1st ed. New Delhi, Discovery Publishing House Pvt. Ltd.
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"Lending to the poor through microcredit is not the end of the problem but
beginning of a new era. If effectively handed, it can create miracle in the field of
poverty alleviation. But it must be bundled with capacity building programs. Government
cannot abdicate its responsibility of social and economic development of poor and down
trodden. In absence of any special skills with the clients of microcredit, the fund is
being used in consumption and procurement of non-productive assets. Hence it is very
important to provide skills development training program like handicraft, weaving,
carpentary, poultry, goat rearing, masonry, bees farming, vegetable farming and many other
agricultural and non agricultural training. Government has to play proactive role in this
case. People with some special skills have to be given priority in lending microcredit.
These clients should also be provided with post loan technical and professional aid for
success of their microenterprises. If government and MFIs act together then microcredit
can play a great role in Poverty alleviation."
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