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N#m5: ANKUR AGGARWAL

D5&i2(#8i7(: ASSISTANT PROFESSOR

A(r A2#r$#! i& 'rr5(8!9 #( Assistant Pro!ssor "S!#!$tion Grad!% #8 8"5 S'"77! 76 B&i(5&&

S8di5&, S"#rd# U(i

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MICROFINANCE8 PRO&LEMS AND PROSPECTS

A&STRACT:

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INTRODUCTION8

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m#r58& 67r 8"5 mi'r76i(#('5 &5'87r. Mi'r76i(#('5 &5'87r i( I(di# i& &58 87 5(85r # (5$ 2r7$8"

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Y5#r N7. 76 SHG& 6i(#('5d

dri(2 8"5 95#r i( !#"

Cm!#8i

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//+/- -.* 13.14

//-+/3 3./ .4

//3+/ 3.4 *.-

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&>&8#(8i#!!9.

Positi,! F!at1r!s o t/! SHG - &an* Lin*a(! Pro(ramm!

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'#8r5 8"5 >&i(5&& i!!i7( USD .- >i!!i7(.

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Perceived High Risk of Micro Entrepreneurship and SmallBusinesses

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High Costs Involved in Small Transactions/Microlending

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"oor Distribution Sstem of Micro(nance Institutions and lack ofinformation about micro(nance investment o))ortunities

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From $r!dit to !nt!r+ris!

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Gro1+ Loans to SHGs and SHG Loans to M!m7!rs

T"5 #!5:

;!ar No' o SHGs inan$!d &an* #oan " Rs'

Cror! %

P!r (ro1+ #oan " Rs'%

N!. Existin( N!. Existin( N!. Existin(

=44>-45 >?3@>3 3@3?? 33B@'@5 ?@'@5 >=44B 54?55

=445-4B B>>?B =B4= 3@=?'?4 3=?@'?4 >=43= 5335

=44B-4? ?=434 >554B= =>>4'5B =3?'?> >@B3 ?=5

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95#r.

11

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Cost R!$o,!r2 and S1staina7i#it2

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76 SHG& i& !72"5d >#' i(87 8"5 '7r& 67r !5(di(2 #(d i& >5(56i'i#! 87 #!! m5m>5r&.

R!(iona# Im7a#an$!s

T"5 &r5#d 76 8"5 SHG + B#( Li(#25 Pr72r#mm5 i( di665r5(8 r52i7(& "#& >55( (5

Mar$/

=445

Mar$/

=44B

Mar$/

=44?

Nort/ East 5@@ 354 54? 3==@ >5=> ?=B3@

Ka#a/andi 53= ? 3>5 >3>@= 5B@? ?5BB4

Orissa =4BB> 5==@= @@B 3=>=B? 34?

W!st &!n(a# @> 3@35> >=?5@ B3?B =? 3>?=B3

&i/ar 5B= >B@ 3?3 3?=5? =43B 53>

/ar*/and 4 53 @@?B 3=?5@ =3B>3 =4=

Uttar

Prad!s/

=>3B= >>335 B>?? @=34 33?5 3?>5>

Uttaran$/a# 4 >>=> BB> 344 3545> 3?4?4

1

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Hima$/a#

Prad!s/

=B5B B4? @B 3>== 3@@ ===4

Mad/2a

Prad!s/

B? @3 3B=@3 =@4B 5B34B B3=

C/attis(ar/ 4 >@?> ?@?> @? 3B? =B45Ma/aras/tra 345? 3?3 =4?B >B>B @335? 3>35@4

G16arat 5= 5? 3>@B 3B@5 =5@3= >53?4

A## India =?>=B 5?35@ @3@>?4 34@43 3?35B? ==>B?B

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