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Título: Microfinance: Redefining the Future
Editorial: Excel Books
Año de publicación: 2008
Condición del libro: New
Edición: First edition.
Microfinance is the extension of small loans to the people who are too poor to qualify for the traditional bank loans, as they have no assets to be offered as guarantee. In India, microfinance has worked largely through self-help groups (SHGs). Predominated by women, these are formed with simple rules save, accumulate and give loans to each other. Globally, it is slowly proving to be one of the most effective strategies to neutralize poverty. The beginning of the millennium has witnessed a transformation in the economies across the developing nations. Microfinance has emerged as an important tool for improving and vitalizing the economy. Microfinance matters a lot in a poor economy as it enhances the self esteem and self confidence of poor households by helping them to realize their dreams; improve, expand and diversify their micro-enterprise; obtain a larger income and consequent higher return on investment; to deposit the excess liquidity in safe and sound investments; to move away from the exploitation of local money lenders and to conduct their business and life with dignity and pride. This book brings out the successful development of microfinance in India as a means for the elimination of poverty, despite the outdated technology used by the SHGs.
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