2nd National Seminar on Microfinance – Issues and Challenges
The phenomenal growth of Indian microfinance sector and its potential for further expansion attracts everyone in terms of product deepening, diversification and expansion of geographical spread.
The Self Help Group-Bank Linkage Programme (SBLP), pioneered by NABARD in 1992, has emerged as the largest and the fastest growing community based microfinance programme in the world resulting in credit-linkage of more than 4.85 million SHGs as on 31st March 2010.
The Microfinance Institutions (MFIs) too have emerged as strong players in supplementing the role of formal financial institutions in providing microfinance services to the poor. However, despite various policy interventions aimed at upscaling the efforts to bring in the excluded families, particularly the weak and vulnerable members of society including those who live on the fringe of forests, tribals, etc., within its fold, financial exclusion continues to deprive millions of people living below a sustainable level of income. The comparatively disadvantageous groups like various tribal communities struggling to have assured means for livelihood need to be approached in an entirely different manner than what is generally designed for people living in other parts of the country.
There is also a need to debate on the sustainability of SHG-Bank Linkage programme itself which has completed about 20 years of its existence in various forms in the country and now regarded as the world‟s largest community based programme. The issue needs to be viewed from the angle whether an SHG member in the rural area has really gained the competence and confidence of providing a physical collateral security for his/her credit needs from the formal banking system.
Further, on account of unemployment and under-employment in various rural parts of the country, sizeable rural population migrates to semi urban and urban areas of the country in search of employment. One of the problems relating to migrant workers is the lack of opportunity to husband their daily small savings at their places of work and remittance of their saved money to their native place. If the issue of remittance is tackled in a manner suitable to migrant workers and their family members (recipients), it will definitely create a dent on the poverty of the migrant workers‟ families.
Further if the migrant workers are SHG members, their families can pay the thrift/ repay the loan installment without any default and thus can continue their effective membership in the SHGs of their villages.
Of late, the experiments like Joint Liability Groups, producers groups, etc., have led to the increased application of micro-finance approaches in meeting the credit needs of the agricultural sector. However, much has to be done in bringing the small farmers, marginal farmers, tenant farmers, share croppers and oral lessees into the microfinance movement so as to provide opportunities for them to sustain their farming operations leading to increased income for their families.
The microfinance sector across the globe, over the past few years, has shown tremendous growth in terms of its efficiency and outreach which was made possible due to various experiments done by diverse stakeholders in different parts of the world. However, in spite of best efforts of the Rural Financial Institutions (RFIs) and the MFI sector, the magnitude of financial exclusion is truly staggering. Further, one of the key challenges facing the policy makers today is how to make the growth process more inclusive. In this background, it is felt that results of various successful models/ experiments need to be widely disseminated amongst all the stakeholders in order to provide suitable options, particularly to those practitioners who are concentrating in regions where microfinance has not yet penetrated.
These challenges call for a need on the part of all the stakeholders in the microfinance sector to come together and share their experiences on the issues identified for the seminar. They may adopt and implement innovative approaches after learning from experiences and innovations made by other experts in various fields of microfinance.
Centre for Microfinance Research
In this background, the Centre for Microfinance Research (CMR) is organising the Second National Seminar on ‘Microfinance in India – Issues and Challenges’ to provide a common platform to a wide spectrum of policy makers, academicians and experts from mFI sector for interactive deliberations and discussions on the following four themes:
- Agriculture and Microfinance
- Tribal Economy and Microfinance
- SHG Bank Linkage Programme – Looking Ahead – The Roadmap
- Migrant Workers : Tackling issues relating to remittances
There will be four Technical Sessions on each of the four themes indicated above. Each session will have a Panel consisting of 3-4 eminent experts/practitioners from the sector and one among them will be the Chairperson for that session. 3-4 papers of original research done in the microfinance sector will be presented by various Authors followed by floor discussions in each Technical Session.
Prof B.B. Bhattacharya, Vice Chancellor, Jawaharlal Nehru University has given his kind consent to be the Chief Guest of the seminar. On the sidelines of the seminar, technology vendors will be showcasing their products and services useful for microfinance sector.
Duration of Seminar & Nomination
The programme would commence at 10.00 AM on 21 February 2011 at BIRD, Lucknow and will conclude at 05.30 PM on 22 February 2011.
Nominations along with participation fee must reach us by 15 February 2011.
