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Introduction
Microfinance - an effective and Powerful
the poor for enabling them to raise their income level and living standards in various countries
In developing countries like India The rich
Introduction
Small enterprises in India - suffer from a great
deal of indebtedness
credit market have high interest rates and lack
growth there is the need for financial assistance and business development services for the micro and small enterprises.
Objective of study
To identify the contribution of financing MFI To study the effective facility loans provided by MFIs to micro and small enterprises. To investigate micro and small enterprises lead to the growth development of small scale Industries
Agency wise Bank Loans provided to MFIs during 2011-12 and Loans outstanding as on 31 March 2012
Sr.No. Name agency loan disturbed by bank/FI to MFI during the year 2011-12 Bank loans outstanding against MFI as 31 March 2012
No of MFIs
amt
no of MFI
amt
1 commercial banks 2 Regional rural bank 3 cooperating bank Sub Total 4 SIDBI Total
Provides Financial support Provides Infrastructural Facilities Promote Marketing and exports Modernization, technological and quality up gradation Promotion of entrepreneurship Promoting Village sector Promoting Handloom sector
Target A. Production
Anticipated achievement
1,404,000
100,000 1,32,821
585,112
6541 33,159
B. Employment 1.small scale industries(million person) 2 power loom (million person) 3.handloom (million person) 23.7 4.5 12 31.2 5 6.5
C. Export 1.small scale industries(crore) 2.handloom(crore) 3.handicrafts 1,26,0000 4500 17,000 1,77,600 4650 20,963
Conclusion / Suggestions
self-help groups must be there that offer financial guidance and credit promote savings free members from unfair debt burdens Offers skills training and capacity-building workshops to increase economic independence, empowerment, and local employability of women and other groups Development of small businesses that produce
saleable goods, such as traditional handicrafts Consult start-up microfinance programs that struggle with operational, financial, or institutional sustainability
Conclusion / Suggestions
Provide entrepreneurial skills training to conduct
feasibility studies, perform cost/benefit analyses, write business plans, acquire financing, and initiate startups Increase the productivity and distribution of local farmers' goods, while providing drought relief to vulnerable families Expand and increase exposure of microfinance programs to outlying villages Offer marketing, distribution, pricing, and management training to local micro enterprises