ROLE OF MICROFINANCE INTERVENTIONS IN FINANCIAL INCLUSION A COMPARITIVE STUDY OF MICROFINANCE MODELS

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    WELCOME

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    Presentation on:Presentation on:

    Role Of MicrofinanceRole Of MicrofinanceIntervention in FinancialIntervention in Financial

    Inclusion: A Comparative StudyInclusion: A Comparative Studyof Microfinance Modelsof Microfinance Models

    By:

    Mr.Bharath.PFinal Year MBAA.J.INSTITUTE OF MGT(AJIM)

    Mangalore

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    y TABLE OF CON TE N TS:

    I)IN TRODUC TION

    II)LITERATURE REVIEW

    III)MIC ROF IN A NC E-A N ALTERN ATIVE SOURC E OF FO RMALF IN A NC E

    IV)THE PRESE N T STUDY

    V)CONC LUSION

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    y INTRODUCTION:

    y Worlds population-have access toformal financial services.

    y Problem of sub-optimal servicesy Contingency planning and risk

    mitigationy Need of access to credit for livelihood

    creationy Wealth creation

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    y Microfinance- An Alternative Source Of

    Formal Finance y Ample space for innovative approaches to

    serve the financial needs of Indias ruralpoor.

    y Efforts have been made by the govt,financial institutions, and NGOS todevelop new financial deliveryapproaches.

    y Microfinance approaches-safety andreliability of formal finance

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    Micro finance servicesMicro finance servicesoffered to the poor:offered to the poor:

    3/28/2010 11

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    y What Microfinance Does and How?

    y Self Help Group (SGH) Bank LinkageModel

    y Grameen Group Model

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    y Research Problem And Objectives

    y How do the clients of the two main modelsof microfinance, the SHG model and theMFI model, differ?

    y What is the average level of indebtednessto non-institutional sources among clientsof different models of microfinance?

    y Does the level of indebtedness to

    moneylenders depend on the type of microfinance model one is client of?

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    Credit Agency Percentage of Rural Households

    Government 6.1

    Cooperative Societies 21.6

    Commercial banks and RRBs 33.7

    Insurance 0.3

    Provident Fund 0.7

    Other Institutional Sources 1.6All Institutional Agencies 64.0

    Landlord 4.0

    Agricultural Moneylenders 7.0

    Professional Moneylenders 10.5

    Relatives and Friends 5.5Others 9.0

    All Non Institutional Agencies 36.0

    All Agencies 100.0

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    y Findings And Discussion

    Comparison of Alternative MicrofinanceModel ClientsLevel of LiteracyHousing

    Landholdings and Sources of IncomeTargeting Efficiency of MicrofinanceProgrammesIncome and Consumption ExpenditureHousehold Indebtedness

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