R. Sunil and |a D. Ravi Raman |9 21476 | ||
| 245 | |a MICRO-CREDIT AND REPAYMENT RATES: A CASE STUDY OF KUDUMBASHREE MICRO-ENTERPRISE PROGRAMME IN KERALA - 2006 | ||
| 520 | |a The attempts in India to promote microfinance since early 1990s in India was in the background of growing evidence of i ndebtedness among farmers and and credit starvation to the poor. With the withdrawal of state activism in credit markets in India since 1992, an increasing role was envisaged for private sector in credit dispensation to the poor in the form of mi crofinance under the umbrella of Bank-Self Help Group programme. Although its outreach has increased substantially, the predominant commercial model of microfinance has recentl y encountered hostility of poor borrowers because of their high lending rates and loan shark type behaviour. An alternative to the commercial model of microfinance is the Kudumbashree program initiated in 1998 by the Government of Kerala, in India. Based on a primary survey of households under the kudumbashree in four villages in Kerala in 2006, the study examines the dynamics of high repayment rates. The study found that repayment rates are relatively lower in on-agricultural activities because of the marketing problems (resulting from the creation of non-tradables), while it is relatively successful in the agricultural sector. High repayment rates are found to be propelled by dynamic incentives like prospect of loan renewal. Finally, the study found that borrowers did consider able double-dipping (borrowing from other microfinance programs) and borrowed from non-institutional sources raising their indebtedness. The study found that micro-credit programmes are not a universal success in improving the livelihood of the poor especially in non-agricultural sectors. The study argues for an analytical framework which examines the interaction of labour, credit and product market to understand the livelihood of the poor. | ||
| 650 | |a MICROFINANCE |a GROUP LENDING |a REPAYMENT RATE |9 21477 | ||
| 856 | |u http://10.26.1.76/ks/004308.pdf | ||
| 942 | |c KS | ||
| 999 | |c 73696 |d 73696 | ||
| 952 | |0 0 |1 0 |4 0 |7 0 |9 65660 |a MGUL |b MGUL |d 2015-08-01 |l 0 |r 2015-08-01 |w 2015-08-01 |y KS | ||