Women empowerment and micro finance : Case study from Kerala

The subject of micro-finance is considered as significant and emerging trend in the present scenario for the empowerment of women. Micro finance programmes are promoted as an important strategy for women’s empowerment. Micro finance builds mutual trust and confidence between bankers and rural poor to encourage banking in a segment of population where formal financial institutions usually find difficult to reach. The present paper examines the economic impact of micro finance beneficiaries and whether the economic empowerment has resulted in the generation of a set of self reliant women. The Thiruvananthapuram district of Kerala State was selected for the case study. The survey shows about the positive impact of the development programme of Kudumbashree, a micro financial institution in Kerala, India.women empowerment micro finance poverty.

NGOs, Micro-finance and Poverty Alleviation: Experience of the Rural Poor in Pakistan

Non-governmental organisations (NGOs) continue to be the global ‘flavour of the month’ in international development. They are regarded as “outside” actors perceived to work in the interests of the poor, and in the absence of the state, many NGOs have taken on vital role in the provision of basic services to the poor. The institutional and political environment is attuned to privatisation in whatever form it takes. NGOs are another expression of this trend, but in the case of NGOs no real disillusionment phase has yet set in. But still NGOs remain the favoured vehicle for grass-roots involvement and community development in many countries. The present paper seeks to delineate the role of NGOs in micro finance and study their aggregate impact on poverty reduction in rural Pakistan as a result of micro finance efforts. The paper is organised in four sections. Section I commences with the concepts, promises and limitations of NGOs as a vehicle of micro finance. Section II summarises the record of performance of NGOs in Pakistan. In particular, the role, achievements and set-backs of two noted NGOs in Pakistan, Agha Khan Rural Support Programme (AKRSP) and National Rural Support Programme (NRSP). Which are studied by examining aggregate impact of these NGOs on poverty reduction as result of their micro finance efforts. Section III examines the poverty profile and presents summary of the role of NGOs in the context of poverty lending and, finally Section IV concludes the analysis and proposes some policy recommendations.

Assessment of Factors Affecting Default Risk in Project Finance: A Case of Omo Micro Finance, Hawassa Branch

This study assesses factors that Affecting Default Risk in Project Finance: A Case of Omo Micro Finance, Hawassa Branches. Primary data were used in the study. The required data were collected from 338 project finance beneficiaries of Omo Micro Finance institutions and these respondents selected by adopting a simple random sampling technique. Both qualitative and quantitative methods were used. The data collected through questionnaire were analyzed using SPSS software version 20. Descriptive statistics such as frequency and percentage were applied. Furthermore, inferential statistics Chi-square and binary logistic regression were used to identify major factors that affect the default risk.  In addition, the data collected through interview were analyzed qualitatively using narrative for triangulation. The findings of the study show that 57% of borrowers in the study area did not repay the amount of money they borrowed as per credit schedules. The major factors that affect the default risk were sex of the borrower, educational level, family size, advisory visit, time lines of loan, repayment period, borrowing experience and training. The study therefore recommends that the stakeholders in the microfinance sector should ensure that the loan borrowers have access to adequate relevant technical training and follow-up in entrepreneurial microfinance businesses. Keywords: Default risk, Institution, Loan, Omo Micro Finance, Project Finance, DOI: 10.7176/RJFA/11-11-02 Publication date:June 30th 202

Privacy Regulations in the Context of Finance: Comparison Between Developing and Developed Countries

Information security and privacy regulation are significant areas of legislation in the financial and micro-finance sectors in the world. There are significant disparities between the developed and developing countries concerning adoption and application of the data protection laws. The developed world has exemplified its laws in the General Data Protection Regulation (GDPR) clause of the European Union that comes into effect on May 18, 2018. In the US, the main law has been the Gramm-Leach-Bliley Act (GLBA) of the late 1990s. The developing countries, on the other hand, exhibit slow drafting of new finance and micro-finance privacy laws and still use policies of the 1990s. The purpose of the study is, therefore, to examine the effectiveness of privacy and data protection laws in finance and micro-finance sectors in the developed and developing parts of the world in the current technological era. The method of the study is a mixed qualitative and quantitative assessment of case studies of recent literature on the subject. Each case study will feature the variables of the presence of privacy laws and information security regulations, and the level of enforcement of those regulations that inform the statistics. The other variable will be the level of effectiveness of the application of privacy and information security laws in developed and developing nations based on case study outcomes. The results indicate that out of 10 examined cases, six show failures of the laws in developing nations while 1 shows failure in a developed nation (South Korea) and 1, in the US, presents mixed results. The recommendations include the adoption of international laws that govern data security in the financial sector, such as the current GDPR of the European of Union

Toward a process theory of entrepreneurship: revisiting opportunity identification and entrepreneurial actions

This dissertation studies the early development of new ventures and small business and the entrepreneurship process from initial ideas to viable ventures. I unpack the micro-foundations of entrepreneurial actions and new ventures’ investor communications through quality signals to finance their growth path. This dissertation includes two qualitative papers and one quantitative study. The qualitative papers employ an inductive multiple-case approach and include seven medical equipment manufacturers (new ventures) in a nascent market context (the mobile health industry) across six U.S. states and a secondary data analysis to understand the emergence of opportunities and the early development of new ventures. The quantitative research chapter includes 770 IPOs in the manufacturing industries in the U.S. and investigates the legitimation strategies of young ventures to gain resources from targeted resource-holders.Open Acces

