ISSN (Print) - 0012-9976 | ISSN (Online) - 2349-8846

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Access, Use and Contribution of Microfinance in India

Microfinance is making a significant contribution to both the savings and borrowings of the poor in the country. The main use of microcredit is for direct investment. While the presence of microfinance has increased the borrowing options for the poorer clients, it seems not (yet) to have significantly affected the terms and conditions of different informal credit providers.

Khadi Spinning Whom Does It Benefit

Khadi Spinning: Whom Does It Benefit? THE conditions of work for women spinning in the khadi sector have received some publicity recently. A report by the Centre for Women's Development Studies cited daily earnings of 53 paise a day for spinning in 1987 as a particular instance of the exploitation of women in this employment. A response by D R Desai, secretary of a khadi voluntary organisation in Gujarat was published in Indian Express of January 8. This went some way toward countering such criticism in terms of the piece-rate nature of the work and the possibility of earning an income of over Rs 10 from eight hours' spinning. An independent study of the field situation suggests that the true picture lies between these two extremes and that a realistic assessment requires a consideration of the methods of working, of the utility of the employment created and of the viability of the khadi sector as a whole.

Woollen Textile Production and KVIC in Hill Areas Development

KVIC in Hill Areas Development Frances Sinha Sanjay Sinha The promotion of industries based on local resources and skills is a vital component of planning for employment and income distribution. In the context of local resources and needs on the one hand, and poor infrastructural facilities on the other; woollen textile production in the cottage sector appears to be an important industry for hilt areas development This paper is being published in two parts. The first part, which appeared last week, attempted to gauge the importance of woollen textile production in the economy of the Kumaon hills of Uttar Pradesh, the pattern of employment in the cottage industry, and in particular, its significance as a home-based economic activity for women. Against the background of the increasingly dominant role assumed by the Khadi institutions in this sector, Part II of the paper, which appears below, examines the role and effectiveness of these institutions in generating income and employment in the industry.

Woollen Textile Production and KVIC in Hill Areas Development

Purdah to Modernity", New Delhi, Patwardhan, Sunanda (1973) : "Change among India's Harijans: Maharashtra, A Case Study", New Delhi. Roberts, M W (1966) : 'Indian Estate Labour in Ceylon during the Coffee Period 1830- 1880' in The Indian Economic and Social History Review, III:1 and 2.
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