
Contents: Preface. Introduction. 1. Micro-credit and rural development/A. Kumari and N. Malathi. 2. Self-help groups: a vehicle for women's empowerment--experiences of Madhya Pradesh/Mona Khare. 3. Cooperative credit and SHGs: today and tomorrow/Rais Ahmad. 4. Activity of rural micro-finance/J.A. Sarvaiya. 5. Micro-credit through self-help groups (SHGs) for promotion of rural development in Karnataka: the present and the future/M.S. Kallur. 6. Management and planning of micro-credit for rural development in India/Mahesh Chandra Prasad and Shambhu Pd. Sah. 7. Micro-credit and poverty alleviation/Anita Gogna and Satish Verma. 8. Micro-finance--a magic wand for poverty alleviation: a case study of SGSY/D.C. Pathak and S.K. Pant. 9. Changing dynamics of micro-credit in India: transition from NGO to non-banking financial company/G.M. Bhat and Altaf Hussain Kira. 10. Macro-credit and rural development: a case study with special reference to Annamalai block/S. Benjamin Christopher and J. Karthikeyani. 11. Formal and informal credit in the coastal villages of Kanyakumari district, Tamil Nadu/K. Pazhani and S. Jesi Isabella. 12. Micro-credit and self-help groups in India/Narendra Kumar, C.P. Kasaiah, V. Balakrishnama Naidu and M. Rukmini. 13. Socio-economic impact of micro-credit: a study of measurement/K.A. Nirmala and Geetha Mohan. 14. Co-operative credit and micro-credit--a comparative analysis/Amandeep Kaur and Kuldip Kaur. 15. Micro-finance: some important variables (micro-finance programme in India)/Abhishek Kumar and Alpana Sharma. 16. SHGs and women empowerment: a case of Hyderabad-Karnataka region in Karnataka/Talwar Sabanna, B.P. Bulla, Uttam Kamble and T. Shanta Porapur. 17. Levels of living of tribal self-help groups promoted under watershed programme in KBK districts of Orissa/B.K. Panda and R.K. Panda. 18. Micro-finance: scope and linkages with faster and inclusive growth/S.R. Singh and M.P. Srivastava. 19. Micro-finance: a tool for women empowerment/K.A. Rasure. 20. Co-operative credit and rural development in Punjab: implications for employment/Amarjit Singh Sethi and Aman Gill. 21. Growth of micro-credit in India: an evaluation/Md. Tarique and Ranjan Kumar Thakur. 22. Self-help is the best help in the eradication of rural poverty: an empirical study in Nellore district of A.P./G. Savaraiah, K. Mamatha and C. Gangulappa. 23. Economic evaluation of micro-credit institution: an empirical analysis/A. Kumar and Bharat Bhushan. 24. Micro-finance for inclusive growth and inclusive finance: issues and policy options/B.M. Jani. 25. Financial inclusion: role of banks in Indian context/Yogendra Nath Mann. 26. Micro-finance and its relevance after reforms (a special focus on rural credit in India)/B.K. Thakur. 27. Micro-finance for rural women's empowerment: a perspective/Baij Nath Singh. 28. Metamorphism of SHGs in Koderma/Kumkum Narain and Mira Mridubhashini. 29. Micro-credit intervention and economic empowerment of women through self-help groups in India/T.P. Singh and Prem Lata Kumari. 30. Empowering of women through micro-credit and SHG in India/Bipin Kumar. 31. Micro-finance and poverty reduction/R. Rajkumar and P. Chennakrishnan. 32. Potential of micro-level rural credit in Bihar: an innovative credit experiment with new generation financial institutions/Ashwini Kant Jha, Bhavna Jha and Rajeshwar Roy. Index.
"Micro-credit has assumed a special significance in the context of increased emphasis on rural development. The noble peace prize to Muhammad Yunus for his work on micro-finance in Bangladesh will not only boost the sector but also inspire governments, banks, voluntary agencies and individuals to strengthen and expand the micro-finance sector.
In India, the micro-finance sector has grown form a few self-help groups (SHGs) promoted by NGOs in the mid-1980s to over 29 lakh SHGs at present. The SHG-bank linkage programme of NABARD accelerated the growth of the sector. The Government of India and RBI have laid greater focus on the micro-finance sector to increase the access of the poor to financial services.
In time to come, the micro-finance sector is expected to growth further in term of reaching out to more families and would include more services for the poor. To provide an enabling environment for realizing the potential of micro-finance in India, a close scrutiny of issues that are constraining the growth of the sector is required and a strategy needs to be prepared for strong and consistent growth so that a majority of the poor have access to institutional financial services." (jacket)