The format given along with this brochure may be used for registration. Interested participants may send the duly filled-in registration forms by post or by Email to firstname.lastname@example.org, email@example.com or firstname.lastname@example.org
Download Nomination Form at the link below
Registration Fee & Mode of Payment
|Particulars||Indian delegate||Foreign delegate|
|Without boarding and lodging||Rs 2000||USD 200|
|With boarding and lodging||Rs 4000||USD 400|
(with ID proof)
|Rs 500||USD 50|
Indian delegates may pay participation fee by demand draft drawn in favour of Bankers Institute of Rural Development payable at Lucknow. Foreign delegates may pay their fee by means of Swift Transfer. For details of swift transfer, please contact at email@example.com, firstname.lastname@example.org or email@example.com.
The venue of the conference shall be at Bankers Institute of Rural Development (BIRD), Lucknow.
BIRD has centrally air conditioned self-contained single room accommodations. Prior confirmation may have to be obtained for availing Boarding and Lodging facility. Participants are required to tender the confirmation letter to the Reception at the time of checking in the hostel rooms.
Bankers Institute of Rural Development (BIRD) established in 1983 by National Bank for Agriculture and Rural Development (NABARD), is a premier training, research and consulting organization in India working in the field of agriculture, rural development, microfinance and development banking. This ISO : 9001 : 2008 certified Institute conducts international and national level as well as region-focused, issue-specific and research-based training courses and seminars, as well as feasibility, diagnostic studies, exposure visits, etc., for rural financial institutions including NGOs and MFIs. It has undertaken several important consultancy assignments for international bodies like South Asian Association for Regional Co-operation (SAARC), International Fund for Agriculture Development (IFAD), World Bank, United Nations Development Programme (UNDP), Department for International Development (DFID), ILO, Govt of India, etc.
It has been regularly conducting training programmes on Projects, Finance, Microfinance, HR, IT and Rural Development for Banks, Government Departments / Corporations, Development Organisations and NGOs. Demand based international training programmes are also conducted by BIRD. It has also started one year fully residential Post Graduate Diploma in Rural Banking from July 2010 for making available trained personnel to man rural financial institutions.
BIRD is located in a sprawling lush green compact campus of 42 acres, at a distance of 6 kms from Lucknow Airport and 9 kms from Lucknow Railway Station. It is fully equipped with centrally air-conditioned state-of-the-art class rooms, seminar/discussions rooms, computer lab, conference hall, auditorium, library, hostel, gymnasium, indoor games court, lounge, etc.
Centre for Microfinance Research (CMR) is set up within BIRD in 2008 to take up research activities in the field of microfinance for facilitating policy initiatives and improvements in design and delivery system of microfinance services. The vision and mission is to emerge as a centre of reference for information, knowledge and valued opinion related to the microfinance sector and strengthen the microfinance sector through supply of researched inputs that facilitate policy initiatives / improvement in design and delivery systems that provide poor with sustainable access to quality financial services. CMR has four sub-centres located at Indian Institute of Bank Management, Guwahati, Centre for Microfinance –
Institute of Financial Management and Research, Chennai, Institute of Development Studies, Jaipur and Chandragupt Institute of Management, Patna.
Situated on the banks of river Gomti, at a distance of 500 Kms. from National Capital Delhi, the ancient city of Lucknow is the capital of the State of Uttar Pradesh. Lucknow is internationally known for its traditional culture and hand-woven embroidery chikankari.
A number of national level institutions, such as Central Drug Research Institute (CDRI), Central Institute for Medicinal & Aromatic Plants (CMAP), National Botanical Research Institute (NBRI) and Indian Institute of Management (IIM) are located in the city. Lucknow experiences a temperature variation from a peak of 46 C during summer (April to June) to as low as 20 C during winter (November to January).
Although the winter may recede in February, it is advisable to come with adequate woollen clothings for comfortable stay.
Lucknow is well connected by air and rail to major cities of India. Delegates arriving by air are required to alight at Lucknow‟s Amausi Airport which is just 6 kms from the Institute. Prepaid Taxi services are available at the airport. Delegates arriving by train are required to alight at Lucknow‟s Charbagh Railway Station. Pre-paid auto and other modes of transport are available at the station to reach the Institute. The distance between Lucknow railway station and BIRD is about 9 kms.
Enquiries and nominations along with fee may be addressed to:
Bankers Institute of Rural Development (BIRD) Sector “H”,
L.D.A. Colony, Kanpur Road, Lucknow – 226 012 (India)
Phone No.: 91-522- 2421007 / 2421187 / 2421137 / 2421055 / 2421182.
Fax : 91-0522-2412047 / 2421176