Significance of Income Generating Activities under Micro-Finance: A Study of Micro-Finance Groups in Wayanad District, Kerala
The present paper discusses the necessity of promoting income-generating activities (IGAs) under micro-finance programmes. Under micro-finance programmes, the principle of joint liability ensures access to credit. In the absence of remunerative IGAs, peer pressure forces the members to borrow loans from various sources at the time of repayment and results in indebtedness. The present paper examines the factors influencing the members to undertake IGAs and puts forth some policies to promote productive activities.
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- Sharma, Manohar & Zeller, Manfred, 1997. "Repayment performance in group-based credit programs in Bangladesh: An empirical analysis," World Development, Elsevier, vol. 25(10), pages 1731-1742, October.
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