By Arvind Ashta
In todays international society, microfinance presents reduce source of revenue members the chance to enhance their monetary state of affairs via a democratic, market-based strategy. complex applied sciences for Microfinance: recommendations and demanding situations is the 1st ebook to systematically tackle technologys influence on microfinance. It discusses a large choice of know-how functions that might outline the subsequent iteration of the microfinance flow and it addresses the harsh questions surrounding know-how in microfinance. for example, what are the hazards of technology-enabled microfinance and what is going to it suggest for the inclusiveness and empowerment of the carrier? This dynamic assortment is a must have for a person attracted to microfinance, even if you're a donor, lender, or investor.
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Additional info for Advanced Technologies for Microfinance: Solutions and Challenges (Premier Reference Source) by Arvind Ashta (2010-08-31)
Microfinance India: State of the Sector Report 2008. New Delhi, India: Sage Publications. AddItIoNAL REAdING Freeman, R. E. (1984). Strategic Management: A Stakeholder Approach. London: Pitman Publishing. Robinson, M. S. (2001). The Microfinance Revolution: Sustainable Finance for the Poor. Washington, DC: International Bank for Reconstruction and Development. , & Hovland, I. (2004). Tools for Policy Impact: A Handbook for Researchers. London: Overseas Development Institute. org/p/site/c/template.
A much more integrated approach, one that has the overall goal of establishing a regular source of income is needed; this can include financial services but more often starts with much more resource intensive activities, such as training and food assistance. In order to address the variety of needs many microfinance institutions have started to diversify their portfolio of products and services. Since studies (see for example Morduch, 1998) show that the ultra-poor are still left out, the question arises whether institutions operating on a large scale are flexible enough to give the very poor the specialized attention they need, since this does not only demand time but also precise knowledge of the environment - something which small and localized institutions can offer.
Next, if we consider the geographic spread of the target population, it turns out that important “catchment areas” lie in rural and semi urban areas. Referring once again to the Indian context, we note that the basic communication and power infrastructure, required for supporting computer based applications, is absent in large parts of the country, much of it in the catchment area for MFIs. 2%, Stakeholder Analysis of IT Applications for Microfinance and also the fact that a large proportion of this group comprises urban dwellers, not in the target population for MFIs.