Social Purpose, Commercialization, and Innovations in Microfinance: A Global Perspective, Mia Aslam
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.
Автор: Sherratt Lesley Название: Can Microfinance Work? ISBN: 0199383197 ISBN-13(EAN): 9780199383191 Издательство: Oxford Academ Рейтинг: Цена: 6018.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: Can Microfinance Work? presents a thorough-going and nuanced ethical assessment of the microfinance industry, drawing on the author`s expertise in the fields of finance and applied ethics.
Автор: Lieberman Ira W., DiLeo Paul, Watkins Todd A. Название: The Future of Microfinance ISBN: 0815737637 ISBN-13(EAN): 9780815737636 Издательство: Mare Nostrum (Eurospan) Рейтинг: Цена: 6237.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание:
A major source of financing for the poor and no longer a niche industry
Over the past four decades, microfinance--the provision of loans, savings, and insurance to small businesses and entrepreneurs shut out of traditional capital markets--has grown from a niche service in Bangladesh and a few other countries to a significant global source of financing. Some 200 million people globally now receive support from microfinance institutions, with most of the recipients in the developing world. In the beginning, much of the microfinance industry was managed by non-governmental organizations, but today the majority of these institutions are commercial and regulated by governments, and they provide safe places for the poor to save, as well as offering much-needed capital and other financial services.
Now out of infancy, the microfinance industry faces major challenges, including its ability to deal with mobile banking and other technology and concerns that some markets are now over-saturated with microfinance. How the industry deals with these and other challenges will determine whether it will continue to grow or will be subsumed within the larger global financial sector.
This book is based on the results of a workshop at Lehigh University among thirty-four leaders in the industry. The editors, working with contributions from more than a dozen leading authorities in the field, tell the important story of how microfinance developed, how it has met the needs of hundreds of millions of people, and they address key questions about how it can continue to meet those needs in the future.
Описание: This book offers insights on effective policies that can be applied to other economies in terms of using technology financing to foster technological innovations. It outlines the role of government in accelerating the nation`s innovative capacity by promoting technology investments that will achieve successful and sustainable economic development.
Автор: Manos Ronny Название: Promoting Microfinance ISBN: 1137034904 ISBN-13(EAN): 9781137034908 Издательство: Springer Рейтинг: Цена: 16769.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: Promoting Microfinance brings together essays and empirical work by leading researchers and practitioners in the field of microfinance. It covers key issues currently facing the microfinance industry and provides an overview of the microfinance industry in selected countries/regions, pointing to the direction in which it is heading.
Автор: Philipp Becker Название: Investing in Microfinance ISBN: 3834925675 ISBN-13(EAN): 9783834925671 Издательство: Springer Рейтинг: Цена: 8384.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: Philipp M. Becker investigates the attractiveness of microfinance investments for different investor categories applying scenario methodology in an asset allocation context.
Автор: Smitha Radhakrishnan Название: Making Women Pay: Microfinance in Urban India ISBN: 1478013931 ISBN-13(EAN): 9781478013938 Издательство: Mare Nostrum (Eurospan) Рейтинг: Цена: 12910.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: In Making Women Pay, Smitha Radhakrishnan explores India's microfinance industry, which in the past two decades has come to saturate the everyday lives of women in the name of state-led efforts to promote financial inclusion and women's empowerment. Despite this favorable language, Radhakrishnan argues, microfinance in India does not provide a market-oriented development intervention, even though it may appear to help women borrowers. Rather, this commercial industry seeks to extract the maximum value from its customers through exploitative relationships that benefit especially class-privileged men. Through ethnography, interviews, and historical analysis, Radhakrishnan demonstrates how the unpaid and underpaid labor of marginalized women borrowers ensures both profitability and symbolic legitimacy for microfinance institutions, their employees, and their leaders. In doing so, she centralizes gender in the study of microfinance, reveals why most microfinance programs target women, and explores the exploitative implications of this targeting.
Описание: The book is a contemporary compilation of important research in the area of microfinance and financial inclusion. It explores a plurality of views and experiences from different parts of the world while linking a variety of international research backgrounds. Accordingly the book will ?ll a gap in providing a carefully curated cross-sectorial selection of topics relevant to the development ?nance research community primarily but also industry practitioners who are interested in keeping abreast of developing research. Bene?ts in this regard also include being able to provide a platform to less established researchers o?ering them a voice in published form.
Описание: Promoting Microfinance brings together essays and empirical work by leading researchers and practitioners in the field of microfinance. It covers key issues currently facing the microfinance industry and provides an overview of the microfinance industry in selected countries/regions, pointing to the direction in which it is heading.
Описание: Financial services are important for women who are starting and growing a business, but in Pakistan microfinance providers (MFPs) are not reaching Pakistan's businesswomen. Only 59 percent of microfinance clients are women, yet the majority of these loans are passed on the male members of the household - husbands, fathers, and sons. The practice of passing on loans to male household members is quite widespread; women may be bearing all the transaction costs and risks of accessing loans, but are not the final beneficiaries. Second, a very low proportion of female microfinance clients are entrepreneurs. The report explores why businesswomen in Pakistan may not be using microfinance products to meet their start-up and working capital requirements, in spite of identifying access to finance as a key constraint to their business operations. <br><br>Against this backdrop, access to finance remains the biggest challenge for a woman who wants to start or grow a business. Yet less than a quarter of the entrepreneurs identified through business development service providers were currently borrowing from microfinance lenders. Even among those entrepreneurs that borrow, dissatisfaction is high. Why?<br><br>Women borrower-entrepreneurs are not able to access individual loan products, but instead are consistently relegated to group lending. But group loans are very costly for a woman who is running a business, and the loans are too small to fulfil working capital needs. Businesswomen are rarely given the opportunity to access individual loan products, which are usually offered exclusively to male borrowers, and women are not given opportunities to graduate from group loans to individual loans over time. Lending practices often are discriminatory, requiring husbands' permission, male guarantors, and unmarried women are rarely considered as potential clients.<br><br>Although MFIs understand that women's inclusion is integral to the objectives of microfinance, the practice of passing on loans raises serious issues about consumer protection for women clients, and the best and most effective solutions to these challenges could and should come from the sector itself. Designing better products that reach the needs of emerging women entrepreneurs could prove to be good business, achieving double bottom-line objectives. Investing in financial literacy and education of both men and women borrowers can help curb the demand for pass-through loans and help lower risks associated with deceptive practices.
Автор: G. R. Chintala, Rajendrakumar Thanvi Название: Microfinance and Financial Inclusion in India: The NABARD Story ISBN: 9354795404 ISBN-13(EAN): 9789354795404 Издательство: Sage Publications Рейтинг: Цена: 6811.00 р. Наличие на складе: Поставка под заказ.
Описание: The success of microfinance in the last three decades has shown that if given adequate infrastructural and governmental aid, the poor can be bankable. Microfinance and Financial Inclusion in India traces the origin of microfinance in India and examines its growth, delivery and institutional models, and the challenges it faces. It advocates more engagement with the poor clientele through an appropriate product and process mix that could contribute meaningfully to India’s economic development. The book also looks into the trailblazing initiatives launched by the National Bank for Agriculture and Rural Development (NABARD) to promote microfinance and inclusive banking services. It explores self-help groups and joint liability groups that can leverage social capital to support microentrepreneurs and small farmers with adequate and timely institutional credit. This book captures the fascinating journey of Indian microfinance by delving into NABARD’s work, the use of technology to transform banking for the poor and the dream of universal financial access.
Описание: This book is open access under a CC BY license. This book presents a study of capacity building and structural funds in public managing authorities for the microcredit sector.
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