પ્રાદેશિક ગ્રામિણ બેંકો નો ઉદ્દભવ,ઉદ્દેશ્યો અને કામગીરી
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પ્રાદેશિક ગ્રામિણ બેંકો નો ઉદ્દભવ,ઉદ્દેશ્યો અને કામગીરી
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2.
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"the poverty of her imagination"
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performances. The findings show that clients’ characteristics (age, household size, gender and level of
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1) Social banking phase from 1960-1980 focused on expanding rural branch networks.
2) Financial systems approach from 1990-2000 saw the emergence of NGO-MFIs and self-help groups.
3) Current phase of financial inclusion since 2000 features MFIs partnering with diverse entities and increased policy regulation.
The microfinance industry in India is dominated by self-help groups initiated by NABARD and MFIs that emerged in the late 1990s to provide financial services to low-income individuals through mechanisms like group lending.
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Poverty
the state of being extremely poor.
"thousands of families are living in abject poverty"
synonyms: penury, destitution, indigence, pennilessness, privation, deprivation, impoverishment, neediness, need, want, hardship, impecuniousness, impecuniosity, hand-to-mouth existence, beggary, pauperism, straitened circumstances, bankruptcy, insolvency; More
2.
the state of being inferior in quality or insufficient in amount.
"the poverty of her imagination"
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This document summarizes the history and operations of Yes Bank, an Indian private sector bank. It discusses that Yes Bank was founded in 2004 by Rana Kapoor and has grown to be one of the largest private banks in India. The document also outlines some of Yes Bank's key business lines and facilities including loans, export financing, and bank guarantees. Finally, it describes some historical milestones like receiving awards and expanding its branch network over the years.
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This study analyzed the factors affecting loan repayment performances in Microfinance Institutions (MFIs) with
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study used both quantitative and qualitative techniques to investigate factors affecting loan repayment
performances. The findings show that clients’ characteristics (age, household size, gender and level of
education), nature of business (business type, business stability and income level) and loan characteristics
(repayment period, repayment mode, and repayment amount) were among the factors that influenced borrowers
in repaying their loans. Lack of business knowledge was another factor mentioned by clients which leads to low
productivity hence failure to have enough fund to repay their loans.
The study further revealed that there was a significant relationship between loan repayment performances with
clients’ businesses challenges, loan diversification to other non-income activities, and other outside factors such
market imperfections, higher interest charges, drought, among others. Micro finance-shg-ppt
SAKHI raises capital through:
1. Loans from Friends of Women World Bank at an annual interest rate of 13.5%
2. Group guarantees followed by center guarantees for loans provided to members
3. Upfront loan processing fees of 2% charged to borrowers
SAKHI provides microloans ranging from Rs. 3,000 to Rs. 15,000 to economically disadvantaged individuals through a systematic organizational structure and loan disbursement process.
Microfinance
This document provides an overview of microfinance in India. It defines microfinance as the provision of financial services to low-income populations who lack access to mainstream services. Microfinance includes small loans, savings, insurance, and money transfers. Key aspects of microfinance in India discussed include the evolution of the industry, types of microfinance institutions such as self-help groups and joint liability groups, and channels for delivering microfinance services such as the SHG-Bank linkage model.
Microfinance in india
Microfinance provides small loans, savings, insurance and other financial services to low-income individuals who lack access to traditional banking services. In India, microfinance helps the estimated 26-50% of the population that lives below the poverty line, as well as the 87% of poor households without access to formal credit. Common microfinance models in India include self-help groups which pool savings and offer small loans, and the Grameen Bank model of groups of five joint-liability borrowers. The self-help group model dominates microfinance in India, facilitated by the National Bank for Agriculture and Rural Development. Microfinance has grown substantially over the last decade but there remains massive unmet demand, as over $30 billion is
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The document provides an overview of the State Bank of India (SBI), the largest banking and financial services company in India. It traces SBI's origins back to 1806 with the establishment of the Bank of Calcutta. Through later mergers and acquisitions, including the nationalization of the Imperial Bank of India in 1955, SBI became the predominant commercial bank in India. Today SBI has over 16,000 branches across India and overseas, making it the largest banking network in the country. The document outlines SBI's vision, products and services, leadership structure, subsidiaries, and position as one of the largest banks in the world.
