Micro Penetration Index Analysis

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Micro Penetration Index (MPI) and Micro Poverty Penetration Index (MPPI)

The two indices penetration of microfinance (MPI) and Intensity of penetration of microfinance among poor (MPPI) have been presented in the 2009 report for the first time. The calculation of the index has been carried out as follows:
• The number of credit of MFIs and members of SHGs with outstanding loans to banks are computed and each state’s share to the country’s total micro finance clients has been worked out.
• The intensity of penetration of microfinance (MPI) has been computed by dividing the share of the state in microfinance clients by share of population. Intensity of penetration of microfinance among poor (MPPI) has been derived by dividing the share of the state in microfinance clients by share of population. Since the microfinance clients are in the numerator, a value of more than 1 indicates that clients acquired are more than proportional to the population. Higher the score, i.e. more than 1, the better is the performance. Lower the score from 1 which is the par value, poorer is the performance on the state
(Table 5)

(FIG 5 and 6)

Kisan Credit Card Scheme
The instrument of Kisan Credit Card (KCC) is one of the key products developed to improve the farmer’s accessibility to bank credit. It has also been developed to simplify credit delivery mechanism and provide more flexibility in use of credit. The model scheme of Kisan Credit Card formulated by NABARD in the year 1998-99 is being implemented in all the States and Union territories in India. About 1.94 crore Kisan Credit Cards have been issued up to 31 October 2001 by the banks throughout India. It has been decided that every eligible agricultural farmer would be provided with a Kisan C...

... middle of paper ...

...alai N, and Rajeswari, (2001), “ Nature and Performance of Informal Self-Help Groups-a Case from Tamil Nadu”, Indian Journal of Agriculture Economic, Vol.56, No.3, July-September, Pp.453.
Nedumaran S, K.Palanisami and L.P.Swaminathan, (2001), “Performance and Impact of Self-Help Groups in Tamil Nadu”, Indian Journal of Agriculture Economic, Vol.56, No.3, July-September, Pp.471.
Puhazhendhi, V. (2000), “Evaluation Study of Self-Help Groups in Tamil Nadu, National Bank for Agriculture and Rural Development”, Mumbai. crisil.com/pdf/ratings/CRISIL-ratings_india-top-50-mfis.pdf‎ http://www.slideshare.net/yogi3250/impact-of-micro-finance-on-living-standard-empowerment-and-poverty-alleviation-of-poor-women-a-case-study-of-north-india http://www.scribd.com/doc/48947731/A-PROJECT-REPORT-ON-MICROFINANCE-IN-INDIA http://www.slideshare.net/nehajainmba/neha-jain-report-16379475

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