Second Prize in Baylor-USASBE Student Case Research Competition organized by The Baylor University Entrepreneurship Program and United States Association for Small Business and Entrepreneurship (USASBE)

SKS Microfinance: Managing Growth and Continuity of a Social Enterprise

Case Code: LDEN073
Case Length: 25 Pages
Period: 2009-2010
Pub Date: 2011
Teaching Note: Available
Price: Rs.500
Organization : SKS Microfinance
Industry :Microfinance
Countries : India
Themes: Social Entrepreneurship, Entrepreneurship, Venture Financing
SKS Microfinance: Managing Growth and Continuity of a Social Enterprise
Abstract Case Intro 1 Case Intro 2 Excerpts

Evolution of Micro Finance in India

The post-independence era of India was marked by high indebtedness and the inefficiency of financial services. The battle against poverty included augmenting access of credit to the poor as an inseparable part of the economic policy by the Government of India (GoI). Despite taking a socialistic approach toward reducing poverty, India could not make any significant improvement for two long decades after independence and the poverty rate remained between 50-60% during this period. It even crossed 60% in the late half of the 1960s.

Of the total Indian population, 80% resided in rural areas, contributing 40% toward the country's Gross Domestic Product. Of the total credit lent via the formal channel (i.e. Banks), only 2.2% went to agriculture and that too exclusively to big and medium farmers. As per the findings of the Reserve Bank of India (RBI), 90% of the total rural indebtedness was constituted of informal credit (which went down to 70% in 1971) in 1951...

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