Preview

microfinance in india

Powerful Essays
Open Document
Open Document
7503 Words
Grammar
Grammar
Plagiarism
Plagiarism
Writing
Writing
Score
Score
microfinance in india
WOMEN 'S EMPOWERMENT IN INDIA
Introduction
Women’s empowerment in India is heavily dependent on many different variables that include geographical location (urban/rural), educational status, social status (caste and class), and age. Policies on women’s empowerment exist at the national, state, and local (Panchayat) levels in many sectors, including health, education, economic opportunities, gender-based violence, and political participation. However, there are significant gaps between policy advancements and actual practice at the community level.
One key factor for the gap in implementation of laws and policies to address discrimination, economic disadvantages, and violence against women at the community level is the largely patriarchal structure that governs the community and households in much of India. As such, women and girls have restricted mobility, access to education, access to health facilities, and lower decision-making power, and experience higher rates of violence. Political participation is also hindered at the Panchayat (local governing bodies) level and at the state and national levels, despite existing reservations for women.
The impact of the patriarchal structure can be seen in rural and urban India, although women’s empowerment in rural India is much less visible than in urban areas. This is of particular concern, since much of India is rural despite the high rate of urbanization and expansion of cities. Rural women, as opposed to women in urban settings, face inequality at much higher rates, and in all spheres of life. Urban women and, in particular, urban educated women enjoy relatively higher access to economic opportunities, health and education, and experience less domestic violence. Women (both urban and rural) who have some level of education have higher decision- making power in the household and the community. Furthermore, the level of women’s education also has a direct implication on maternal mortality rates, and



References: Chen .1997. Cited in Linda Mayoux, Gender and empowerment concepts, September 2005, available at http://www.genfinance.info/Documents/GenderConcepts.pdf. Cheston, and Lisa Kuhn.2002. Empowering women through microfinance, Publication sponsored by UNIFEM, available at www.microcreditsummit .org/papers/+ 5cheston_kuhn.pdf Ghate ,Prabhu. 2008. Micro finance in India – A state of the sector report (2007). New Delhi: Sage publications. Johnson, Susan .2004. The impact of microfinance institutions in local financial markets: a case study from Kenya, Journal of International Development, Kabeer, Naila.2005. Is microfinance a magic bullet for women empowerment? Analysis of South Asia, Economic and Political Weekly, 40(44), 4709-4718. K. Rajendran and R.P. Raya (2010) Impact of Micro Finance - An empirical Study on the Attitude of SHG Leaders in Vellore District (Tamil Nadu, India). ‘Global Journal of Finance and Management’- ISSN 0975 - 6477 Volume 2, Number 1, pp. 59-68, http://www.ripublication.com/gjfm/gjfmv2n1_5.pdf. Pitt, M. Mark, Shahidur R. Khandker and Jennifer Cartwright. 2006. Empowering women with micro finance: Evidence from Bangladesh, Economic Development and Cultural Change Ranjula Bali Swaina and Fan Yang Wallentin (September 2009) Does microfinance empower women Evidence from self-help groups in India, ‘International Review of Applied Economics’ Vol23,No.5, , 541– 556,http://pdfserve.informaworld.com/595379_758077589_913075296.pdf. Shylendra, H. S. 1999. Micro-finance and Self-Help Groups (SHGs): A study of the experience of two leading NGOs, SEWA and AKRSP in Gujarat (India), Research paper No. 16. IRMA.

You May Also Find These Documents Helpful

  • Good Essays

    Annotated Bibliography

    • 1770 Words
    • 8 Pages

    Boston: Harvard University Press http://www.hup.harvard.edu/catalog/SENPOP.html Since the mid-1980s, the term empowerment has become popular in the development field, especially with reference to women. However, there is confusion as to what the term means among development actors. This paper analyses the concept of women’s empowerment and outlines empowerment strategies based on insights gained through a study of grassroots programmes in South Asia. The concept of women’s empowerment is the outcome of important critiques generated by the women’s movement, particularly by ’third world’ feminists. They clearly state that women’s empowerment requires the challenging of patriarchal power relations that result in women having less control over material assets and intellectual resources.…

    • 1770 Words
    • 8 Pages
    Good Essays
  • Good Essays

    "Governance in India: Women 's Rights", pbs.org. (8 March 2013). Web. June 20, 2013. http://www.pbs.org/newshour/rundown/2013/03/india-women.html…

