( ISSN 2277 - 9809 (online) ISSN 2348 - 9359 (Print) ) New DOI : 10.32804/IRJMSH

Impact Factor* - 6.2311


**Need Help in Content editing, Data Analysis.

Research Gateway

Adv For Editing Content

   No of Download : 131    Submit Your Rating     Cite This   Download        Certificate

RURAL FINANCIAL SERVICES, SHGS AND WOMEN EMPOWERMENT IN INDIA

    1 Author(s):  DR. SHARAD KUMAR BHATNAGAR

Vol -  9, Issue- 3 ,         Page(s) : 247 - 259  (2018 ) DOI : https://doi.org/10.32804/IRJMSH

Abstract

A concern with gender issues in financial services is not new. From the early 1970s, women’s movements in a number of countries with India also, became increasingly interested in the degree to which women were able to gain access to and benefit from poverty-focused credit programmes and credit cooperatives.Women are facing discrimination in terms of access to credit and other financial services from traditional days. There is a need of Microfinance, a powerful tool, for empowering women especially belong to villages and rural areas. Microfinance plays a critical role in empowering women and it is an inductive tool of poverty reduction which has leads to the empowerment of women relieving them from debt and financial burden. The success of microfinance initiatives has often been attributed to their particular focus on empowering women and encouraging their self-reliance through developing their own means of income. In other words, where financial institutions failed, Microfinance earmarked by tackling the tradeoff between outreach and sustainability.

1. Bali Swain R, 2006: Microfinance and Women’s Empowerment, Sida Working Paper, Division of Market Development, Sida, Stockholm.
2. Basu P and Srivastava P, 2005: ‘Scaling-up Microfinance for India’s Rural Poor’, World Bank Policy Research Working Paper 3646, WB, Washington DC.
3. Fisher T and Sriram MS, 2002: Beyond Micro-Credit: Putting Development Bank into Microfinance, Vistar, New Delhi.
4. Hashemi SM, Schuler SR and Riley AP, 1996: ‘Rural Credit Programmes and Women’s Empowerment in Bangladesh’, World Development, Vol. 24, No. 4, pp. 635-653.
5. Malhotra, A. Schuler S.R. and Boender, Carol, 2002: Measuring Women’s Empowerment as a Variable in International Development, Background Paper for World Bank Workshop on Poverty and Gender: New Perspectives.
6. Mayoux L., 1997: The Magic Ingredient? Microfinance and Women’s Empowerment, A Briefing Paper prepared for the Micro Credit Summit, Washington.
7. MYRADA, 2002: Impact of Self Help Groups (Group Processes) on the Social Empowerment Status of Women Members in Southern India, paper presented at the Seminar on SHG Bank Linkage Programme, New Delhi.
8. NABARD, 2005: Progress of SHG – Bank Linkage in India, 2004-2005, Microcredit Innovations Department, NABARD, Mumbai.
9. Puhazhendi, V. and Badatya, K.C., 2002: SHG Bank Linkage Programme for Rural Poor – An Impact Assessment, paper presented at the seminar on SHG bank linkage programme at New Delhi, micro Credit Innovations Department, Nabard, Mumbai.
10. World Bank, 2001: Engendering Development: Through Gender Equality in Rights, Resources, and Voice – Summary, Washington. www.worldbank.org/gender/prr/ engendersummary.pdf
11. Pitt, M., S. R. Khandker, and J. Cartwright, 2006: Empowering Women with MicroFinance: Evidence from Bangladesh, Economic Development and Cultural Change, 791- 831.
12. Sen, A.K. & Nussbaum M.C. (ed.), 1993: Capability and Well-Being, in The Quality of Life.
13. UNDP, 1995: Human Development Report , Gender and Human Development, New York.
14. http://info.worldbank.org/etools/bspan/PresentationView.asp?PID=936&EID=482
15. Jayashree Vyas, “Banking with Poor Self Employed Women”,CAB Calling,Oct-Dec 2005,Vol 29,No.4
16. Muhammad Yunus, ‘Microcredit: Banking with the Poor, without Collateral’, CAB Calling, Jan-March 2006,Vol 30, No. 1 
17. www.sewabank.org
18. Editorial,The Hindu, Friday 30th,2005
19. www.microfinancegateway.org/p/site/m/template.rc/
20. www.microcreditsummit.org/
21. Cheston, S., and L. Kuhn (2002) Empowering women through microfinance. In Pathways out of poverty: Innovations in microfinance for the poorest families, comp. and ed. S. Daley-Harris, 167- 228. Bloomfield, CT: Kumarian Press.
22. Churchill, C., ed. (2006) Protecting the poor: A microinsurance compendium. Geneva: International abour Organization (ILO)
23. Frank, C., E. Lynch and L. Schneider-Moretto (2008) Stemming the tide of mission drift: Microfinance transformations and the double bottom line. New York: Women’s World Banking.
24. Gammage, S. (2006) A menu of options for intra-household poverty assessment. Washington, DC: U.S.
25. Kabeer, N. (2001) Conflicts over credit: Re-evaluating the empowerment potential of loans to women in rural Bangladesh. World Development 29 (1): 63-84.
26. Kelkar G., D. Nathan and R. Jahan (2004) We were in fire, now we are in water: Micro-credit and gender relations in rural Bangladesh. New Delhi: IFAD-UNIFEM Gender Mainstreaming Programme in Asia.
27. www.ilo.org/dyn/empent/docs/F228761170/
28. Mayoux, L. (2009 forthcoming) Financial services for women's empowerment: Gender action learning system in market research and financial literacy. The Hague: Women’s Empowerment, Mainstreaming and Networking (WEMAN), Oxfam Novib, to be available from www.genfinance.info in July 2009.
29. Rajagopalan, S., ed. (2009) Microfinance and women's empowerment: A critical assessment. Hyderabad, India: Icfai University Press.
30. UNDP (1995) Human development report. New York: United Nations Development Programme (UNDP).
31. World Bank (2003) Rural financial services: Implementing the Bank's strategy to reach the rural poor. ARD Report No. 26030. Washington, DC: World Bank.
32. World Bank (2006) Gender equality as smart economics: A World Bank Group gender action plan (fiscal years 2007-2010). Washington, DC: World Bank.
33. Anil K Khandelwal, “Microfinance Development Strategy for India”, Economic and Political Weekly, March 31, 2007 
34. EDA Rural Syatems Pvt Ltd in association with APMAS, “Self Help Groups in India- A Study of the Light and Shades” 
35. Raven Smith, “ The Changing Face of Microfinance in India- The costs and benefits of transforming from an NGO to a NBFC”, 2006
36. Shri Y S P Thorat, Managing Director, NABARD, “Microfinance in India: Sectoral Issues and Challenges”, May, 2005
37. Rural Women Empowerment through Microfinance Submitted by kiran yadav on Thu, 02/04/2010 - 17:47

*Contents are provided by Authors of articles. Please contact us if you having any query.






Bank Details