«A Study on the Availability and Utilisation of Microcredit in the Traditional Fisheries Sector of Kerala, India NIKITA GOPAL1*, P. JEYANTHI1, ...»
Asian Fisheries Science Special Issue Vol.25S (2012):243-250 Credit needs of the rural population tend to be overlapping and credit requirements for employment generation cannot strictly be separated from credit needs for household consumption. Whether credit taken for one purpose is diverted for other requirements can be studied by taking up micro-level studies. Lack of generic tools to measure the impacts, especially to quantify the role microfinance plays in the empowerment of women, is a major constraint.
Further studies are required in small scale and traditional fishing communities.
The authors thank the Director, Central Institute of Fisheries Technology, Cochin, Kerala, India for permission to publish this paper. The authors also wish to thank the respondents for their inputs during the conduct of the study.
ADB. 2000. Finance for the poor: Microfinance development strategy. Asian Development Bank, Manila. 52 pp.
ADB. 2007. Effect of Microfinance operations on poor rural households and the status of women. SST: REG 2007Special Evaluation Study, September 2007. Asian Development Bank, Manila. 96 pp.
Ducvendack, M., R. Palmer-Jones, J.G. Copestake, L. Hooper, Y. Loke and N. Rao. 2011. What is the evidence of the impact of microfinance on the well-being of poor people? Evidence of the impact of microfinance: a systematic review. 187 pp.
Gopal, N., J.C. Jeeva, M. Nasser, V. Geethalakshmi, R. Parvathy, A.R. Mohamed and E.K. Ajay. 2010. Analysis of group dynamics among women self-help groups. In: Coastal fishery resources of India: conservation and sustainable utilisation (eds. B. Meenakumari, M.R. Boopendranath, L. Edwin, T.V. Sankar, N. Gopal and G. Ninan), pp. 873-878. Society of Fisheries Technologists (India), Cochin.
Haq, M., M. Hoque and S. Pathans. 2008. Regulation of microfinance institutions in Asia: a comparative analysis.
International Review of Business Research Papers 4:421-450.
Kabeer, N. 2001. Conflicts over credit: re-evaluating the empowerment potential of loans of women in rural Bangladesh. World Development 29:63-84
Karmakar, K.G., G.S. Mehta, S.K. Ghosh and P. Selvaraj. 2009. Review of the development of microfinance services for coastal small scale fisheries and aquaculture for South Asia countries (including India, Bangladesh and Sri Lanka) with special attention to women. 70 pp.
Kurien, J. and P. Antonyto. 2000. Nets for social safety: an analysis of the growth and changing composition of social security programmes in the fisheries sector of Kerala State, India. Samudra Monograph. 72 pp.
Mahajan, V. and G. Nagasri. 1999. Building sustainable microfinance institution in India. Paper presented at the Seminar on New Development Finance, Frankfurt, September 1999 (accessed at www.sadhan.net/Adls/Microfinance) Meyer, R.L. 2002. Track record of financial institutions in assisting the poor in Asia. ADB Institute Research Paper No. 49. ADB Institute, Tokyo, 42 pp.
NABARD. 2002. Microcredit Innovations Department, NABARD, Mumbai. 84 pp.
Navajas, S., M. Schreiener, R.L. Meyer, C. Gonzales-Vega and J. Rodriguez-Meza. 2000. Microcredit and the poorest of poor: theory and evidence from Bolivia. World Development. 28:333-346.
Asian Fisheries Science Special Issue Vol.25S (2012):243-250 RBI. 2011. Report of the sub-committee of the Central Board of Directors of Reserve Bank of India to study issues and concerns in the MFI sector. 54 pp.
Swain, R.B. and F.Y. Wallentin. 2007. Does microfinance empower women? Evidence from self help groups in India. Working paper 2007:24, Uppsala University, Sweden, 30 pp.
Tietze, U. and L.V. Villareal. 2003. Microfinance in fisheries and aquaculture – Guidelines and case studies. FAO Fisheries Technical Paper 440. FAO, Rome. 101 pp.
Vonderlack, R.M. and M. Schreiner. 2001. Women, microfinance and savings: Lessons and proposals. Centre for Social Development, Washington University in St. Louis, USA, 25 pp. (accessed at http://www.microfinance.com)