    • 532 Words
    • 3 Pages
    Good Essays
  • Good Essays

    Issues of Poverty

    • 575 Words
    • 3 Pages

    Second, actions to alleviate poverty should focus on local needs and be sustainable to maximize its positive impact. We have witnessed the remarkable success of microfinance – a social business that focuses on making financial services accessible to the rural poor. Microfinance fills the gap where large commercial banks are unable to provide due to the cost constraint. Microfinance provides the avenue for the poor to take out small loans to grow their domestic business as well as a relatively safe platform for saving and investment. It has…

    • 575 Words
    • 3 Pages
    Good Essays
  • Powerful Essays

    United Nations. (2009). Women’s Control over Economic Resources and Access to Financial Resources, including Microfinance. United Nations, Department of Economic & Social Affairs. New York: United Nations.…

    • 2295 Words
    • 10 Pages
    Powerful Essays
  • Best Essays

    Since Garmeen bank model is conducive to reduce poverty, more and more developing countries accept Microfinance project as a tool to help rural people in their own countries. However, this case study demonstrates the bottleneck of Microfinance project in China, which can be concluded as implementation of government policy, working structure and lack of non-banking activities. Take the essence and discard the dregs of Indian experience, China has to apply Garmeen model into Chinese model. According to analyzing exist data, I present three alternatives to solve the problem. Moreover, after recommendation of alternatives, I provide an action plan, include but not limited in Money loan, extra non-banking activities and new working structure, which can effectively work in China. Action plan start with basic information analysis, target choice and provide further detail of non-banking activities.…

    • 1893 Words
    • 8 Pages
    Best Essays
  • Best Essays

    Duvendack, M., and R, Palmer-Jones. (2011) High noon for microfinance impact evaluations: re-investigating the evidence from Bangladesh, (Working Paper 27, DEV Working Paper Series) The School of International Development, University of East Anglia, UK.…

    • 3834 Words
    • 16 Pages
    Best Essays
  • Best Essays

    Microfinance

    • 2385 Words
    • 10 Pages

    Microfinance is the provision of financial to people who are living in poverty. The system is providing small loans to poor person who want to expand their business. A series of financial service include loaning, saving, insurance and so on. There are two main characteristic on microfinance. Firstly, it is focus on below average income person or poor person for their customers. Secondly, it must ensure that the possibility of its own sustainable development. The beginning of the activity was most closely associated with economist Muhammad Yunus in 1976. He was born in Bangladesh. Between 30 years, the success of Grameen Bank which was built by Yunus was noticed by the world. Then, microfinance has covered nearly development countries and some developed counties.…

    • 2385 Words
    • 10 Pages
    Best Essays
  • Powerful Essays

    Chapter - II : Main Stream Financial Institutions and SHG - Bank Linkages in Orissa…

    • 26571 Words
    • 107 Pages
    Powerful Essays
  • Powerful Essays

    Microfinance is the provision of financial services to low-income clients or solidarity lending groups including consumers and the self-employed, who traditionally lack access to banking and related services.”…

    • 915 Words
    • 4 Pages
    Powerful Essays
  • Powerful Essays

    Empowering Women

    • 2054 Words
    • 9 Pages

    1) INTRODUCTION 2) The women who blazed the trail 3) Microscopic Minority 4) Sad Plight of Women 5) Empowerment is the only answer 6) What is empowerment 7) Women who proved well due to political empowerment 8) Political Empowerment at the National Level 9) Position in Panchayats 10) Reservation in Parliament and Assemblies a myth ? 11) Social Empowerment 12) Role of NGOs in social empowerment 13) Steps taken by Govt for social empowerment: 14) Empowerment paves way for glory 15) CONCLUSION INTRODUCTION: “There is no chance for the welfare of the world unless the condition of women is improved. It is not possible for a bird to fly on only one wing,” said Swami Vivekananda. But through centuries, societies in the world over have been trying to fly on only one wing, denying women their rightful place. The greatest champions of women’s rights have been great men like Gandhiji, Raja Rammohun Roy, Ishwarachandra Vidyasagar, Maharshi Karve and ironically those who have systematically exploited and degraded them have also been of a largely-male dominated society. The very concept of women empowerment shows that society as such has given a raw deal to women – who comprise nearly fifty percent of the population and women themselves have to come forward to fight for their rightful place in all walks of life and prevent their exploitation in every field. Women, who number 498.7 million according to the 2001 census of India, represent 48.2 percent of the country’s population of 1,027.01 million. Let us analyse the ways and means for empowerment of women.…

