Microfinance and bank sustainability

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dc.contributor.author Varman, Mahendra
dc.contributor.other Money and Finance Conference, 6th en_US
dc.date.accessioned 2012-06-07T11:52:08Z
dc.date.available 2012-06-07T11:52:08Z
dc.date.issued 2012-06-07
dc.identifier.uri http://hdl.handle.net/2275/210
dc.description.abstract Deposits are foundations upon which banks thrive and grow. Deposits generate cash reserves, and it is out of the excess cash reserve a bank holds that the new loans are created. The management should ensure that the bank always has enough deposits to support the volume of loans and other financial services demanded by public. The twin objectives of a commercial bank i.e., acquiring deposits and advancing credit cannot be attained without good banking habits of the people. Therefore, people’s banking habits seem to be a major factor that affects sustainability of the banks concerned. With the macro level bank data it has been found that the number of deposit accounts accruing to females is rising over the recent years as compared to male counterpart. Since in India micro financing Self Help Groups (SHGs) which recently came into existence as informal organizations in India are linked to bank and its members are females, this paper makes a modest attempt to examine whether there is any association between growth of SHGs and increase in female bank deposit accounts and whether these SHGs have a tendency to influence the account holding in formal banks. en_US
dc.language.iso en en_US
dc.title Microfinance and bank sustainability en_US
dc.type Article en_US

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