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Significance of Income Generating Activities under Micro-Finance: A Study of Micro-Finance Groups in Wayanad District, Kerala

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  • Emil Mathew

    (Institute for social and Economic Change)

Abstract

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.

Suggested Citation

  • Emil Mathew, 2005. "Significance of Income Generating Activities under Micro-Finance: A Study of Micro-Finance Groups in Wayanad District, Kerala," Working Papers 167, Institute for Social and Economic Change, Bangalore.
  • Handle: RePEc:sch:wpaper:167
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    File URL: http://www.isec.ac.in/WP%20-%20167.pdf
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    References listed on IDEAS

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    1. Jonathan Morduch, 1999. "The Microfinance Promise," Journal of Economic Literature, American Economic Association, vol. 37(4), pages 1569-1614, December.
    2. 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.
    3. Stiglitz, Joseph E, 1990. "Peer Monitoring and Credit Markets," World Bank Economic Review, World Bank Group, vol. 4(3), pages 351-366, September.
    4. Wydick, Bruce, 1999. "Can Social Cohesion Be Harnessed to Repair Market Failures? Evidence from Group Lending in Guatemala," Economic Journal, Royal Economic Society, vol. 109(457), pages 463-475, July.
    5. Rahman, Aminur, 1999. "Micro-credit initiatives for equitable and sustainable development: Who pays?," World Development, Elsevier, vol. 27(1), pages 67-82, January.
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    Keywords

    Microfinance; Kerala;

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