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Mainstreaming Micro Finance

N. Lalitha (Author)
Synopsis A virtual Micro Finance revolution is taking p0lace in the world of credit. Micro finance has emerged as one of the most effective development Intervention in the global fight against poverty over the past one decade. In India Micro finance through Self Help Groups is considered as a panacea for many of the problems of rural credit markets and a tool for empowerment of women. The book reviews the progress of micro finance operations in India, analyses the benefit share of women in the total credit off take in the study area under conventional lending, examines the credit delivery system, credit utilization and benefit outflow under micro finance programme and suggests measures for the effective operations of micro finance on the basis of the outcome of the study. The findings of the study are presented in the form of SWOT analysis. The book presents a vivid and penetrating analysis of the micro level, highlights the factors which promote/hinder the micro finance activities, and deals with issues which bear on mainstreaming micro finance activities and promotion of sustainable community based financial system. The book also provides necessary background for understanding the problems faced by NGOs as Micro Finance Institutions and presents policy perspectives. The book contains several innovative initiatives taken by the groups, NGOs and banks and demonstrates how the strategic alliance and partnership among the NGO which acts as MFI, people, banks and government departments should emerge if micro finance has to act as safety net under adverse conditions such as drought and to transform the status of women.
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About the author

N. Lalitha

Dr. N. Lalitha holds M.A. degrees in Economics, Women’s studies and Gandhian thought, M.Ed., M.Phil and Ph.D. in Economics. She won Medal for securing first rank in M.A. (Women’s studies) at Mother Teresa Women’s University, Kodaikanal. Presently, Reader in the Faculty of Rural Development, Gandhigram rural Institute (D.U.) Gandhigram, she has presented papers in several International, National and Regional seminars and workshops. A seasoned teacher having nearly one and half decade of professional standing, she is the author of many research papers, articles, monographs and books on a variety of issues relating to empowerment of women, self help groups, micro credit, rural women and Rural Development. She has been involved in development projects with emphasis on alternate credit delivery systems and women’s empowerment. She has undertaken projects on women self help groups, women co-operatives and women in poverty alleviation programmes. She has been guiding scholars working for M.Phil and Ph.D. degree. She is in the network of Non Governmental SHG Federations. She has been involved in developmental projects with emphasis on alternate credit delivery systems. Currently, she is running an Action research project on Self Help Groups and Self Help promoting Institutions funded by CAPART and a research project on Micro credit Intervention and Women Empowerment funded by ICSSR.

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Bibliographic information

Title Mainstreaming Micro Finance
Author N. Lalitha
Format Hardcover
Date published: 01.01.2003
Edition 1st ed.
Publisher Mohit Publications
Language: English
isbn 8174452400
length vi+266p., Tables; Annexures; Bibliography; Index; 23cm.