The Indian population lacks opportunities such as financial resources and the ability to get jobs. They are stuck in an endless cycle with no opportunities for people to lift themselves out of poverty. Microcredit has been used as a method by governments in developing countries, international funding organizations and donor agencies, in order to help the poor make money since the 1950’s. During the 1950s and1960s, the Indian government started disbursing loans to families in rural areas that worked in the agricultural sector as well as city-dwelling families to promote economic growth throughout India with collaboration with the Indian Government. Households in the agricultural market were divided into three different groups of workers who did different types of work. The ones doing similar work were put in the same group and the amount of loan they would get depended on the type of work they did.
The first group was medium to small agricultural farmers. They were the artisans and people who rear poultry and other landless livestock. The second group was micro-enterprise workers. They were either agricultural or poultry/dairy farmers who sell their crops and produce. The non-farm sector-micro-enterprise workers who work in repair shops, wooden furniture making shops, etc were also included in this group. The third group was small agricultural, poultry, dairy-based enterprises; and non-farming individuals. The group employ 6-10 workers, working in enterprises. By 1969, Prime Minister Indira Gandhi started to nationalize commercial banks. The nationalisation of commercial banks was beneficial as they could go public in order to meet some of the new policy goals, such as making it easier for non-wealthy individuals to have access t...
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...ber 2006, Available from: http://www.nabard.org/hindi/databank/pdf/Dec_NewsLetter_For_Mail.pdf [2 October 2009].
MICRO FINANCE IN INDIA: a state wise analysis-DR (MS) RAVI KIRAN
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Most people feel that they should help the needy in some way or another. The problem is how to help them. This problem generally arises when there is a person sitting on the side of the road in battered clothes with a cardboard sign asking for some form of help, almost always in the form of money. Yet something makes the giver uneasy. What will they do with this money? Do they need this money? Will it really help them? The truth of the matter is, it won't. However, there are things that can be done to help the needy. Giving money to a reliable foundation will help the helpless, something that transferring money from a pocket to a man's tin can will never do.
After completing the group theoretical framework project for class, I was able to further understand the difference between traditional and alternatives theories. Furthermore, I obtain a better understanding and perception of both Erickson and Gilligan’s theories. This paper will on reflect my critical understanding and perceptions of the use of Erikson and Gilligan’s theories with marginalized populations in social work practice. As well as any ethical issues that I saw when applying these theories to a client’s situation.
The problems that Microcredit programs attempt to solve are the problems of moral hazard, asymmetric information, and adverse selection.
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This is necessary as the vast majority of individuals migrating from rural to urban centers has been steadily increasing with the level of economic growth seen within the past twenty years as mentioned earlier. Unfortunately, this situation has further shown the structural issues and inequalities of cities, as most migrants end up having a poor quality of life living in informal settlements as highlight substantially by Boo. As a means of tackling this, however, the Indian government has turned its focus on investing rural regions, developing the agricultural sector. Specifically, Boo mentions that “the prime minister, Manmohan Singh, had come down from Delhi to express his concern for the farmers’ hardships, and the central government’s determination to relieve it” (p. 138). While this is definitely important funds are not being divided justly. For starters, between rural and urban areas almost all investments are being targeting towards rural regions, which is only addressing issues of inequality in one section of the country. Furthermore, across rural areas inequalities of investment are quite often overlooked. Although, “one of the governments hopes was to stop villagers from abandoning their farms and further inundating cities like Mumbai, but Asha’s relatives knew nothing of these celebrated relief programs” (p. 138). Therefore, even though
I have five years of experience in providing a variety of community services. One of the agencies I worked with was the Self-Employed Women’s Association (SEWA). SEWA is a registered trade union of self-employed women who constitute 93% of the labour force of India. SEWA is both an organisation and a movement. It aims to organise women workers for full employment, whereby they obtain work security, income security, food security and social security (particularly health care, child care and shelter). I was associated with the health care
Studies address financial barriers to providing health care services to rural patients. There a disparate amount of people who are not insured and rely on government resources to help assist them in health care finances which is difficult for health professional to have a successful practice (Stamm, Lambert, Piland, & Speck, 2007). In addition, elderly lacks access to social and health services and does not have insurance to pay for services. In this study mention how “rural elders are more likely to enter in nursing homes at earlier ages because of loneliness and depression” (p.301). Additionally, professional practicing in rural areas are pressure to service clients in the rural community due to low socioeconomic and isolated population growth which cause the practice to be difficult to provides for the community. It is important for social workers to be aware of the different challenges their client face while seeking health care services in the rural
Cause was a social innovation in the form of a restaurant. The idea was that the creators would run a restaurant, called a “philanthropub”, in Washington, D.C. (Sidman). However, instead of being a traditional non-profit organization, Cause was ran as a for-profit company that acted like a non-profit by donating extra profits to charity. However, 14 months after opening, the philanthropub closed its doors (Bhattarai). Two major problems factored into Cause’s failure, the inflated expectations and subsequent backlash by the public against the company and the owners’ lack of experience and commitment to the venture.
