Herani, Gobind M. and Rajar, Allah Wasayo and Dhakan, Ali Akbar (2007): Self-Reliance Micro-Finance in Tharparkar-Sindh: Suggested Techniques. Forthcoming in: Indus Journal of Management & Social Sciences No. Vol.1, No.2, (Fall) (2007): pp. 147-166.
Download (347kB) | Preview
In this paper attempt has been made to analyze the conditions and possibilities for Self-Reliance Micro-Finance (SRMF), and propose a Thar Micro-Finance Bank (TMFB) and suggest implications. This study is about Tharparkar but concept is general. The study reveals that the proposed bank can be established in Tharparkar. Some active NGOs have started such type of programs in some of the villages out of these some people are getting benefits. Introducing this system requires motivation and awareness among people about its benefits. This system will give dual benefits, first the assistance and second completion of social and economic projects. People will get benefit at the required time. This practice will save time and expenditure, which would be utilized for the disbursement of funds to be distributed by donors and government at the time of famine conditions and other emergencies like earth quack, cyclone and damages during rainfall, etc. This system will provide the safety nets to Tharis that will alleviate poverty to enable the Thari people to prosper, thus improving the economy of Pakistan.
|Item Type:||MPRA Paper|
|Institution:||Indus Institute Of Higher Education (IIHE), Karachi, Pakistan|
|Original Title:||Self-Reliance Micro-Finance in Tharparkar-Sindh: Suggested Techniques|
|Keywords:||Access to demand driven Self-reliance Microfinance; Depositing; Insurance; Education; Awareness; Motivation|
|Subjects:||D - Microeconomics > D9 - Intertemporal Choice > D92 - Intertemporal Firm Choice, Investment, Capacity, and Financing
D - Microeconomics > D3 - Distribution > D31 - Personal Income, Wealth, and Their Distributions
G - Financial Economics > G2 - Financial Institutions and Services > G21 - Banks ; Depository Institutions ; Micro Finance Institutions ; Mortgages
|Depositing User:||Gobind M. Herani|
|Date Deposited:||03. Nov 2007|
|Last Modified:||13. Feb 2013 23:06|
ADB. 2001. Asia Rural Study: Beyond the green revolution. Manila: ADB (Asian Development Bank) Bryceson, D. 1996. De-agrarianization and Rural Employment in Sub-Saharan Africa: A Sectoral Perspective. World Development, 24 (1): 97-111. Bryceson, D. and V. Jamal (eds.). 1997. Farewell to Farms: De-agrarianisation and Employment in Africa. Aldershot: Ashgate. Bryceson, D. 2000. Rural Africa at the Crossroads: Livelihood Practices and Policies. ODI Natural Resource Perspectives, No.52. CGAP. 2003. CGAP Phase-III Strategy: 2003-2008. Washington, DC: Consultative Group to Assist Poorest. Christen, Robert Peck. 2000. Commercialization and Mission Drift: The Transformation of Microfinance in Latin America. Consultative Group to Assist Poorest. (CGAP). Occasional paper, No.5. Washington, Dc: CGAP Christen, Robert Peck and Debora Drake. 2002. Commercialization. In The Commercialization of Microfinance: Balancing Business and Development. Edited by Deborah Drake And Elisabeth Rhyme. Bloomfield, Ct: Kumarian Press Dawn. 2005. Micro Bank: Guidelines for NGOs in Pakistan. Karachi: Feb, 26 Dawn. 2005. Pakistan Microfinance Network. Karachi: Feb, 26 Ellis, Frank. 2000. Rural Livelihoods and Diversity in Developing Countries. Oxford: Oxford University Press. Ellis, Frank. 1999. Rural Livelihood Diversity in Developing Countries: Evidence and Policy Implications. Natural Resource Perspectives Number 40, ODI. http://www.odi.org.uk/nrp/40.html Hulme, D. and P. Mosley. 1996. Finance Against Poverty, Vol.1,. London: Routledge. Hussein, Karim and John Nelson. 1999. Sustainable Livelihoods and Diversification, IDS Working Paper 69, London: Institute of Development Studies. Herani, Gobind M. 2002. A Comparative Study of Agro-based Industry of Tharparkar with Canal Barrage Area Sindh (1988-2000) Suggested Techniques Leading to an Industrial Economy. Sindh: PhD Theses, Department of Economics, University of Sindh, Jamshoro, April Herani, Gobind M., Allah Wasayo Rajar and Muhammad Ali Khaskheli. 2007. Reforming Farmland and Rangeland in Tharparkar: Suggested Implementations for Income Generation. Indus Journal of Management and Social Sciences, Vol. 1, No.1:16-36 (Spring) Hussain, Ishrat. 2004. Financial Sector Reform and Pro-Poor Growth, Key Address, 21st February: 13-14. Governor, State Bank of Pakistan. Johnson, S. and B. Rogaly. 1997. Micro Finance and Poverty Reduction. Oxford: Oxfam. Mithal, S.P, Mohd Rafiq Khan. 1976. History of Rural Development in Modern India. Vol - IV. India: Gandhian Institute of Studies. India: Janana mandal Ltd. Kabir Ch.Haura, Varansi. Pakistan. 2005. Pakistan & Gulf Economist, Feb, 28-March 6, email@example.com Poyo, Jeff and Robin Young. 1999. Commercialization of Microfinance: Aframework for Latin America. United States Agency For International Development Microinterprise Best Practices Projects. Washington, DC: Development Alternatives, Incl. Robison, M.S. 2001. The Micro-finance Revolution. SustainableFinance for the Poor Vol. 1: 9. Washington, DC:World Bank. Sanderatne, N. 2002. Provocative Issues in Commercialization of Microfinane . Finance for the poor 3(1):1-4. Manila: ADB Simanowitz, Anton and Alice Walker. 2002. Ensuring Impact: Reaching the poorest while building financially self-sufficient institutions, and showing improvement in the lives of the poorest women and their families. Unpublished background paper for the Microcredit Summit + 5, New York, 10-13 November, available at <http://www.microcreditsummit.org/papers/papers.htm>. Zaman, H. 2001. Assessing the Poverty and Vulnerability Impact of Micro Credit in Bangladesh: A Case Study of BRAC. Unpublished background paper for World Bank, World Development Report 2000/2001 (Washington, World Bank). www.Denmark.com www. Grameen. Com www. Case studies in microfinance AKRSP