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One of my first tasks in Hyderabad was to visit local villages in order to understand the grass-roots mechanisms behind microfinancing. That morning our jeep noisily approached the village center, where I saw small groups of women, Muslims with their darker burqua garb and Hindus with their brightly colored saris and red tika markings on their foreheads, a solemnity of purpose in their eyes. As the morning sun warmed the cool ground, the women quietly seated themselves in an oval and placed their loan books by their sides. SKS makes loans only to female borrowers because women tend to engage in income generating activities and reinvest their income into the household, while men are more likely to spend their loans on personal consumption. After we were seated, the borrowers, in unison, chanted a pledge in the local language, Telugu, stating that they would attend weekly meetings without fail, always pay back their loans, help out other borrowers when required, and use their loans to uplift the economic condition of their families. One at a time, eight of the forty women handed a wad of rupees to Ravanth.
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And industry lobbies such as the Federation of Indian Chambers of Commerce and Industry are excited about the million rural households, a potential market, a fifth of whom own Kisan Credit Cards. Conservative public sector banks are in on the act too. Explore the list below to discover the names for a female hedgehog, a male swan, and many others. Hardcore fitness studio. In the fray are public and private sector banks, large multinational insurance companies, non-banking finance companies and a host of goody-two-shoes NGOs.
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Microfinance has become a big deal for India's poorest

While SKS has been through its fair share of struggles in the last four years, things are starting to look better for the firm now. SKS Microfinance Ltd , one of the largest microfinance companies in India, was a model for many other firms in the sector. The company went to the capital market through an initial public offering IPO in that was oversubscribed almost 14 times. The company believes that microfinance is an effective tool that can help reduce poverty and spread economic opportunity by giving poor people access to financial services, such as credit and insurance. Their micro-enterprises range from raising cows and goats for milk, to opening a village tea stall.
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