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Microfinance in India
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Microfinance in India

First Edition
Edited by:
  • K G Karmakar - Managing Director, National Bank for Agriculture and Rural Development (NABARD).

March 2008 | 488 pages | SAGE Publications Pvt. Ltd
Microfinance in India provides an informative and holistic status of microfinance in the country and suggests a road map for the future. A valuable source of information for policy makers, Finance and Management students, and professionals alike, it is a collection of essays by experts from diverse backgrounds on topical themes that capture the complexities of the continuously evolving microfinance sector in India. It covers major microfinance delivery models in an unbiased manner through well-researched articles.

The book provides an overview on microfinance institutions and measures that help promote the same. Among other things, it reflects upon the challenges faced by the dominant credit delivery model, i.e., SHG-Bank Linkage Programme and issues related to the emerging microfinance institutions (MFIs). It also dwells upon innovations in the microfinance sector and the efforts being made to evolve new models such as SHG Federations.

 
Foreword
 
I: MICROFINANCE: AN OVERVIEW
Priya Basu
A Financial System for India`s Poor
K G Karmakar
Microfinance Revisited
 
II: MICROFINANCE INSTITUTIONS (MFIS)
K Muralidhara Rao
MFIs in India: An Overview
Krishan Jindal
Regulatory Framework for MFIs
P Satish
Promoting Linkages between Banks & MFIs
Vijay Mahajan
Sustainability of MFIs
Sukhbir Singh
III: SHG-BANK LINKAGE PROGRAMME: PROGRESS & PROSPECTS
H R Dave
SHGs and Savings Mobilization
Pradeep Kashyap
Livelihood Promotion among SHGs
C S Reddy
Emerging SHG Federations and Challenges
N Srinivasan
Sustainability of SHGs
Thanksy Francis Thekkekara
Impact of SGSY on SHG: Bank Linkages
 
IV: SUCCESSFUL MFI MODELS
Aloysius P Fernandez
Why Sanghamitra is Different?
K Narender
Beyond Microcredit: Building Nested Institutions of Savings and Credit Groups in India - The Kalanjiam Experience
Jayshree Vyas
Banking with Poor Self-employed Women
Jan Meissner, Ramakrishna and Marie Luise Haberberger
Good Practices in SHG Book-keeping: Three Case Studies
A K Padhi
Attaining Outreach and Viability: Case Study of Bandhan
 
V: SUCCESSFUL BANK MODELS
S Manickam
Pandyan Grama Bank SHG Linkage Model
L R Ramachandran
Prathama Bank: Farmers` Club Model
B B Mohanty
Bidar DCCBs-PACS Model
S Santhanam
Chandrapur DCCB-Anganwadi Model: A Case Study
 
VI: INNOVATIONS FOR GROWTH
Niket Kamdar and Puneet Gupta
Role of Technology as a Growth Catalyst in the Microfinance Sector
B S Suran
Leveraging Mutual Guarantees for Gaining Financial Access: Joint Liability Groups as Collateral Substitutes
K G Karmakar and N P Mohapatra
The `Credit Plus` Approach for Tribal Development
K G Karmakar and N P Mohapatra
Innovations in Credit Delivery System
 
Index

The book has a very good collection of essays and articles that analyze the potential of the Indian microfinance industry and examine the approaches for microfinance development in India….It is indeed quite useful for development professionals, evaluators, planners, managers, administrators, researchers and social sector students. It is easy to read and comprehend and is equipped with subject-author index and contains figures, boxes, tables, references and footnotes in the main text which are indicators of a reader affable book.

South Asian Journal of Management

The book is well-organised and possesses a judicious mix of both theoretical content and practical experience of cross-country success stories of development sector…the volume makes a significant contribution to the literature on micro finance. It is very useful to the development practitioners and the academicians involved in the micro credit programme.

Journal of Social and Economic Development

This book is a collection of essays by a range of microfinance experts…The book provides the reader with a comprehensive overview of the challenges faced by various microfinance delivery models and suggests possible  innovations in evolving new credit delivery mechanisms…. this publication has made a valuable contribution to the microfinance literature and comes at a time when India’s microfinance sector is in a state of flux, presenting an abundance of opportunities for investors, policy makers and microfinance professionals alike. The book will be of interest to policy makers, academics and microfinance professionals. It might also be a good introduction for readers who are not familiar with microfinance in an Indian context.

Journal of South Asian Development

This book, edited by the Managing Director of NABARD, Dr Karmakar, is a valuable addition to the growing literature on the subject. Practically all aspects of micro finance business are covered by the authors, where authenticity is quite visible…. This book is a good collection of articles on various dimensions of micro finance, enriched by the collective wisdom of the contributors.

Indian Journal of Agricultural Economics

This book is a collection of 25 papers on different issues related to micro finance in India….the present work should be welcomed as addition to the present range of literature on this very important subject. The editor and his colleagues deserve appreciation.

Journal of Rural Development

[This book] provides an informative and holistic status of microfinance in the country and suggests a road map for the future.

Prabhaat Khabar

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ISBN: 9780761936268
$54.99