The concept of Microﬁnance has been around for a long time, but it is only recently that it has burst on the stage as a political model with some force. Ever since the establishment of the ﬁrst Grameen banks, Microﬁnance institutions worldwide have gained momentum and clout, offering a range of ﬁnancial products far beyond the simple act of money-lending. The provision of low-income households with permanent access to high-quality ﬁnancial services has encouraged entrepreneurship and boosted grass-roots development amongst the poor of the poor, with tangible results now becoming manifest in long-term increases in income and consumption, greater ﬁnancial stability and empowerment. With particular focus on the experience of India as a case study, this volume presents a concise overview of the key principles and workings of Microﬁnance across historical periods and geographical centers.
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