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A Study on the Impact and the Requirements of Managerial Aspects in Microfinance


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1 Doctoral Scholar, Department of Commerce and International Trade, Karunya Institute of Technology and Sciences Deemed University, Coimbatore. Tamil Nadu, India
     

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This study examines the impact of microfinance lending by assessing the livelihood status of borrowers in the preand post-credit scenarios, based on a field work conducted in Kottayam district, Kerala. While doing so, this study also ascertained the perception of borrowers about managerial and training requirements. The results revealed a significant difference in all the three parameters in the post-credit period, namely, physical, financial and employment generation aspects. While credit disbursement was rated as efficient, there was no mid- term corrections and training. Also, there was no separate mechanism for identifying options for better return on investments and identifying bottlenecks in production system. The additional training for human resources development was felt by nearly all respondents. This study emphasises that the microfinance programme has to evolve separate training modules for its participants to make the interventions more successful.

Keywords

Microfinance, Human Resources, Managerial Aspects and Training
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  • A Study on the Impact and the Requirements of Managerial Aspects in Microfinance

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Authors

Divya Sajan
Doctoral Scholar, Department of Commerce and International Trade, Karunya Institute of Technology and Sciences Deemed University, Coimbatore. Tamil Nadu, India

Abstract


This study examines the impact of microfinance lending by assessing the livelihood status of borrowers in the preand post-credit scenarios, based on a field work conducted in Kottayam district, Kerala. While doing so, this study also ascertained the perception of borrowers about managerial and training requirements. The results revealed a significant difference in all the three parameters in the post-credit period, namely, physical, financial and employment generation aspects. While credit disbursement was rated as efficient, there was no mid- term corrections and training. Also, there was no separate mechanism for identifying options for better return on investments and identifying bottlenecks in production system. The additional training for human resources development was felt by nearly all respondents. This study emphasises that the microfinance programme has to evolve separate training modules for its participants to make the interventions more successful.

Keywords


Microfinance, Human Resources, Managerial Aspects and Training

References