A study on the availability and utilisation of microcredit in the traditional fisheries sector of Kerala India

Gopal Nikita, . and Jeyanthi P., . and Chandrasekar V., . and Meenakumari B., . A study on the availability and utilisation of microcredit in the traditional fisheries sector of Kerala India. pp. 243-250. ISSN 0116-6514

Microcredit from microfinance institutions is increasingly common in India and is used for activities from simple thrift to credit support for income generating activities. In coastal fishing communities a large number of microfinance initiatives are active. Two major sources are Government schemes through fishermens cooperative societies and others through non-government organisations. These have made credit accessible to people in fishing communities especially fisherwomen. Many microfinance schemes provide credit to develop microenterprises but the funds instead have been used for household needs and only minimal tangible productive assets were created. Through household surveys the present paper examines how microcredit is used by fisherwomen and fishermen in Kerala India. It explores if the availability of microcredit has brought about any changes in livelihood options household income and expenditure social status and decision making among the fisher population especially fisherwomen.

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Abstract

Microcredit from microfinance institutions is increasingly common in India and is used for activities from simple thrift to credit support for income generating activities. In coastal fishing communities a large number of microfinance initiatives are active. Two major sources are Government schemes through fishermens cooperative societies and others through non-government organisations. These have made credit accessible to people in fishing communities especially fisherwomen. Many microfinance schemes provide credit to develop microenterprises but the funds instead have been used for household needs and only minimal tangible productive assets were created. Through household surveys the present paper examines how microcredit is used by fisherwomen and fishermen in Kerala India. It explores if the availability of microcredit has brought about any changes in livelihood options household income and expenditure social status and decision making among the fisher population especially fisherwomen.

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Item Type:	Article
AGROVOC Term:	Fisheries
AGROVOC Term:	Microfinance/credit
AGROVOC Term:	Income generation
AGROVOC Term:	communities
AGROVOC Term:	Fishermen
AGROVOC Term:	Households
AGROVOC Term:	Fishing
AGROVOC Term:	Family size
AGROVOC Term:	Health
AGROVOC Term:	Educational institutions
Depositing User:	Ms. Suzila Mohamad Kasim
Last Modified:	24 Apr 2025 06:28
URI:	http://webagris.upm.edu.my/id/eprint/23671

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