Microfinance in India
Microfinance refers to providing small loans, savings opportunities, and other basic financial services to low-income individuals. The modern microfinance movement began in the 1970s by providing small loans to groups of poor women in Bangladesh, Brazil, and other countries. In India, an estimated 350 million people live below the poverty line, but only about 5% have access to microfinance due to high costs, lack of legal frameworks for microfinance institutions, and other barriers. Various models of microfinance have emerged and shown success in India, including self-help group bank linkage programs and wholesale banking models.
Microfinance and women empowerment
Microfinance in India has evolved over three phases from 1960 to today:
1) Social banking phase from 1960-1980 focused on expanding rural branch networks.
2) Financial systems approach from 1990-2000 saw the emergence of NGO-MFIs and self-help groups.
3) Current phase of financial inclusion since 2000 features MFIs partnering with diverse entities and increased policy regulation.
The microfinance industry in India is dominated by self-help groups initiated by NABARD and MFIs that emerged in the late 1990s to provide financial services to low-income individuals through mechanisms like group lending.
Jims ecell : Microfinance - A Holistic Perspective
Workshop on Microfinance - A Holistic Perspective at JIMS Campus conducted by E Cell members on 18th August 2012.
A PPT ON MICRO FINANCE BY :- GAURAV BHUT
Microfinance in India provides financial services to the poor who lack access to traditional banking. It began as social initiatives but is now a profitable sector. Key challenges include high transaction costs due to information asymmetry about clients and their loan usage. Most clients are rural with low literacy and lack collateral. Staff training and motivation are also issues. Government programs and microfinance institutions have expanded access but large gaps remain, with 500 million people still unserved. Future growth requires addressing demand, scaling up, using technology, and offering more products like insurance to increase impact.
Organic farming
Organic farming is the production of crops and livestock without synthetic chemicals or inorganic fertilizers. It aims to sustain soil, ecosystem, and human health. Organically farmed food is healthier with no toxic residues. Modern agriculture relies on pesticides, herbicides, and chemicals that are harmful to humans and contaminate food and soil. Organic farming uses manure, compost and crop rotation to nourish soil without chemicals. It creates living soil rich in nutrients and microorganisms, while modern farming leads to dead soil and pollution of water sources.
SELF HELP GROUP: A PATHWAY TOWARDS CREDIT & ECO NOMIC EMPOWERMENT OF WOMEN
n the present era SHG has evolved as one of the tool to get credit facilities, savings and economic impowerment and it is also been considered as need-based programme for alleviation of poverty to the so far neglected target groups (women, poor, deprived etc.) The experience across India and other countries has shown a robust potential of Self help groups to integrate with the development issues thereby significantly impacting the lives of poor
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Microfinance & its impact on women entrepreneurship develop
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Jims ecell : Microfinance - A Holistic Perspective
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SELF HELP GROUP: A PATHWAY TOWARDS CREDIT & ECO NOMIC EMPOWERMENT OF WOMEN
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પ્રાદેશિક ગ્રામિણ બેંકો નો ઉદ્દભવ,ઉદ્દેશ્યો અને કામગીરી
- 1. પ્રાદેશિક ગ્રાશિણ બેંકો નો ઉદ્દભવ,ઉદ્દેશ્યો અને કાિગીરી
- 2. ઉદ્દભવ (સ્થાપના) :- ભારતમાાં ખેતધીરાણ માટે સહકારી સાંસ્થાઓ અને વ્યપારી બેંકો કામ કરી રહી હતી છતાાં નાના અને સીમાાંત ખેડૂતોની ધધરાણ ધિષયક જરુરીયાતો પુરતા પ્રમાણમાાં સાંતોષિામાાં સફળતા મળી ન હતી. તેથી રીઝવવ બેંક 1972માાં ધનયુક્ત કરેલ બેંકકિંગ કધમશને નાના અને સીમાાંત ખેડૂતો, જમીન ધિહોણા ખેતમજુરો, ગ્રાધમણ કારીગરો િગેરેને ઉત્પાદકીય હેતુઓ માટે ધધરાણ મળી શકે તે માટે પ્રાદેધશક ગ્રાધમણ બેંકોની રચના કરિા ભલામણ કરેલી, આ ભલામણોને આધારે 2જી ઓક્ટોબર 1975ના રોજ ઉત્તર પ્રદેિિાાં બે, હરરયાણાિાાં એક, પશિિ બાંગાળિાાં એક અને રાજસ્થાનિાાં એક એમ કુલ પાાંચ પ્રાદેધશક ગ્રામીણ બેંકોની સ્થાપના કરિામાાં આિી અને તેની નીચે ગ્રામ્યધિસ્તારમાાં ગ્રામ્ય બેંકો શરૂ કરિામાાં આિી રહી છે.
