Microfinance Targeting Tribals: Financial Performance and Outreach in Odisha

Efficiency and Effectiveness Evaluation of Micro-credit Programme in Transforming Rural Women Entrepreneurs: Experiences from Balasore District of Odisha

“…The introduction of micro-credit programme in Odisha on record may be traced back since 2001 with formation of Mission Shakti (State driven exclusive department for women and child development). Over the years, the programme has changed its delivery mechanism to reach the excluded section, resulting in a massive growth in the number of vulnerable women self-help groups (SHGs) formed and linked up at the state level (Rajpal & Tamang, 2016). The programme in Odisha is implemented via two different nodal agencies, that is, Mission Shakti (Chief Organization for implementation of Programme in State) and TRIPTI (Targeted Rural Initiatives for Poverty Termination and Infrastructure—a World-Bank-assisted Orissa rural livelihood project) taking into account geographical differences.…”

“…Even the state level organization, despite making several interventions, failed to implement the other instruments under gamut in the state. Rajpal and Tamang (2016) conducted a comparative study on financial performance and outreach of MF programme in Odisha and found greater differences and practical loopholes in the execution of the programme between tribal- and non-tribal-dominated districts (Thiyanayaki, 2014). Further, concentration of growth of the programme was observed in developed districts while tribal-dominated districts suffer from low saving and credit rates per member.…”