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  • Microfinance-Concept: BY Kamlesh Thote M.B.A.3 SEM

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    Sunil Meshram
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    Microfinance refers to financial services provided to low-income individuals who otherwise lack access to these services. The goal of microfinance is to provide opportunities for low-income people to become self-sufficient through access to small loans, savings programs, and insurance. Microfinance institutions include both formal banks as well as informal local money lenders and NGOs. The four pillars of microfinance are regulation, supply of credit, demand for loans, and the intermediation between lenders and borrowers.

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    Micro Finance

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    Microfinance refers to financial services provided to low-income individuals who otherwise lack access to these services. The goal of microfinance is to provide opportunities for low-income people to become self-sufficient through access to small loans, savings programs, and insurance. Microfinance institutions include both formal banks as well as informal local money lenders and NGOs. The four pillars of microfinance are regulation, supply of credit, demand for loans, and the intermediation between lenders and borrowers.

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    5 views16 pages

    Microfinance-Concept: BY Kamlesh Thote M.B.A.3 SEM

    Uploaded by

    Sunil Meshram
    Microfinance refers to financial services provided to low-income individuals who otherwise lack access to these services. The goal of microfinance is to provide opportunities for low-income people to become self-sufficient through access to small loans, savings programs, and insurance. Microfinance institutions include both formal banks as well as informal local money lenders and NGOs. The four pillars of microfinance are regulation, supply of credit, demand for loans, and the intermediation between lenders and borrowers.

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    of 16

    MICROFINANCE-CONCEPT

    BY KAMLESH THOTE M.B.A.3RD SEM

    MEANING;A type of banking service that is provided to unemployed or low-income individuals or groups who would otherwise have no other means of gaining financial services. Micro finance refers to a variety of financial services that target low income clients particular women.

    GOAL:To give low income people an opportunity to become a self sufficient by providing a mean of saving money, borrowing money and insurance.

    PRODUCT AND SERVICE


    Micro Micro Micro

    Loan Saving Insurance

    Formal Financial Institution


    Commercial Banks, NABARD, Rural development Bank, Land development Bank, Co. operative Banks, Etc.

    Informal Financial Institution


    Local NGO

    money Lender linked financial intermediary

    FOUR PILLAR OF MICROFINANCE:REGULATION

    SUPPLY

    DEMAND

    INTERMEDIATION

    What does Micro finance means for you?


    As As As

    an investor an finance professional an individual

    BANK NGO-CLIENT CREDIT LINE


    Bank make one bulk loan to NGO and the NGO packages it into larger number of small loans at market rate and recover them.

    THE GRAMEEN BANK(BANGLADESH)

    Established In 1976 By Dr. Muhammad Yunus


    (Nobal peace prize 2006)

    Branches = 1000 One branch cover 25-30 villages, 240 groups 1200 borrowers. Annual growth 20%

    Simple but effective system :Group

    of five Gather once a week Code of conduct


    Production in kitchen garden Improve house & education Safe drinking water Saving

    INDIAN MICROFINANCE INSTITUTE

    SKS microfinance pvt ltd Basix finance Microcredit foundation of India Bandhan society(NBFC) Etc

    Thank you.

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