Microfinance is the business of giving small, collateral-free loans to poor borrowers that are paid back in frequent intervals with interest. While these for-profit microfinance institutions (MFIs) promise social and economic empowerment, they have mainly succeeded at enfolding the poor--especially women--into the vast circuits of global finance. Financializing Poverty ethnographically examines how the emergence of MFIs has allowed financial institutions in the city of Kolkata, India, to capitalize on the poverty of its residents.
This book reveals how MFIs have restructured debt relationships in new ways. On the one hand, they have opened access to new streams of credit. However, as the network of finance increasingly incorporates the poor, the "inclusive" dimensions of microfinance are continuously met with rigid forms of credit risk management that reproduce the very inequality the loans are meant to alleviate. Moreover, despite being collateral-free loans, the use of life insurance to manage the high mortality rates of poor borrowers has led to the collateralization of life itself. Thus the newfound ability of the poor to use MFI loans has entrapped them in a system dependent not only on their circulation of capital, but on the poverty that threatens their lives.
Описание: The authors take into account developments from a historical, social science and economic point of view. Analysis and data interpretation is backed by case studies. They identify parameters both for failure and for success and also indicate how to optimize existing potentials.
Автор: Sorell Название: Microfinance, Rights and Global Justice ISBN: 1107110971 ISBN-13(EAN): 9781107110977 Издательство: Cambridge Academ Рейтинг: Цена: 14256.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: Microfinance in the form of small loans to promote entrepreneurial activity is increasingly seen as a sustainable means of aiding the global poor. This book examines the ethical issues arising from microfinance practices, including important questions about exploitation, human rights, and efforts to promote global justice.
Описание: Microcredit is part of a global trend of financial inclusion that brings banking services, especially small loans, to the world`s poor. In this book, the author explores Paraguayan solidarity lending as a window into the tensions between social development and global finance.
Автор: Doris K?hn Название: Microfinance 3.0 ISBN: 3642417035 ISBN-13(EAN): 9783642417030 Издательство: Springer Рейтинг: Цена: 6986.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: This book focuses on the achievements, current trends and further potential of microfinance to scale-up and serve many more clients with financial services that enable them to improve their living conditions.
Автор: Rцsler Ren Название: Microfinance on Corporate Level ISBN: 3836493144 ISBN-13(EAN): 9783836493147 Издательство: Неизвестно Рейтинг: Цена: 8590.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: In 1962, amidst the Cuban Revolution, Third World decolonization, and the African American freedom movement, Jamaica and Trinidad and Tobago became the first British West Indian colonies to gain independence. This book is an international history of Anglo-American-Caribbean relations, including the role of the transnational African diaspora, during the long decolonization of the British Caribbean.
Microfinance is the business of giving small, collateral-free loans to poor borrowers that are paid back in frequent intervals with interest. While these for-profit microfinance institutions (MFIs) promise social and economic empowerment, they have mainly succeeded at enfolding the poor--especially women--into the vast circuits of global finance. Financializing Poverty ethnographically examines how the emergence of MFIs has allowed financial institutions in the city of Kolkata, India, to capitalize on the poverty of its residents.
This book reveals how MFIs have restructured debt relationships in new ways. On the one hand, they have opened access to new streams of credit. However, as the network of finance increasingly incorporates the poor, the "inclusive" dimensions of microfinance are continuously met with rigid forms of credit risk management that reproduce the very inequality the loans are meant to alleviate. Moreover, despite being collateral-free loans, the use of life insurance to manage the high mortality rates of poor borrowers has led to the collateralization of life itself. Thus the newfound ability of the poor to use MFI loans has entrapped them in a system dependent not only on their circulation of capital, but on the poverty that threatens their lives.
Автор: Bali Swain Название: The Microfinance Impact ISBN: 1138808377 ISBN-13(EAN): 9781138808379 Издательство: Taylor&Francis Рейтинг: Цена: 7961.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: Financial inclusion through microfinance has become a powerful force in improving the living conditions of poor farmers, rural non-farm enterprises and other vulnerable groups. In its unique ability to link the existing extensive network of India’s rural bank branches with the Self Help Groups (SHG), the National Bank of Agriculture and Rural Development (NABARD) has covered up to 97 million poor households by March 2010 under its Self Help Group Bank Linkage Programme. Policy-makers have proclaimed SHGs as ‘‘the most potent initiative … for delivering financial services to the poor in a sustainable manner." This book presents a comprehensive scientific assessment of the impact of the Self Help Group Bank Linkage Programme (SBLP) on the member households. The book discusses wide-ranging topics, including the rural financial sector in India, the history and structure of the SBLP, the impact methodologies, the economic and social impact of microfinance, its role in building assets while reducing poverty and vulnerability, the role of women and their empowerment, training and accumulation of human capital and policy implications of lessons learned. The empirical results show that vulnerability of the more mature SHG members declines significantly. Vulnerability also falls for villages with better infrastructure and for SHGs that are formed by NGOs and linked by banks. The results strongly demonstrate that on average, there is a significant increase in the empowerment of the female participants. The economic impact of SBLP is found to be the most empowering. Greater autonomy and changes in social attitudes also lead to female empowerment. The investigation further reveals that training (especially business training) has a definite positive impact on assets but not on income. The impact of training can be improved through better infrastructure (as in paved roads), linkage model type, and the training organiser. Bridging the gap in the existing literature and between academics and practitioners, this book moves beyond the usual theoretical issues in the impact assessment literature and draws on new developments in methodology. It will be of interest to academics, development practitioners and students of economics, political science, sociology, public policy and development studies.
Автор: Horton, Lynn (chapman University, California) Название: Women and microfinance in the global south ISBN: 1108418724 ISBN-13(EAN): 9781108418720 Издательство: Cambridge Academ Рейтинг: Цена: 15206.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: Women and Microfinance in the Global South incorporates a meta-synthesis of thirty qualitative empirical cases from Asia, Africa, and Latin America to explore the links between microfinance and women`s empowerment, questioning how microfinance facilitates the economic and socio-political empowerment of women.
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