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Title: Study of over Indebtedness in Microfinance Sector Indian Experience and Challenges
Researcher: Sougata Ray
Guide(s): Sushanta Kumar Mahapatra
Keywords: Arts and Humanities
University: Amrita Vishwa Vidyapeetham (University)
Completed Date: 
Abstract: This research conducts a comprehensive analysis of the over-indebtedness problem in the Indian microfinance. The study uses a quantitative approach of analysis at three different levels namely, the sector level, the microfinance institution level and the borrower household level. The sector level analysis looks into the broad trends of both the rural credit and the microfinance market at the country level and state level and evaluates if microfinance is over-indebting the poor households using secondary data. Next, the MFI level analysis focuses on the trend in the quality of asset and the performance of the for-profit MFIs over a period of eight years from 2006 to 2013. It also analyses the impact of the asset quality on performance by using a panel regression method. The financial data of 76 for-profit MFIs have been collected from Microfinance Information Exchange. The final part of the study focus is, first, on measuring the level of over-indebtedness among the micro-credit borrowing household and, second, determining the factors that drive it. The study uses both an objective measure based on total debt to income ratio and a subjective measure based on the sacrifices undertaken by households in order to estimate over-indebtedness among households. The data for the study has been collected through structured questionnaires for 280 households spread across 12 districts from four Indian states namely, Andhra Pradesh, Kerala, Odisha and West Bengal from October 2015 to February 2016. The sector level analysis indicates that microfinance institutions are over-indebting the poor households to an extent. The matrix for microfinance penetration and microcredit over-indebtedness indicate that excessive lending or borrowing is happening particularly in the urban market. It is also observed that the index for proportion of microcredit is higher in urban markets compared to rural markets. Moreover, in some of the states where MFIs have started operation in recent time the focus is more on richer households...
Pagination: XVI, 202
Appears in Departments:Amrita School of Business

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01_title.pdfAttached File279.36 kBAdobe PDFView/Open
02_certificate.pdf375.4 kBAdobe PDFView/Open
03_declaration.pdf353.73 kBAdobe PDFView/Open
04_contents.pdf255.9 kBAdobe PDFView/Open
05_acknowledgements.pdf238.91 kBAdobe PDFView/Open
06_list of figures.pdf238.89 kBAdobe PDFView/Open
07_list of tables.pdf129.95 kBAdobe PDFView/Open
08_abbreviations.pdf240.25 kBAdobe PDFView/Open
09_chapter 1.pdf259.07 kBAdobe PDFView/Open
10_chapter 2.pdf394.16 kBAdobe PDFView/Open
11_chapter 3.pdf335.13 kBAdobe PDFView/Open
12_chapter 4.pdf915.74 kBAdobe PDFView/Open
13_chapter 5.pdf560.56 kBAdobe PDFView/Open
14_chapter 6.pdf1.02 MBAdobe PDFView/Open
15_chapter 7.pdf257.34 kBAdobe PDFView/Open
16_references.pdf536.1 kBAdobe PDFView/Open
17_appendix.pdf560.23 kBAdobe PDFView/Open
18_publications.pdf126.39 kBAdobe PDFView/Open

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