Shivam Mishra | Goa University (original) (raw)
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This paper examines the impact of microfinance on income and employment in general, and on social... more This paper examines the impact of microfinance on income and employment in general, and on socially disadvantage group (SC and ST) in particular. The study primarily based on the field survey conducted by the authors in two district of Orissa. Both participants and non-participants are taken into consideration for better understanding of the impact of microfinance. Comparison of member and nonmembers socio-economic condition is reported and it was found that non-participants are the most vulnerable and are at a disadvantage position than their counterparts. Probit-model is applied to examine the household specific factors explaining participation in the programme. It was found that land holding increases the probability of participation, where as SC or ST status of the household reduce the probability. Ordinary Least Square regression analysis was carried out to determine the determinants of household monthly income, and to find the impact of microfinance on income and employment. The result suggests that, land holding, education, and participation has positively related to household income. However, ST/SC enters negatively. Caste of the participants, amount borrowed individually, and monitoring of the by SHPI explained much of the increase/decrease in income and employment. Principally, the study found that ST/SC population participation in the programme is limited and those have joined the programme also received little benefits from the programme. The programme has left behind the poorest section of the society, those who need at most attention. Monitoring of the group activities and providing suitable training facility is critical to materialize the benefits of microfinance
This paper examines the impact of microfinance on income and employment in general, and on social... more This paper examines the impact of microfinance on income and employment in general, and on socially disadvantage group (SC and ST) in particular. The study primarily based on the field survey conducted by the authors in two district of Orissa. Both participants and non-participants are taken into consideration for better understanding of the impact of microfinance. Comparison of member and nonmembers socio-economic condition is reported and it was found that non-participants are the most vulnerable and are at a disadvantage position than their counterparts. Probit-model is applied to examine the household specific factors explaining participation in the programme. It was found that land holding increases the probability of participation, where as SC or ST status of the household reduce the probability. Ordinary Least Square regression analysis was carried out to determine the determinants of household monthly income, and to find the impact of microfinance on income and employment. The result suggests that, land holding, education, and participation has positively related to household income. However, ST/SC enters negatively. Caste of the participants, amount borrowed individually, and monitoring of the by SHPI explained much of the increase/decrease in income and employment. Principally, the study found that ST/SC population participation in the programme is limited and those have joined the programme also received little benefits from the programme. The programme has left behind the poorest section of the society, those who need at most attention. Monitoring of the group activities and providing suitable training facility is critical to materialize the benefits of microfinance