Doktorarbeit / Dissertation, 2010
280 Seiten
This dissertation investigates the dynamics of social inclusion and exclusion within the context of microfinance, focusing on cooperative societies in Nepal. The research aims to understand how microfinance practices can contribute to social inclusion while also identifying challenges that hinder equal access to financial services.
The dissertation begins with an introduction to the topic of social inclusion in microfinance, outlining the research objectives and providing a contextual overview of the microfinance landscape in Nepal. The literature review examines the theoretical underpinnings of social inclusion and exclusion, exploring the relationship between microfinance and social inclusion. The methodology chapter describes the research design, data collection methods, and data analysis techniques employed in the study.
The findings and analysis chapter presents empirical evidence on the relationship between social inclusion and microfinance in Nepal. This section explores the challenges that hinder social inclusion in microfinance, including issues of gender, caste, and ethnicity. Finally, the dissertation proposes a community-owned micro-banking model that aims to address these challenges and enhance access to financial services for marginalized groups.
The main focus of this dissertation lies on the relationship between microfinance and social inclusion, particularly within the context of cooperative societies in Nepal. Key terms and concepts include social inclusion, social exclusion, microfinance, cooperative societies, community-owned micro-banking, access to finance, poverty reduction, economic empowerment, and marginalized groups.
Microfinance aims to provide financial services to the poor, with economic goals of reducing poverty and tackling social marginalization through financial and social intermediation.
Dalits are a group in Nepal who have historically been deprived and marginalized due to the age-long caste-based hierarchical system.
It is a proposed approach designed to reach the poorest individuals by empowering the community to own and manage their microfinance structures, ensuring better inclusion.
One of the major findings of the research is that inclusiveness promotes sustainability, as reaching the most deprived groups creates a more stable and impactful financial system.
This approach prioritizes providing credit to the most deprived groups based on their specific poverty status, combined with social intermediation to build individual capacity.
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