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1、SW-INTERNATIONALREFERREDJOURNALOFARTSSCIENCE&COMMERCE-E-ISSNNO-2320-3145MICROFINANCETORURALPOOR:ATOOLFORPOVERTYALLEVIATIONDr.B.Vijaya,Veerendrakumar,Professor,DepartmentofCommerce,ResearchScholar,GulbargaUniversity,Gulbarga,DepartmentofCommerce,Karnataka,
2、India.GulbargaUniversity,Karnataka,India.ABSTRACTMicrofinanceisemergingasapowerfulinstrumentforpovertyalleviationintheneweconomy.Beyondthedirectlinkwithpovertyreduction,itisanindirectlinktoaddresstheissuesofhealth,educationandgender.Microfinancecovernoton
3、lyconsumptionandproductionloans,butwillalsoincludeothercreditneedssuchashousingandshelterimprovements.Womenconstituteavastmajorityofusersofmicro-creditandsavingsservices.Thedifferentorganizationsinthefieldofmicrofinancecanbeclassifiedas“Mainstream”and“Alt
4、ernative”MicroFinanceInstitution.NationalAgriculturalBankforRuralDevelopment(NABARD),SmallIndustriesDevelopmentBankofIndia(SIDBI),HousingDevelopmentFinanceCorporation(HDFC),CommercialBanks,RegionalRuralBanks,thecreditcooperativesocietiesetc.,aresomeofthem
5、ainstreamfinancialinstitutionsinvolvedinextendingmicrofinance.Ontheotherhand,institutionshavecomeuptofillthegapbetweenthedemandandsupplyformicrofinance.Keywords:PovertyAlleviation,RuralPoor,InstitutionalMechanismswww.scholarsworld.neteditor@scholarsworld.
6、netVolume.1,Issue.1January2013[7]SW-INTERNATIONALREFERREDJOURNALOFARTSSCIENCE&COMMERCE-E-ISSNNO-2320-31451.INTRODUCTION:Microfinanceisemergingasapowerfulinstrumentforpovertyalleviationintheneweconomy.Beyondthedirectlinkedwithpovertyreduction,itisanindirec
7、tlinktoaddresstheissuesofhealth,educationandgender.Microfinancecovernotonlyconsumptionandproductionloans,butwillalsoincludeothercreditneedssuchashousingandshelterimprovements.Womenconstituteavastmajorityofusersofmicro-creditandsavingsservices.Thedifferent
8、organizationsinthefieldofmicrofinancecanbeclassifiedas“Mainstream”and“Alternative”MicroFinanceInstitution.NationalAgriculturalBankforRuralDevelopment(NABARD),SmallIndustriesDevelopmentBankofIndia(SIDBI),HousingDevel
