Housing Microfinance: A Study on Quality, Cost and Default Rate with Respect to ‘Bhavanashree’ in Kerala

Worldwide, housing micro finance (HMF) is fast gaining acceptance as an effective tool for solving the ever growing housing problem. In India too, the ‘real housing problem’ or the housing problem of the poorcould be addressed using the tremendous potential of HMF. As high as 99.84 percent of the to...

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Bibliographic Details
Main Author: Manoj P K
Format: Printed Book
Published: International Research Journal of Finance and Economics 2015
Online Access:http://10.26.1.76/ks/004952.pdf
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100 |a Manoj P K  |9 22061 
245 |a Housing Microfinance: A Study on Quality, Cost and Default Rate with Respect to ‘Bhavanashree’ in Kerala 
260 |b International Research Journal of Finance and Economics  |c 2015 
300 |b Issue 139 September, 2015 
520 |a Worldwide, housing micro finance (HMF) is fast gaining acceptance as an effective tool for solving the ever growing housing problem. In India too, the ‘real housing problem’ or the housing problem of the poorcould be addressed using the tremendous potential of HMF. As high as 99.84 percent of the total housing shortage in India relates to the poor viz. those in the Economically Weaker Section (EWS) and Low Income Group (LIG) segments. In spite of the vast potential of HMF in solving the ‘real housing problem’, it is yet to pick up momentum in India. In this context, this paper looks into the aspects like quality, transaction costs, and default rate of HMF loans, based on the feedback from the bankers of ‘Bhavanashree’ (BS)– theHMF initiative of the poverty alleviation programmeof the Government of Keralacalled ‘Kudumbashree’ (KS). Accordingly, the paper makes suggestions for more meaningful HMF administration. 
856 |u http://10.26.1.76/ks/004952.pdf 
942 |c KS 
999 |c 75278  |d 75278 
952 |0 0  |1 0  |4 0  |7 0  |9 67261  |a MGUL  |b MGUL  |d 2015-11-13  |l 0  |r 2015-11-13  |w 2015-11-13  |y KS 

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