諾基亞及小額信貸對印度之影響

• Main Authors: 那狄楷, Nath, Debendra
• Language: 英文
• Published: 國立政治大學
• Subjects: 諾基亞及小額信貸; Nokia and microfinance
• Online Access: http://thesis.lib.nccu.edu.tw/cgi-bin/cdrfb3/gsweb.cgi?o=dstdcdr&i=sid=%22G0097933054%22.

This paper begins with an introduction to the concept of microfinance, lending models in India and key strengths of Indian MFIs. The term microfinance refers to small-scale financial services both credit and savings- that are extended to the poor in rural, semi-urban and urban areas. The poor need microfinance to undertake economic activity, smoothen consumption, mitigate vulnerability to income shocks (in times of illness and natural disasters), increase saving and support self-empowerment. This paper discuss about Nokia initiative to further increase mobile penetration in India via microfinance root. Nokia found most of the people living in village and they don’t have money to buy mobile phone by cash. Nokia had tied up with microfinance institutions SKS microfinance to sell mobile phone which will help poor peoples. Microfinance sector has been growing at upwards of 50 % per annum – even higher than the mobile phone industry. The trend towards marketing in small, relatively poor communities on the part of multinational corporations (MNCs) is picking up as microfinance increases purchasing power amongst rural consumers. This paper will discuss particularly Nokia’s success in microfinance and how it helps Nokia to consider as number one (#1) most trusted brand in India. This paper also analyzes the conceptual framework of micro financing in India and impact of microfinance on rural poor. The role of Self Help Group (SGH) , lending institutions , central bank and Government. The success and controversy faced by microfinance institutions. Many finance experts are discussing and commenting microfinance is India’s subprime. The paper offers some suggestions on what it would take to reform these institutions with an eye to improving access for the poor and entrepreneur skill.