Performance of the Micro Finance Providers in Maharashtra

Annexure Questionnaire:
1) Age: o 21 to 30 years o 31 to 40 years o 41 to 50 years o 51 to 60 years 2) Sex: o Male o Female 3) Civil Status : o Married o Single o Separated 4) Highest Educational Attainment: o No Schooling o High School o College o Graduate o Post Graduate 5) Do you need loan? o Yes o No 6) From where would like to take loan? o Bank o MFIs o Non-banking Companies o Trust o Others

Performance of the Micro Finance Providers in Maharashtra 7) What kind of approach do you think the RBI has towards the microfinance sector? o Positive o Negative o Neutral 8) What you do with that Loan Amount (Loan Use)? o Emergency Reason o Expanding Business o Working Capital o Debt reimbursement o House Improvement o Own Consumption o Occasional Reasons 9) According to you which is better loan? o Local Zamindars o Microfinance Institution o Bank o Others 10) Have you ever faced any violation on you, if you could not able to repay loan amount? o Yes o No

Performance of the Micro Finance Providers in Maharashtra

APPENDICES / GLOSSARY

a. Credit: A contractual agreement, in which a borrower receives something of value now, with the agreement to repay the lender at some date in the future.

b. Credit delivery models: These are the path through which micro finance/credit flow from apex level institutions to ultimate SHG members.

c. Expended: It is the total amount that is been forwarded from the micro finance providing institutions to the SHGs.

d. Interest: The charge for the privilege of borrowing money, typically expressed as an annual percentage rate.

e. Loan: When a lender gives money or property to borrower and the borrower agrees to return the property or repay the borrowed money, along with interest, at a predetermined date in the future

f. Lending: To provide (money) temporarily on condition that the amount borrowed be returned, usually with an interest rate.

g. Micro finance: Provision of thrift, credit and other financial services and products of very small amounts to the poor in rural, semi urban or urban areas for enabling them to raise their income levels and improve living standards.

h. Micro financial providers: Micro financial providers are those, which provide thrift, credit and other financial services and products of very small amounts mainly to the poor in rural, semi - urban or urban areas

Performance of the Micro Finance Providers in Maharashtra for enabling them to raise their income level and improve living standard which may also includes non-governments. i. Micro credit: Refers to a small loan to a client made by a bank or other financial institution.

j. NGO: Non-governmental organization, which is an informal supplementary credit delivery mechanism for lending at group level

k. Over dues: It is conceptualized as the non- repayment of any part or full amount of loan by the borrower to any financial institutions within the time specified for the repayment.

l. Repayment: The act of returning money received previously. m. Saving: Refer to the various kinds of deposit amount of the farmers/ beneficiaries and others kept in any financial institutions.

n. Self employment: The status of an individual who rather than accepting a position as an employee of another person or organization choose to go into business for him or herself.

o. Self help groups: These are voluntary groups come together for obtaining loans from financial institutions in order to employ income generating activities to improve their standard of living.

Performance of the Micro Finance Providers in Maharashtra

BIBLIOGRAPHY

A. BOOKS REFFERED 1. Joanna Ledgerwood, Microfinance Handbook, Year of publication:- 1998, E-Mail:- books@worldbank.org 2. E. Mrudula and V. R. P. Kashyap, Microfinance Institutions (Concept and Experiences), Year of Publication:- 2005, E- Mail:- icfaibooks@icfai.org

B. WEBSITES REFFERED

a. www.microfinancefocus.com b. http://www.indg.in/social-sector/microfinance/microfinanceself-help-groups-shg c. http://blog.santoshmaharshi.com/2009/09/29/the-list-of-microfinance-micro-credit-institutions-in-india/

d. http://www.nabard.org/pdf/report_financial/Chap_VII.pdf

C. JOURNALS REFFERED The Journal of Business Perspective 1, Deepak Barman, Himendu P. Mathur and Vinita Kalra, Vol. 13l No. 3l JulySeptember 2009

The IUP Journal of Agricultural Economics, K K Tripathy and Sudhir K Jain, Vol.- VIII No. 3, 2011