| MICRO CREDIT MANAGEMENTAND
ECONOMIC EMPOWERMENT (
11 - 16 JANUARY 2010) |
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| RATIONALE |
Even today most of the poor and more so women have not become main stream recipients in the
financial institutions. The formal credit institutions are less than forthcoming in offering loans to this
disadvantaged section of society in rural and poor urban areas who have no collateral to pledge.
Besides, bankers are apprehensive of the future of such business creation.
Micro credit is usually defined as direct lending to poor, usually informally, to enable them to either
establish or to expand their micro-enterprises/businesses. Young people generally possess
tremendous entrepreneurial and creative skills and they should be assisted to develop their potential.
In the developingworld, micro-entrepreneurs have hardly any access to credit and technical assistance
to exploit their potential. Several programsaround theworld, both small and large, have demonstrated
the feasibility of micro credit assistance to such tiny economic activities.
Recognizing that productive employment is the key to combat poverty and social marginalization, GOs
and NGOs have taken the initiative to provide credit and other facilities to youth through programs of
thrift promotion and formation of credit groups.However, the demand for micro-credit far exceeds the
supply andmany organizations are yet unaware of the credit schemes for sustainable micro enterprises.
ICECD has offered INR 10 million to more than 10,000 men/women as micro credit support achieving
highly successful results. Based on these experiences, ICECD has designed and conducted a number of
training programmes for agencies engaged in credit management. 225 national and 104 international
agencies have benefited from these programmes and the same is being offered to the international
community this year. The end result is expected to be the increased flow of credit to the poor. |
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| COURSE OBJECTIVES |
The purpose of the course is to provide themuchneeded platformto share experiences amongst policy
makers, bankers, and enterprise development agencies to evolve need-based credit schemes for micro
entrepreneurs development.
- To identify and understand the credit needs of different strata of society so that relevant
schemes can be evolved.
- To appraise the credit needs of micro-businesses and to design an appropriate mechanism for
satisfying these needs.
- Towork out themeans for effective credit delivery and recovery.
- To formulate strategies which would increase the flow of credit to the poor and ensure
sustainability.
- To evolve a monitoring systemfor proper utilization of finance.
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| COURSE COVERAGE |
The course provides a much needed platform to share experiences and thereby evolve need based
credit schemes for economicempowerment of youth.
The programmehas been designed to include the following modules:
- Youth and Small&Micro Enterprises (SMEs)
- Development economics, micro enterprise creation and social reconstruction
- Sources of funds for Financing Micro/Small Enterprises
- Capability Building for Micro/Small Enterprise initiation and Management Development
System
- Capability Building for Credit Delivery and recovery: theManagement aspects
- Action Plan
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| BENEFITS |
Participants shall be able to learn :
- Howto assess credit needs and develop need based micro-credit projects and proper utilization
of the same.
- Effective tools/techniques for credit appraisal, credit recovery and adopting the same for their
country.
- To be able to transact business with Government/Bank officials/Micro-Credit organizations.
- To identify the source of credit and mobilize them as per the need.
- To prepare and develop communities to use micro finance for productive activities.
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| WHO SHOULD PARTICIPATE |
This course will particularly benefit:
- Those responsible for designing micro-credit programmes, implementing and evaluating them
and coordinating external support or other assistance.
- Government agencies/policy makers who are responsible for evolving suitable credit schemes
forwomen's economic development.
NGOs, research institutions, public bodies and multilateral and bilateral donor organizations
supporting micro credit schemes.
- Commercial banks, financial institutions dealing with credit schemes.
- Community leaders, Donors, Agency representatives
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| DURATION |
| 1week (11 -16 January 2010) |
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| FEES |
US$450
(Kindly fill up the attached registration formand email it to icecdindia@gmail.com) |
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| CONTACT |
Mr. Chandramauli Pathak
ICECD, E1/41, Sterling City,Bopal,Ahmedabad 380058, India.
Phone nos. +91-2717-230039, 230059 (m) +91-9909009753
www.icecd.org
email- icecdindia@gmail.com icecd2008@gmail.com |
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