At that time National Savings and Investment Bank was the only bank which was incorporated by a Parliament Act. There was no regulatory framework which led private sector savings banks to carry out its activities. The main problem that PSDB had to face was that the bank did not have “parate execution” rights which allows to sell mortgage property when loans are defaulted by customers. This “parate execution” gives the rights to recover the loan which defaulted by the customers by passing a board meeting resolution and placing paper advertisement informing about the decision. Since Pauma bank did not have that right, it had to consult civil law to recover loans but it was not practical for the bank.
Social policy is widely seen to include policy and programmes which aims at dealing with income security and income redistribution as well as well being, education and social services that support individual’s quality of life in the communities. Economic activities by the government and authority bodies such as social groups, charities and local associations bring about the material means to promote and encourage healthy economy. Social welfare is not only determined by the government services as it includes the way families take responsibility for their own welfare such as solving their own problems through their efforts and hard work to earn income that would sustain them. Also the contributions made by the Religious bodies for example tite payment in church and specialised institution they provide for the elderly, mentally ill and orphans is one of the means welfare of people is met (Titmuss 1947, p.30-31). Social policy can include a number of purposes; it can help to distribute resources among members of a country to ensure that good standards of living are maintained, It can shape individuals social and economic behaviours, it can alter
Overall, microcredit has helped millions of people around the world and it continues to have a great impact on poor people, informing them that all they need is a little ‘push’ or start-up money to begin creating a better life and subsequently a better community. Each organization has its own goals and purposes depending on the country where they reside as well as different challenges that have appeared. Microcredit is helping poor people and small business owners to better themselves as well as to their families and have their time, skills, and ideas utilized in an effective and positive way.
For this to occur however, requires an understanding of culture and society, as well as governance and process. In addition, I have also understood the power of strength based approach, how strength based therapy used in relationships an essential factor among group members. I view this class as the opportunity to practice how effectively work with groups and individuals to understand their own inherent power. Therefore, I learned the way of using a strengths-based approach; I can highlight the assets of group members, offering building blocks which can then lay the foundation of their social change. Furthermore, I understand change could be a mutual process, so in group therapy until group members became comfortable with each other to share their experiences giving them space and later help them to engage in along with group process. I also learn how to help in the facilitation of change, by asking open questions, validating, empathic and allowing them to feel what they are feeling, and empower them what they wants to do with their current
Established in 1978, HelpAge India(HI) is a nongovernmental organization in India. The Mission of HelpAge India is to help senior citizens in India and improve their quality of life. HI hopes to fight against poverty, provide health insurance for elderly, and promote a more dignified, healthy, and active life for elderly Indian. Currently, the organization strives to achieve “Vision 2020.” By the year of 2020, HelpAge India strives to advocate a national movement of elders to let their voice heard by Indian people and gives them political constituency; to achieve health and livelihood security for two million elderly; to provide age appropriate services to 12 million elderly. In addition. The organization