Evaluating the Risk Exposure and Challenges of Credit Providers in Microfinance in Ghana (A Case Study: Accra Metropolis, Ghana)

In view of the clear deficiencies in the cited researchers’ findings, there is the need to conduct new research to assess risk exposure of credit providers in micro financing in Ghana using Accra Metropolis, Ghana as a case study. The principal approach used for this analysis was a questionnaire-based survey. 120 workers and managements of Microfinance institutions responded to questionnaires made up of 9 questions. The analysis of the responses from the survey conducted was done using descriptive statistics. The results from the study shows that there is significant relationship between bank performance in terms of profitability and credit risk management in terms of loan servicing performance. The results verify the hypothesis that better credit risk management results in better bank performance. Accra Metropolis, Ghana is a city with challenges in the likes of the springing up of new micro finance and micro finance facilities. The study found that the microfinance institutions surveyed are aware of the types of risk inherent in their business line and use risk management approaches in different ways to reduce losses and increase profitability. Therefore, a more comprehensive assessment of risk exposure of credit providers in micro finance within the Accra Metropolis, which when not done will lead to a further fall in their performance standards as financial service providers. Keywords: Risk Exposure, Credit Providers. Microfinance in Ghana DOI: 10.7176/RJFA/11-16-03 Publication date:August 31st 2020

Attaining Outreach with Sustainability: A Case Study of a Private Micro?Finance Institution in Indonesia

summary Financial and economic deregulation in Indonesia since 1983 has encouraged the growth of micro?finance institutions (MFIs). Combined with sustained economic growth, this has resulted in drastic reductions in poverty. The article analyses the performance of Bank Shinta Daya, a private rural bank in Java, in terms of outreach to the poor and non?poor, financial viability and sustainability, resource mobilisation, and sound (best) micro?finance practices. Bank Shinta Daya combines individual and group?lending technologies. The experience indicates that the latter cover their costs and greatly increase the bank's outreach to the poor as a new market segment, but initially add little to the bank's overall profitability. The case study shows how viability and sustainability can be attained in banking with the poor and the non?poor to conclude that only financially viable institutions can sustainably reach the poor in significant numbers

PENGARUH KUALITAS AKSES MODAL BANK TABUNGAN NASIONAL TERHADAP PENGEMBANGAN USAHA PADA USAHA MIKRO KECIL DAN MENENGAH (STUDI KASUS PADA ANGGOTA KOPERASI INDUSTRI KAYU MEBEL DI JAKARTA TIMUR)

ABSTRACT DERY RESPIANTO The Effect Of The Quality Of Access To Finance Bank Tabungan Nasional On Business Development Of Micro, Small And Medium Enterprises (Case Study On The Wood Furniture Industry Cooperative Member Of The East Jakarta). Skripsi: Faculty of Economics, State University of Jakarta. 2012. This study aims to gain knowledge about the effect of the quality of access to finance for business development of SMEs based on data and facts are eloquent, true and trusted. This research was conducted over four months from the month of April 2012 until June 2012. The method used is survey method with simple regression approach. Population in this study were all members of the Wood Furniture Industry Cooperatives (KIKM), located in the building PPIKM and has borrowed funds from Bank Tabungan Nasional (BTN),there are 34 members. Simple regression equation obtained was Y = 42.64 + 0.3X. Uji requirements analysis to test the normality of the error estimates of regression Y on X shows that the error estimates of regression Y on X is normally distributed. In hypothesis test, meaning test, the results obtained from the calculation is known that the regression is mean and linear. The calculation of the coefficient of determination showed 25.83% variation in Y variables are determined by the variable X. Conclusions in this study is that there is a positive effect of the quality of access to finance Bank Tabungan Nasional on business development of micro, small and medium enterprises (case study on the wood furniture industry cooperative member of the East Jakarta) Keywords: Quality of Access To Finance, Business Development, Members of KIKM, Credit

Women empowerment and micro finance : Case study from Kerala

The subject of micro-finance is considered as significant and emerging trend in the present scenario for the empowerment of women. Micro finance programmes are promoted as an important strategy for women’s empowerment. Micro finance builds mutual trust and confidence between bankers and rural poor to encourage banking in a segment of population where formal financial institutions usually find difficult to reach. The present paper examines the economic impact of micro finance beneficiaries and whether the economic empowerment has resulted in the generation of a set of self reliant women. The Thiruvananthapuram district of Kerala State was selected for the case study. The survey shows about the positive impact of the development programme of Kudumbashree, a micro financial institution in Kerala, India

Women empowerment and micro finance : Case study from Kerala

The subject of micro-finance is considered as significant and emerging trend in the present scenario for the empowerment of women. Micro finance programmes are promoted as an important strategy for women’s empowerment. Micro finance builds mutual trust and confidence between bankers and rural poor to encourage banking in a segment of population where formal financial institutions usually find difficult to reach. The present paper examines the economic impact of micro finance beneficiaries and whether the economic empowerment has resulted in the generation of a set of self reliant women. The Thiruvananthapuram district of Kerala State was selected for the case study. The survey shows about the positive impact of the development programme of Kudumbashree, a micro financial institution in Kerala, India