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Microfinance And Self-Help Finance System To Reduce Poverty From Pakistan: An It-Based Solution

Author

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  • Gobind M. Herani

    () (Khadim Ali Shah Bukhari Institute of Technology, Karachi.)

Abstract

The aim of this paper is to find out the techniques and suggest computer-based solution to reduce poverty from Pakistan, and suggest sustainable management of micro-Finance and Self-help Finance systems. Literature review at national and international level reveals that many researchers have attempted to suggest microfinance as a tool to reduce poverty. Self-help financing blended with donor’s finance is also successfully being practiced. Model of Grameen Bank is also being replicated with some modification as per demand of the localities, as there is always a room for improvement with scientific and technological inventions. Computer technology, as it is already playing its role in various fields, can be fruitfully utilized for proper management of this proposed project. Presently NADRA e-Sahulat and Telenor’s easy paisa are programs that have capability to help the masses with maximum accuracy in the financial transactions. Some studies also encourage establishing a microfinance bank, with small deposits plus donor’s funds, to be electronically managed by NGOs and controlled by organizations of indigenous peoples in villages. This study concludes that by reducing manpower intermediate-expenditure and irregularities will reduce poverty and will help in saving the amount for maximizing their own welfare. Presently, facilities are already available with latest technology, which if modified and innovated will bear fruit. This study suggested that how national and international donor Agencies should get accurate real-time information relating dissemination of their funds in right-hands, with to increased efficiency and decreased management expenditure.

Suggested Citation

  • Gobind M. Herani, 2010. "Microfinance And Self-Help Finance System To Reduce Poverty From Pakistan: An It-Based Solution," Indus Journal of Management & Social Science (IJMSS), Department of Business Administration, vol. 4(1), pages 57-63, December.
  • Handle: RePEc:iih:journl:v:4:y:2010:i:1:p:57-63
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    File URL: http://indus.edu.pk/RePEc/iih/journl/4(1)2010-(5).Poverty-IT.Gobind.pdf
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    References listed on IDEAS

    as
    1. Herani, Gobind M., 2008. "Agro-based industry of Tharparkar and barrage area of Sindh: Conclusion remarks," MPRA Paper 12141, University Library of Munich, Germany.
    2. Gobind M. Herani & Allah Wasayo Rajar & Ali Akbar Dhakan, 2007. "Self-Reliance Micro-Finance in Tharparkar-Sindh: Suggested Techniques," Indus Journal of Management & Social Science (IJMSS), Department of Business Administration, vol. 1(2), pages 147-166, December.
    3. Herani, Gobind M., 2007. "Computerized National Identify Card, NADRA KIOSKs and its prospects," MPRA Paper 6328, University Library of Munich, Germany.
    4. Gobind M. Herani & Pervez Wasim & Allah Wasayo Rajar & Riaz Ahmed Shaikh, 2008. "The Nature of Poverty and Its Prospects: Pakistan Evidence," Journal of Global Economy, Research Centre for Social Sciences,Mumbai, India, vol. 4(3), pages 184-195, September.
    5. Herani, Gobind M., 2002. "Agro-based Industry of Tharparkar and Barrage Area of Sindh: Solutions and Suggested Policy," MPRA Paper 16066, University Library of Munich, Germany.
    6. Herani, Gobind M., 2009. "Establishment of Micro-Finance Bank, Utilizing NADRA’s Computerized Facilities: Suggestions for BISP, Asian Bank, World Bank and Donors Agencies to Disburse Funds," MPRA Paper 19576, University Library of Munich, Germany.
    7. Falendra K. Sudan & Falendra K. Sudan, 2007. "Livelihood Diversification and Women Empowerment Through Self-Help Micro Credit Programme: Evidence from Jammu and Kashmir," Indus Journal of Management & Social Science (IJMSS), Department of Business Administration, vol. 1(2), pages 90-106, December.
    8. Herani, Gobind M., 2008. "Livlihood Diversification and Opinion Polls’ Analysis: Evidence From Tharparkar-Sindh (Pakistan)," MPRA Paper 8050, University Library of Munich, Germany.
    9. Ellis, Frank, 2000. "Rural Livelihoods and Diversity in Developing Countries," OUP Catalogue, Oxford University Press, number 9780198296966.
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    Cited by:

    1. Herani, Gobind M., 2011. "Mode of compensation to internally displaced persons (IDPs) from Thar coalfields areas of Sindh," MPRA Paper 34191, University Library of Munich, Germany.

    More about this item

    Keywords

    Microfinance; Self-Help Finance; NADRA e-Sahulat; Tameer Bank and Easypaisa;

    JEL classification:

    • B21 - Schools of Economic Thought and Methodology - - History of Economic Thought since 1925 - - - Microeconomics
    • D85 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Network Formation
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • J23 - Labor and Demographic Economics - - Demand and Supply of Labor - - - Labor Demand
    • J62 - Labor and Demographic Economics - - Mobility, Unemployment, Vacancies, and Immigrant Workers - - - Job, Occupational and Intergenerational Mobility; Promotion
    • M54 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Personnel Economics - - - Labor Management

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