Microfinance, NGO capability building and poverty: a study of poor women in India

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Mackenzie, Robert (2019) Microfinance, NGO capability building and poverty: a study of poor women in India. Other Degree thesis, Victoria University.


This study set out to identify the specific success factors and impacts microfinance has for poor women who predominate in microfinance programs and to articulate policies to raise poor women above subsistence level in India. The study collected data from 200 poor female member of two organisations Vagad Region Service Research Organisation and Self Employed Women’s Cooperative Bank in India. The three data sets from surveys, case studies of selected members and interviews with staff from the respective organisations were triangulated. The results indicate membership of SEWA and VLSSS, gives members access to financial and non- financial products and services which enable them to improve their general standard of living. The poor female members predominate in microfinance because they value access to credit have high repayment rates, invest in the family, and use credit to escape social restrictions. Polices that can assist poor women to rise above subsistence level include providing access to decent health care, vocational training, and functioning education system, investment in public transport and road infrastructure and licences to run a business.

Additional Information

Doctorate of Business Administration

Item type Thesis (Other Degree thesis)
URI https://vuir.vu.edu.au/id/eprint/40461
Subjects Historical > FOR Classification > 1402 Applied Economics
Historical > FOR Classification > 1502 Banking, Finance and Investment
Historical > FOR Classification > 1605 Policy and Administration
Historical > Faculty/School/Research Centre/Department > College of Business
Keywords microfinance; women; poor; subsistence level; India; non-government organisations; Vagad Region Service Research Organisation; Self Employed Women’s Cooperative Bank in India; poverty; economic development; microfinance organisations; policy
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