Bhawani Singh Rathore - Academia.edu (original) (raw)
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Papers by Bhawani Singh Rathore
Microfinance sector has seen incredible growth over the past few years along with improving profi... more Microfinance sector has seen incredible growth over the past few years along with improving profitability, portfolio quality, efficiency and productivity levels. In the scenario of interest rate ceilings, MFIs have been successful in maintaining the profitability levels by improving the productivity of the loan officers. Nevertheless, one should watch out for warning signs such as high growth, saturation, overlapping of services by new banks and MFIs amongst others.
Microfinance Institutions (MFIs) have seen incredible growth in the past few years in India. Howe... more Microfinance Institutions (MFIs) have seen incredible growth in the past few years in India. However, there is a concern that the growth in the number of clients lags behind the growth in loan portfolio. In this context, this study intends to analyse the outreach of different categories of MFIs in terms of breadth, scope and depth. The study uses both, MFI-level and client-level data. The client-level data is drawn from 600 clients of 10 MFIs in five states. The MFIs were chosen from categories based on legal status and scale of operation. Larger Non Banking Financial Company-Micro Finance Institutions (NBFC-MFIs) were found to be having better geographical spread. However, in terms of other breadth of outreach variables, the performance depends upon the delivery models rather than the legal status and the scale of operation. In terms of scope of outreach, non-NBFC MFIs (like Annapurna Cooperative) were found to be better performing. The poverty outreach of the sample MFIs is much lower than the National Poverty Line. The study suggests developing an ecosystem of 'Not-for-Profit' companies in India for creating an alternate model of microfinance based on overall development of the clients. Additionally it also recommends introducing well-designed saving products and low-cost health and education services for the poor so as to ensure poverty reduction on a sustainable basis.
If you would like to write for this, or any other Emerald publication, then please use our Emeral... more If you would like to write for this, or any other Emerald publication, then please use our Emerald for Authors service information about how to choose which publication to write for and submission guidelines are available for all. Please visit www.emeraldinsight.com/authors for more information.
Purpose -The purpose of this paper is to investigate the role of joint liability in improving the... more Purpose -The purpose of this paper is to investigate the role of joint liability in improving the repayment performance of a microfinance program.
Microfinance sector has seen incredible growth over the past few years along with improving profi... more Microfinance sector has seen incredible growth over the past few years along with improving profitability, portfolio quality, efficiency and productivity levels. In the scenario of interest rate ceilings, MFIs have been successful in maintaining the profitability levels by improving the productivity of the loan officers. Nevertheless, one should watch out for warning signs such as high growth, saturation, overlapping of services by new banks and MFIs amongst others.
Microfinance Institutions (MFIs) have seen incredible growth in the past few years in India. Howe... more Microfinance Institutions (MFIs) have seen incredible growth in the past few years in India. However, there is a concern that the growth in the number of clients lags behind the growth in loan portfolio. In this context, this study intends to analyse the outreach of different categories of MFIs in terms of breadth, scope and depth. The study uses both, MFI-level and client-level data. The client-level data is drawn from 600 clients of 10 MFIs in five states. The MFIs were chosen from categories based on legal status and scale of operation. Larger Non Banking Financial Company-Micro Finance Institutions (NBFC-MFIs) were found to be having better geographical spread. However, in terms of other breadth of outreach variables, the performance depends upon the delivery models rather than the legal status and the scale of operation. In terms of scope of outreach, non-NBFC MFIs (like Annapurna Cooperative) were found to be better performing. The poverty outreach of the sample MFIs is much lower than the National Poverty Line. The study suggests developing an ecosystem of 'Not-for-Profit' companies in India for creating an alternate model of microfinance based on overall development of the clients. Additionally it also recommends introducing well-designed saving products and low-cost health and education services for the poor so as to ensure poverty reduction on a sustainable basis.
If you would like to write for this, or any other Emerald publication, then please use our Emeral... more If you would like to write for this, or any other Emerald publication, then please use our Emerald for Authors service information about how to choose which publication to write for and submission guidelines are available for all. Please visit www.emeraldinsight.com/authors for more information.
Purpose -The purpose of this paper is to investigate the role of joint liability in improving the... more Purpose -The purpose of this paper is to investigate the role of joint liability in improving the repayment performance of a microfinance program.