grand project on micro finance
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BRIEF HISTORY
Microfinance refers to a variety offinancial services that target lowincome clients.
In 1800s, institutes were known aspeoples banks, credit unions, saving&credit co-operatives.
Between 1950 and 1970 countries likeBangladesh and Brazil started to focuson micro investment.
1972-SEWA BANK (4000 women
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GENERAL OVERVIEW
MFIs currently operate in over 100countries.sreving more than 75 millionclients.
Availability of large market,willingnessof banks of MFIs and Govt support-factors for rapid growth of MFIs.
In 2007,GRAMEEN BANK won theNOBEL PEACE PRIZE.
In India Andhra Pradesh,TamilNadu,Karnataka accountin 52% of
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WORKING OF MICROFINANCE
Microfinance supports people indeveloping economies, especially
in rural areas where daily activitiesare carried out without money.Microfinance supports Poor people
who find different ways to meet
their needs.Microfinance supports poor
households in order to grow.
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GOES BANK REGULARLY.
TO GET PRESONAL DATA LIKENAME
CONTACT
SIZE OF FAMILY.
ANNUAL INCOME.
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Sampling Method and Size
Judgmental SamplingMethod :
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LIMITATIONS
Small sample size
Lack of professionalisiom
No use of statisticalmethods
Poor people- lack ofeducation
Different opinion
Difficult to come onconclusion
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Q.1: Which is your occupation?
60%
40%
Business
Job
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Q.4: Do you know aboutMicrofinance?
43%
57%
Yes
No
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Q.6: Have you taken any loan frombank or MFI?
34%
66%
Yes
No
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Rate of interest
Rate of intrest
10, 5%
6--10, 45%
10
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Q.7: What is your reason for taking aloan?
25%
8%
25%
42%
0%
10%
20%
30%
40%
50%
Home vehical Business other(edu)
Reasion for taking loan
Home vehical Business other(edu)
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Q.8: Mention the amount of loan.
amt of loan
55%
21%
24%
10,00,000
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Q.9: For which purpose did you takeloan?
25% 25%
16%
34%
0%
5%
10%
15%
20%
25%
30%
35%
Business House Education other(vehicle)
purpose of taking loan
Business
House
Education
other(vehicle)
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Q.10: Do you find any improvementafter taking loan?
83%
17%
Yes
No
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Q.11: Is it easy to get a loan?
78%
22%
Yes No
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Q.12: Are you satisfied with yourbenefits?
87%
13%
Yes
No
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Q.13: Which is your way for repayinga loan?
63%
32%
5%
Monthly Yearly Other(half yearly,Quartly)
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Q.14: Do you want any loan for:
(1) Starting business
Starting business
52%
48%
Yes No
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(2) Expand the business:
Expand the business
55%
45%
Yes No
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Q.15: Are you benefited from anyother scheme or plan?
25%
61%
14%
Yes
No
No reply
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Q.16: Do you have any plan to getfinance from any sources?
21%
69%
10%
Yes
No
No reply
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Q-17:Plan to get finance from anyother sources?
21%
15%
64%
Bank MIF Other(Moneylender,relatives)
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Q.18: Do you visit bank regularly?
Yes
52%
No
48% Yes
No
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Q.19: Do you have any account inbank?
77%
23%
Yes no
49.50
20.50
7.50
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
1
saving
cur rent
f ixed dep os
yes than which account ?
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Q.22: Size of family.
40%
55%
5%
6
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Q.23:How many earning person infamily?
Person in a family
10%
42.5%
2%
45.5%
1 2 3 4
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Q.24:Total Income
19%
44%
37%
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vRecommendationsaboutstudy
No reliable Results
Lack of Information
Questionnaire
Seminars and groups are conducted
RECCOMENDATION
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v RECCOMENDATION ABOUT MFIS:
Its a Growing concept.
Have not concern the slum area.
Regional banks should be concerned.
Comfortability should be made to
people.
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CHALLENGES OF MICROFINANCE
Providing financial service to thepoor.
Incomplete information problem.Hidden action problem.Client profile.Staff.
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CONCLUSION
Private & govt. both play their role India is having unique picture of
micro-finance.
ANDHRA PRADESH & TAMIL NADU
consists of 52% and 59% clientsrespective.
Absence of structural education &vocational programme.
Many people have shortfall inknowledge and having difficulty in
taking loan.
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