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This paper tries to investigate the effectiveness of two poverty alleviation policies adopted by Indian government;(i) microfinance programme under SwarnaJayanti Gram SwarojgarYojona Scheme (SGSY) and (ii) National Rural Employment Guarantee Scheme (NREGS) to improve the economic wellbeing of...
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Swarnajayanti Gram Swarozgar Yojana (SGSY) is a government-sponsored microfinance program. The scheme is based on four features: group lending with joint liability, progressive lending, back-ended subsidy, and social capital. We propose a new model of SGSY having these features: group lending...
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The government of India had initiated bank payments of wages under Mahatma Gandhi National Rural Employment Guarantee Programme (MGNREGP). This initiative is undoubtedly a big financial inclusion drive particularly among the rural poor of India. This paper has tried to evaluate this financial...
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In this paper we consider that a representative of a not so affluent rural household has three options. He (she) may join in a microfinance system operating on the basis of individual liability credit contract, or on the basis of joint liability loan contract through forming self-help group or...
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In this paper, microfinance program through joint liability credit contract is explained with the help of a two-stage game when the program is operated by a non-motivated NGO with the help of a commercial bank and government. It is observed that even in the presence of public-private cooperation...
Persistent link: https://www.econbiz.de/10013103451
This paper shows that the Government of India supported microfinance program under Swarnajayanti Grameen Swarojgari Yojana (SGSY) scheme is partially effective in reducing poverty of the rural households. Here, a few expansions in the National Rural Employment Guarantee scheme play the...
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