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Microfinance In a Spot Of Trouble
I am keen on Microfinance and try to follow related news / articles as much as I can. Last year I had gone on a research project with some fellow students and stayed in villages for about 10 days. From the discussions we had with villagers and MFI operating in those villages, I got a feeling that though there are many MFIs now operating in India, they do not yet have a clear structure or system to operate with. Villagers further showed a tendency to recycle loans, and often waited for the government to waive off loans. Though life style of some of the villagers seemed to have improved, I did not see Microfinance making major impact on their means of income. If income was stagnant, improved lifestyle could mean only one thing - that loan was being used to meet household expenses, and not as working capital. It was thus no surprise when I came across this article: "Ketaki Gokhale in the WSJ: ' A credit crisis is brewing in Microfinance ' Here in Ramanagaram, a silk-ma...
Diwali - should we celebrate it with crackers?
Given an option, I always chose window seat on the flight. reason being, I take childish delight in looking over the scenery, the snow white clouds, the ground where everything is minuscule, and far off objects. Thus it was no wonder that I found myself occupying a window seat on my return flight from Calcutta to Delhi last Tuesday, after having celebrated Diwali at home. Flight from Calcutta to Delhi is especially pleasurable as for a large part of the flight, you can look snow capped peaks of Himalaya jutting out of clouds at a distance. The view, for me, is breathtaking and spellbinding. I also like to look at the ground, whenever there is a break in clouds, and try to figure out farms, towns etc. I have noticed the landscape change over the years, from being pre dominantly green, to predominantly brown - the shade of soil. I am always disappointed at the pace with which green seems to be disappearing. This flight, however, had another surprise in store for me. My flight had to ...
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