- 3. ઉદ્દેશ્યો (હેતુઓ) :- 1. જે ધિસ્તારમાાં ખેતધધરાણ પૂરુાં પાડિા માટે સહકારી માંડળીઓ અસ્સ્તત્િમાાં નથી આિી કે બબનકાયક્ષમ રીતે કામ કરી રહી છે ત્યાાં ગ્રામ્ય બેંકો દ્દ્રારા સેિાઓ પૂરી પડિાનો હેતુ છે. 2. જે ધિસ્તારમાાં વ્યાપારી બેન્કોની શાખાઓ ઓછી હોય તેિા ધિસ્તારોમાાં ગ્રાધમણ બેંકોની શાખાઓ દ્વારા સેિા પૂરી પડિાનો હેતુ રહેલો છે. 3. જે ધિસ્તારમાાં ગ્રામ્ય બચતો એકધિત કરી શકાય તેમ હોય તેિા ધિસ્તારમાાં ગ્રાધમણ બેંકો શરુ કરીને બચત અને મૂડીરોકાણને પ્રોત્સાહન પૂરુાં પાડિાનો હેતુ રહેલો છે. 4. કેટલાક ધિસ્તારમાાં સિાાંગીય ધિકાસ કરિા માટે ગ્રાધમણ બેંકો ઉપયોગી બની શકે તે હેતુથી શરૂ કરિાનુાં નક્કી કરિામાાં આવ્યુાં છે.
- 4. 5. સહકાર અથિા રીઝિવ બેંક અને નાબાડની ધધરાણ નીધત પ્રમાણે ધધરાણની વ્યિસ્થા કરાિી. 6. સીમાાંત અને નાના ખેડૂતો પ્રત્યેની થતી ઉપેક્ષાઓ દુર કરી તેમને મદદરૂપ થવુાં. 7. ગ્રામ્ય કારીગરો અને ખેતમજુરોના ધિકાસ માટે નાણાકીય સહાય આપિી. 8. સહકારી બેંકો તેમજ વ્યપારી બેન્કોની ધધરાણની ખામીઓ દુર કરાિી. 9. ગામડાના કુટીર ઉદ્યોગો તથા શહેરી ધિસ્તારના નાના પાયાના ઉદ્યોગોને મદદરૂપ થવુાં. 10. માિ નાણાના અભાિે પ્રગધત અિરોધાતી હોય તો તેના ધિકાસ માટે સગિડો પુરીપડાિી. 11. ખેડૂતોને સહકાર આપી ગ્રામ્ય ધિકાસને ઝડપી બનાિિો, જેથી ગામડાઓ આબાદ બની શકે.
- 5. કાિગીરી (કાયવ) :- 1) બેંકકિંગ શાખાઓમાાં િધારો કરિો. 2) બચતોની ગધતશીલતા િધારિી. 3) ધધરાણના પ્રમાણમાાં િધારો કરિો. 4) નબળા િગવનુાં ઉત્થાન કરવુાં. 5) સેિા સહકારી માંડળીઓની સ્થાપના કરિી. 6) સાંકબલત ગ્રામ્યધિકાસ કાયવક્રમ (I.R.D.P.).