The NMMS is in a peri-urban location of the Nadigama Mandal in Telangana. Formed in 2016, NMMS has focused on financial inclusion for livelihood generation. The enhanced credit linkages with the banks with minimal defaults have boosted loan uptake and members’ confidence. Around 97% of the members accessed credit from at least one of the sources. Many examples of successful entrepreneurial and livelihood activities are present, and the need is to amplify their scale and scope. The federation realises that with the growth in microfinance, there is a need to channel credit more towards livelihood diversification. In this context, area-specific bottom-up interventions could be helpful for the SHGs.

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From Microfinance to Livelihoods: Nandigama Mandal Mahila Samakhya (NMMS), Telangana

  • C Shambu Prasad

摘要

The NMMS is in a peri-urban location of the Nadigama Mandal in Telangana. Formed in 2016, NMMS has focused on financial inclusion for livelihood generation. The enhanced credit linkages with the banks with minimal defaults have boosted loan uptake and members’ confidence. Around 97% of the members accessed credit from at least one of the sources. Many examples of successful entrepreneurial and livelihood activities are present, and the need is to amplify their scale and scope. The federation realises that with the growth in microfinance, there is a need to channel credit more towards livelihood diversification. In this context, area-specific bottom-up interventions could be helpful for the SHGs.