Microfinance — DU Bachelor of Management Studies Previous Year Question Papers

3. Doany5questions. a) b) Discuss the emei.ging t.rends ]n Microfinance and their impact on inclusive banking. Explain Human Development Index QH)I) and Global Hunger Index (GHD and evaluate their relevance in assessing a country's development. Microfinance is not merely a. mechanism for providing loans but a tool for promoting social empowerment and economic development. Ezganine this statement higfili.ghting its impact o.n poverty alleviation and women empowerment. (18 marks) In a rural district of Uttar Pradesh, an NCO formed 50 Self-Help. Groups (SHGs) under the Swamajdyanti Gram Swarozgar Yojana (SGSY). Women in these groups received microloans and training in handicrafts and small-scale farming. Over two years, average household income increased by 25%, and women reported higher decision-making power. I-Iowever, some groups in remote villages struggled due.to poor bank linkages. a) Discuss the challenges faced by SHGs in remote villages. How could these challenges be. mi tigated? (9 marks) b) How do NGOs contribute to microfinance delivery in rural areas, and what specific roles did the NGO play in forming SHGs under SGSY in this case? (9 marks) a) Microinsurance is essential for risk mitigation among low-income groups but faces multiple challenges. Discuss the key challenges in its implementation. (9 marks) b) Describe the eligibility criteria for setting up Microfinance Institutions in India. Why are such criteria important? (9 marks) Pradhan Mantri MUDRA Yojana aims to promote entrepreneurship and financial inclusion in rural areas. Evaluate its effectiveness by citing relevant examples of its impact. Write short notes on any three of the following. (6*3=18 marks) 1. Consequences of Poverty 3. Risk management in Micro finance 4. Grameen Banking model