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  Published Paper Details:

  Authors

  Dr. Thangzamang Lhouvum

  Keywords

“Over-indebtedness – the flip side of Micro Finance”

  Abstract


The practice of Micro finance was and has been observed India for the last so many years may be two decades or so. The inspiration was mainly drawn from Prof Muhammed Yunus, who is considered to be the brain child of micro credit and micro finance and the founder of the Grameen Bank, Bangladesh. The Grameen model has been replicated almost all over the world. But then there is one serious concern that needs to be attended to, that is the over indebtedness of the micro finance clients and also the transparency and the client protection part. Micro Finance can be considered as a developmental instrument for inclusive growth as it mainly caters to those who are at the bottom of the pyramid. Micro finance has been championed by many institutions such as Banks, NGOs, SHGs, JLGs, Churches in the North East India etc in the country. The central bank of India, the RBI and NABARD have been playing a very instrumental role in spreading and promoting the self help groups (SHGs) and linkage of SHGs to the banking system through refinance support and other initiative measures of proactive policies and systems. This initiative in fact has become an important component in the poverty reduction strategy. Under the umbrella of micro finance activities, there has also been promotion of micro and small enterprises development. This article attempts to discuss on the over indebtedness, the flip side of the Micro Finance, which may also be considered as one aspect to building a self sufficient Micro Finance Institution.

  Cite this article

  Dr. Thangzamang Lhouvum,   "“Over-indebtedness – the flip side of Micro Finance”", IJRAR - International Journal of Research and Analytical Reviews (IJRAR), E-ISSN 2348-1269, P- ISSN 2349-5138, Volume.2, Issue 4, Page No pp.985-991, November 2015, Available at : http://www.ijrar.org/IJRAR19D1281.pdf  

  IJRAR's Publication Details

  Unique Identification Number - IJRAR19D1281

  Paper ID - 218209

  Author type - N

  Page Number(s) - 985-991

  Pubished in - Volume 2 | Issue 4 | November 2015

  DOI (Digital Object Identifier) -   

  No Of Downloads - 1203

  Author Country - -, -, -, -, -, Science & Technology

  Publisher Name - IJPUBLICATION | IJRAR | www.ijrar.org | E-ISSN 2348-1269, P- ISSN 2349-5138

  E-ISSN 2348-1269, P- ISSN 2349-5138

  Published Paper PDF : - http://www.ijrar.org/papers/IJRAR19D1281

  Published Paper URL: : - http://ijrar.org/viewfull.php?&p_id=IJRAR19D1281

  Published Paper PDF Downlaod: - download.php?file=IJRAR19D1281

  Cite this article

  Dr. Thangzamang Lhouvum,   "“Over-indebtedness – the flip side of Micro Finance”", IJRAR - International Journal of Research and Analytical Reviews (IJRAR), E-ISSN 2348-1269, P- ISSN 2349-5138, Volume.2, Issue 4, Page No pp.985-991, November 2015, Available at : http://www.ijrar.org/IJRAR19D1281.pdf

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