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Microfinance :a step towards women empowerment

The document discusses microfinance as a strategy for poverty alleviation and women's empowerment. Microfinance involves providing small loans, savings opportunities, and insurance to poor and low-income individuals without collateral. It focuses on empowering women through self-help groups that provide access to credit and financial services. Microfinance helps rural women start small businesses and builds their confidence by providing an alternative to moneylenders. While it allows rural women to save and participate in the economy, there are also threats like women becoming unpaid debt collectors; however, these can be overcome through self-governance and portfolio diversification.

Economy & Finance◦
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Microfinance : A step towards Women Empowerment Submitted To: Dr.(Mrs.) Vishakha Bansal Submitted By: Ms. Nishu Kanwar Bhati
Microfinance “Microfinance” is often defined as financial services for poor and low-income clients offered by different types of service providers. Microfinance is a key strategy for poverty alleviation and women’s empowerment, and for these government officials, donors and NGO’s link directly with micro finance. 9/20/2013 2Nishu. HECM
Features of Microfinance Loan are given without security Loans to those people who live BPL (Below Poverty Line) Every members of SHG enjoy Micro Finance Maximum limit of loan under micro finance ₨25,000/- The terms and conditions given to poor people are decided by NGOs Micro Finance is different from Micro Credit- under Micro Credit, small amount of loans given to the borrower but under Micro Finance besides loans many other financial services are provided such as Savings A/c, Insurance etc 9/20/2013 Nishu. HECM 3
Microfinance Institutions Microfinance institutions are nongovernmental organization committed to offer microcredit and only take back small amount of savings from their own borrowers, not from the general public.( Blaine S, Hind T (2006)) 9/20/2013 4Nishu. HECM
Service Providers 9/20/2013 5Nishu. HECM
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Importance for rural women empowerment Their access to credit is vital for their effective participation in economic development . Given women the confidence to undertake activities requiring a lot of capital. 9/20/2013 7Nishu. HECM
Alternatives to moneylenders and with opportunities to build or expand household enterprises. Micro-credit programme works through NGOs/ SHGs . 9/20/2013 8Nishu. HECM
Impact on rural women empowerment 9/20/2013 9Nishu. HECM
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Advantages Enables the rural poor to save. Liberation from the clutches of moneylenders. Better health and education. Loans for production purposes . Active role in social, political and economic issues effecting self. 9/20/2013 11Nishu. HECM
Threats Slow saving mobilization due to systematic problems. Emphases on savings linked to credit. Rural women sometimes becomes unpaid debt collectors . Some time women have to be ‘secret savers’. 9/20/2013 12Nishu. HECM
Overcoming threats Assimilation Self Governess Port folio diversification Micro savings 9/20/2013 13Nishu. HECM
Government schemes NABARD SIDBI In the field of agriculture . In the field of Industry, Service and Business (ISB). 9/20/2013 14Nishu. HECM
Conclusion Through the mean of microfinance women’s access to credit has increased their self reliance and productivity, as well as demonstrating their potential; all which has had a very positive multiplier effect on the family and the local community. 9/20/2013 15Nishu. HECM
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