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Improving Economic Position of Women through Microfinance: Case of a Backward Area, Mayurbhanj-Orissa, India


  • Jyotirmayee Kar

    () (ICFAI Business School, India,
    Indus Institute of Higher Education (IIHE) karachi Pakistan,)


This paper aims at assessing the potential of microfinance in extending credit facility to the rural poor in general, and women in particular, and examining how far such a programme has succeeded in ameliorating poverty in Orissa, the poorest state in the Indian Union. It is an attempt to arrest two individual but mutually dependent issues as regards the role of microfinance: has it succeeded in extending financial services to the poor women and has it influenced their economic condition and welfare significantly? Despite various targeted policy measures little success has been achieved in reducing the poverty level in the backward state of Orissa. The other alternative, microfinance, with its oft-repeated success story, has not made much headway in the state. The borrowers are not able to utilize the funds properly so as to help themselves out of the poverty level. The study makes some suggestions in this aspect and calls for a holistic approach encompassing financial assistance, entrepreneurial guidance and stage-wise supervision along with extensive awareness about benefits of joining a group.

Suggested Citation

  • Jyotirmayee Kar, 2008. "Improving Economic Position of Women through Microfinance: Case of a Backward Area, Mayurbhanj-Orissa, India," Indus Journal of Management & Social Science (IJMSS), Department of Business Administration, vol. 2(1), pages 15-28, June.
  • Handle: RePEc:iih:journl:v:2:y:2008:i:1:p:15-28

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    References listed on IDEAS

    1. J. Copestake & S. Bhalotra & S. Johnson, 2001. "Assessing the Impact of Microcredit: A Zambian Case Study," Journal of Development Studies, Taylor & Francis Journals, vol. 37(4), pages 81-100.
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    Cited by:

    1. Jyotirmayee Kar & Mahamaya Kar, 2008. "Environment and Changing Agricultural Practices: Evidence from Orissa, India," Indus Journal of Management & Social Science (IJMSS), Department of Business Administration, vol. 2(2), pages 119-128, December.

    More about this item


    Economic Position of Women; Microfinance through SHGs; Models of SHGs;

    JEL classification:

    • D31 - Microeconomics - - Distribution - - - Personal Income and Wealth Distribution
    • J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination


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