A Dissertation Report On: Submitted Towards Partial Fulfillment of Post Graduate Diploma in Business Management

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A Dissertation Report on PROCESS OF MICROFINANCING IN RURAL INDIA Submitted towards partial fulfillment of Post Graduate Diploma In Business Management

(Approved by A.I.C.T.E, Government of India) Academic Session: 2010-2012

INSTITUTE OF MANAGEMENT STUDIES, GHAZIABAD Lal Quan, Ghaziabad 201-009

Under the Guidance of:


Dr. Simmi Agrawal Professor-Finance IMS, Ghaziabad

Submitted By:
Md. Anwar Khan Roll No.- BM010083 Student, IMS, Ghaziabad

INSTITUTE OF MANAGEMENT STUDIES, GHAZIABAD

DECLARATION CERTIFICATE

I, Md. Anwar Khan, hereby declare that the work which is being presented in this Project Report: entitled Process Of Microfinancing In Rural India, assigned to me in the partial fulfillment of the requirement for the award of the Post Graduate Diploma in Management under IMS Ghaziabad, is an authentic record of my own work carried out under the supervision and able guidance of my faculty mentor Dr. Simmi Agrawal (Professor- Finance, MS). I, here truly assure that, the data mentioned throughout the project are authentic and reliable without any duplicity & fake data. I have worked to the best of my efforts and capability. I have not submitted the matter presented in this report for the award of any other degree or diploma.

Date: Md Anwar Khan IMS, Ghaziabad PGDM (2010-12)

Signature of Student:

ii INSTITUTE OF MANAGEMENT STUDIES, GHAZIABAD

CERTIFICATE
TO WHOM SOEVER IT MAY CONCERN

This is to certify that Javed Akhtar, student of PGDBM (2010-2012), Institute of Management Studies, Ghaziabad, has done his Dissertation Report entitled, Process Of Microfinancing In Rural India under my guidance and supervision. During the preparation of his dissertation report, he was found to be very sincere and attentive to small details in relevance to preparation of the report. I wish him good luck and success in his future!

Date:

------------------------------------(Mentors Signature ) Dr. Simmi Agrawal Professor- Finance IMS, Ghaziabad

ACKNOWLEDGEMENTS

Without a proper combination of inspection and perspiration, its not easy to achieve anything. There is always a sense of gratitude, which I express to others for the help and the needy services they render during the different phases of my life. I too, would like to do it as I really wish to express my gratitude toward all those who have been helpful to me directly or indirectly during the development of this project. First of all, I wish to express my deep sense of gratitude, indebtedness and sincere phrases of thanks to Honorable (Chairperson-Finance, IMS) Dr. Vidya Sekhri, who have provided me the opportunity to pursue my PGDM course under the enlightening shade of IMS Ghaziabad. Then, I wish to express my profound gratitude and sincere thanks to my project mentor, Dr. Simmi Agrawal (Professor-Finance, IMS) for her invaluable mentoring and exuberant guidance as without her help and support, this project would have never been possible. Last but not the least, no words can adequately express my overriding debt of gratitude to my parents whose support helps me in all the way. Along within thanks to all those who are knowingly or unknowingly, directly or indirectly become the part in completion of my project. Above all, I shall thank my friends who constantly encouraged and blessed me so as to enable me to do this work successfully.

Thanking You Md. Anwar Khan (BM010083)

iv TABLE OF CONTENTS

Sr. No.
1. 2. 3. 4. 5. 6. 7. 8. 9.

PARTICULARS
List Of Tables Abstract Chapter 1: Introduction Chapter 2: Chapter 3: Objectives Of The Study Chapter 4: Literature Review Chapter 5: Research Methodology Chapter 6: Scheme Of Presentation Chapter 7:

PAGE.NO. 1 2 3 6 8 10 13 15 18 17 21 27 32 36 38

10.

Chapter8:

11. 12. 13. 14.

Chapter 9 Chapter 10: Analysis Using SPSS Chapter 11: Summary And Conclusion Chapter 12: Bibliography

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