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. 3 ABSTRACT
.. 4 Overview of the
Microfinance Sector 10 Top 50 Microfinance
Institutions 12 Legal and Regulatory
Framework for the (MFIs) in India 15
Societies Registration Act, 1860 15
Indian Trusts Act, 1882 . 15
Not-For-Profit Companies Registered Under Section 25 Of Companies Act,
1956.. 15
Ratio Analysis............................................................................................................... 16 Micro
credit model 20 Business
Model of GRAMEEN Bank .. 21
About GRAMEEN Bank . 21
Working model of Grameen bank 22
16 Decisions .. 24
The Repayment Mechanism . 25
Criticism of Grameen Bank 25
Self Help Group (SHGs) .,26
Concept of SHGs ... 26
Need of SHGs . 26
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Structure of SHGs . 27
Joint Liability Groups (JLGs)......................................................................31
Difference between SHGs and JLGs 31
How JLGs formed . 32
JLG features .32
NABARD Initiative in Micro Finance .... 33
Introduction . 33
Role of NABARD . 33
Organization Structure 34
NABARDs OFFICES all over INDIA 34
Financial Santa Clause NABARD 35
How NABARD helps Banks and MFIs in augmenting? .35
How NABARD manages their repayment ratio . 36
How NABARD gives loan to the Institutions? .36
Business Model of SAKHI . 37
Introduction .. 37
Organization Structure .. 38
How SAKHI disburse the Loans? ... 39
How they charges interest? ... 40
How SAKHI raise capital? .. 40
Why SAKHI charges such a high rate of interest (18% p.a)? ..... 40
Is government waiver plan effected there Institution? . 41
Business Model of MAS Finance . 43
Introduction . 43
Role and Function . 43
Organization Structure 44
How MAS FINANCE raise capital? ..45
How MAS FINANCE manages their repayment structure . 45
MAS FINANCE has strange way of providing loan? .. 45
Why MAS FINANCE charges such a high rate of interest (25-26%% p.a)? 45
Any default case regarding to repayment of the loan? ..45
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