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Significance of income generation activities under micro-finance: A study of micro-finance groups in wayanad district, kerala
(Institute for Social and Economic Change, 2005) Mathew, Emil.
The present paper discusses the necessity of promoting income-generating activities (IGAs) under micro-finance programmes. Under micro-finance programmes, the principle of joint liability ensures access to credit. In the absence of remunerative IGAs, peer pressure forces the members to borrow loans from various sources at the time of repayment and results in indebtedness. The present paper examines the factors influencing the members to undertake IGAs and puts forth some policies to promote productive activities.
Does repayment indicate the success of micro-finance programme
(Institute for Social and Economic Change, 2006) Mathew, Emil.
This paper examines the patterns of loan utilisation and repayment among microfinance group members of Wayanad district of Kerala. It argues that 100 per cent repayment by members need not always indicate the success of group lending. As majority of the members have not undertaken income generating activities, the fear of social sanction and repeated interactions put pressure on them to depend on micro-finance loans at the time of repayment. The absence of alternative credit sources increases the financial dependence of the members over a period of their stay in micro-finance programme.