    • 2054 Words
    • 9 Pages
    Powerful Essays
  • Powerful Essays

    Shgs in India

    • 10582 Words
    • 43 Pages

    APMAS (2009), “Quality and Sustainability of SHGs in Assam,” Andhra Pradesh Mahila Abhivruddhi Society, Retrieved April 15, 2011 from http://www.apmas.org. APMAS (2006), “Self Help Groups in India: A Study of the Lights and Shades,” EDA Rural Systems and Andhra Pradesh Mahila Abhivruddhi Society, Retrieved April 1, 2009 from http://www.edarural.com/documents/SHG-Study/Executive-Summary.pdf . Centre of Micro Finance Research, Jaipur (2007), “Report on SHG Federations,” Retrieved April 4, 2009 from http://www.birdindia.org.in/REPORT%20ON%20SHG%20. Chen, M., Jhabvala, R., Kanbur, R. & Richards, C (2007), Membership Based Organizations of the Poor: Concepts, Experience and Policy. London and New York, Routledge. Devaprakash, R. (2005), “Balancing Quality & Quantity in SHGs in India,” IBA Bulletin, (August), 25-39. Govt. of Harayana (2007), “Haryana Community Forestry Project. Self-Help Group Capability Assessment,” Forest Department, Govt. of Haryana, Retrieved May 23, 2009 from http://www.hcfp.gov.in/Self-Help Group_Capability_Assessment_Study.pdf. Jerinabi, U. (2006), Micro Credit Management by Women‟s Self Help Groups. 1st ed., New Delhi: Discovery Publishing House. Kapoor, P. (2001), Empowering the Indian Women, Publications Division, Ministry of Information and Broadcasting, Government of India. Krishna, M. (2003), Poverty Alleviation and Rural Poor, 1st ed., New Delhi: Mittal Publication. Kumar, Sunil (2010), “Centre for Micro Finance Research & BIRD,” Lucknow, Retrieved June 23, 2011 from http://www.birdindia.org.in/ REPORT%20ON%20SHG%20. Lalneihzovi (2007), Women‟s Development in India, 1st ed., New Delhi: Mittal Publication. Manimekalai, K. (2004), Economic Empowerment of Women through Self-Help Groups, 1st ed., New Delhi: Third Concept. Narasiah, M. L. (2004), Micro credit and Women, 1st ed., New Delhi: Discovery Publishing House. Panda, R. K. (2005), Emerging Issues on Rural Credit, 1st ed., New Delhi: APH Publishing Corporation. Putnam, R. (2000), Bowling Alone: The Collapse and Revival of American Community, 1st ed., New York, Simon & Schuster. Ray, B. D., Mazhari, H. K., Passah, P. M. & Pandey, M. C. (2000), Population, Poverty and Environment in North East India, 1st ed., New Delhi: Concept Publishing Company. Reddy, C. S. (2005), “SHGs: A Keystone of Micro Finance in India: Women empowerment & Social Security,” Retrieved Feb. 21, 2009, from http://www.aptsource.in/admin/.../1273818040_SHGs-keystone-paper.pdf . 46…

    • 10582 Words
    • 43 Pages
    Powerful Essays
  • Powerful Essays

    Microfinance can be defined as provision of a broad range of client-responsive financial services to poor people through a wide variety of institutions. This definition reflects a growing recognition that poor people need and use financial services beyond credit to expand their choices and better manage their financial lives. Microfinance includes rural finance through cooperatives, credit schemes to small-scale fisheries, and credit components in larger projects such as integrated rural development projects. Microfinance is not a panacea for poverty reduction, but one among many necessary interventions to reduce poverty and reach the Millennium Development Goals (see annex 1).…

    • 3850 Words
    • 16 Pages
    Powerful Essays
  • Good Essays

    finance topics list

    • 1122 Words
    • 5 Pages

    A comparative study between micro-finance banks, micro-finance institutions and rural support programs in creating self –employment in Pakistan…

    • 1122 Words
    • 5 Pages
    Good Essays
  • Best Essays

    Parida, Subhas C., and Sasmita Nayak. Empowerment of Women in India. Daryaganj: Northern Book Centre, 2009.…

    • 3530 Words
    • 15 Pages
    Best Essays
  • Powerful Essays

    social development

    • 11658 Words
    • 47 Pages

    Seibel, D. Hans., 2005. Does the History Matter: The Old and the New World of…

    • 11658 Words
    • 47 Pages
    Powerful Essays

Related Topics