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literature identifies a number of factors that need to be addressed. In this context, increasing institutional outreach and sinking micro financing into the sector, are considered pivotal strategies. Other areas of interest include regulatory regimes, product and process innovations, relationship management and monitoring, and market intelligence data (Sohailuddin Alavi, 2007). According to ILO (2005), cited by Dahri (2007) it is concluded, that the reality for most of the world’s poor is that they have to work often for long hours, in poor working conditions and without basic rights and presentation at work that is not productive enough to enable them to themselves and their families out of poverty, it is “decent and productive” employment that matters, not employment alone.

 

In developing countries, so many strategies have been put into practice and research has been done but it is felt that it is not enough and thus research should remain continue in

 

7 M-CRIL is a global leader in the financial rating of microfinance institutions and in sectoral advisory services.

 

8 Eda rural systems: EDA is a consultancy organization offering research and management services for development, with specialist experience in microfinance

 

light of latest reports and also to highlight the challenges and opportunities of microfinance. It can bring new strategies into practice. As India is also a developing country, further suggestions would help to overcome the challenges faced by microfinance institutions and avail the opportunities that exist for this kind of financing. To keep these things in mind, an attempt has been made to identify the various internal, external challenges and opportunities as special objective of this thesis. It is argued that in the developing countries formal and informal financial sectors have failed to serve the poor at required level. In the formal sector, large loans and bureaucratic and long procedures for getting loans keep away the poor from the financial institutions. Informal sector, on the other hand, is also failed to serve the poor masses. Informal lender’s charges are very high and keep the adult laborer as collateral. Exploitation of real valuation of collaterals’ high interest rate and monopoly of lenders keep away the majority of the clients from the informal financial sector of providing finance to poor people, from income generating activities to reduce poverty. These results can be verified from Bhaduri (1983); Rao (1980) Bardhan (1980) Ghosh (1986); Ghate et. al., (1992); Herani (2002a&b); Herani (2007); Herani, Rajar and Dhakan (2007); Herani (2008); Sudan (2007); PGE (2009). Due to limitation of financial sector in both formal and informal services, particularly credit has evolved the micro-credit planning and programs.light of latest reports and also to highlight the challenges and opportunities of microfinance. It can bring new strategies into practice. As India is also a developing country, further suggestions would help to overcome the challenges faced by microfinance institutions a本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。