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Salazar" border="0" onerror="if (this.src != '//a.academia-assets.com/images/s200_no_pic.png') this.src = '//a.academia-assets.com/images/s200_no_pic.png';" width="200" height="200" src="https://0.academia-photos.com/2278/1070/2904670/s200_noel_b..salazar.jpg" /></a></div><div class="suggested-user-card__user-info"><a class="suggested-user-card__user-info__header ds2-5-body-sm-bold ds2-5-body-link" href="https://kuleuven.academia.edu/NoelBSalazar">Noel B. 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Wayne Ross</a><p class="suggested-user-card__user-info__subheader ds2-5-body-xs">University of British Columbia</p></div></div><div class="suggested-user-card"><div class="suggested-user-card__avatar social-profile-avatar-container"><a href="https://ucc-ie.academia.edu/DonRoss"><img class="profile-avatar u-positionAbsolute" alt="Don Ross" border="0" onerror="if (this.src != '//a.academia-assets.com/images/s200_no_pic.png') this.src = '//a.academia-assets.com/images/s200_no_pic.png';" width="200" height="200" src="https://0.academia-photos.com/34228/11192/19836440/s200_don.ross.jpg" /></a></div><div class="suggested-user-card__user-info"><a class="suggested-user-card__user-info__header ds2-5-body-sm-bold ds2-5-body-link" href="https://ucc-ie.academia.edu/DonRoss">Don Ross</a><p class="suggested-user-card__user-info__subheader ds2-5-body-xs">University College Cork</p></div></div><div class="suggested-user-card"><div class="suggested-user-card__avatar social-profile-avatar-container"><a 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Caro Almela</a><p class="suggested-user-card__user-info__subheader ds2-5-body-xs">Universidad Complutense de Madrid</p></div></div><div class="suggested-user-card"><div class="suggested-user-card__avatar social-profile-avatar-container"><a href="https://usc.academia.edu/RobertKozinets"><img class="profile-avatar u-positionAbsolute" alt="Robert Kozinets" border="0" onerror="if (this.src != '//a.academia-assets.com/images/s200_no_pic.png') this.src = '//a.academia-assets.com/images/s200_no_pic.png';" width="200" height="200" src="https://0.academia-photos.com/677813/235855/34003416/s200_robert.kozinets.jpg" /></a></div><div class="suggested-user-card__user-info"><a class="suggested-user-card__user-info__header ds2-5-body-sm-bold ds2-5-body-link" href="https://usc.academia.edu/RobertKozinets">Robert Kozinets</a><p class="suggested-user-card__user-info__subheader ds2-5-body-xs">University of Southern California</p></div></div><div class="suggested-user-card"><div class="suggested-user-card__avatar social-profile-avatar-container"><a href="https://luiss.academia.edu/NicolaLupo"><img class="profile-avatar u-positionAbsolute" alt="Nicola Lupo" border="0" onerror="if (this.src != '//a.academia-assets.com/images/s200_no_pic.png') this.src = '//a.academia-assets.com/images/s200_no_pic.png';" width="200" height="200" src="https://0.academia-photos.com/1099701/16968232/125354008/s200_nicola.lupo.jpeg" /></a></div><div class="suggested-user-card__user-info"><a class="suggested-user-card__user-info__header ds2-5-body-sm-bold ds2-5-body-link" href="https://luiss.academia.edu/NicolaLupo">Nicola Lupo</a><p class="suggested-user-card__user-info__subheader ds2-5-body-xs">LUISS Guido Carli</p></div></div></ul></div><div class="ri-section"><div class="ri-section-header"><span>Interests</span></div><div class="ri-tags-container"><a data-click-track="profile-user-info-expand-research-interests" data-has-card-for-ri-list="14309458" href="https://www.academia.edu/Documents/in/Environmental_Sustainability"><div id="js-react-on-rails-context" style="display:none" data-rails-context="{"inMailer":false,"i18nLocale":"en","i18nDefaultLocale":"en","href":"https://independent.academia.edu/priyasamant","location":"/priyasamant","scheme":"https","host":"independent.academia.edu","port":null,"pathname":"/priyasamant","search":null,"httpAcceptLanguage":null,"serverSide":false}"></div> <div class="js-react-on-rails-component" style="display:none" data-component-name="Pill" data-props="{"color":"gray","children":["Environmental Sustainability"]}" data-trace="false" data-dom-id="Pill-react-component-f86f228c-a6d0-4b52-baed-6ee67177afb0"></div> <div id="Pill-react-component-f86f228c-a6d0-4b52-baed-6ee67177afb0"></div> </a><a data-click-track="profile-user-info-expand-research-interests" data-has-card-for-ri-list="14309458" href="https://www.academia.edu/Documents/in/Marketing"><div class="js-react-on-rails-component" style="display:none" data-component-name="Pill" data-props="{"color":"gray","children":["Marketing"]}" data-trace="false" data-dom-id="Pill-react-component-ceeb30d3-d28c-4829-8d12-84f7299cba46"></div> <div id="Pill-react-component-ceeb30d3-d28c-4829-8d12-84f7299cba46"></div> </a><a data-click-track="profile-user-info-expand-research-interests" data-has-card-for-ri-list="14309458" href="https://www.academia.edu/Documents/in/Advertising"><div class="js-react-on-rails-component" style="display:none" data-component-name="Pill" data-props="{"color":"gray","children":["Advertising"]}" data-trace="false" data-dom-id="Pill-react-component-64384783-aa8d-4f7f-85d8-c31535dffdf4"></div> <div id="Pill-react-component-64384783-aa8d-4f7f-85d8-c31535dffdf4"></div> </a><a data-click-track="profile-user-info-expand-research-interests" data-has-card-for-ri-list="14309458" href="https://www.academia.edu/Documents/in/Education"><div class="js-react-on-rails-component" style="display:none" data-component-name="Pill" data-props="{"color":"gray","children":["Education"]}" data-trace="false" data-dom-id="Pill-react-component-a8771041-5c4e-4748-bd75-87a263738c31"></div> <div id="Pill-react-component-a8771041-5c4e-4748-bd75-87a263738c31"></div> </a><a data-click-track="profile-user-info-expand-research-interests" data-has-card-for-ri-list="14309458" href="https://www.academia.edu/Documents/in/Social_Sciences"><div class="js-react-on-rails-component" style="display:none" data-component-name="Pill" data-props="{"color":"gray","children":["Social Sciences"]}" data-trace="false" data-dom-id="Pill-react-component-68c754d0-a771-4808-bbf3-5ab60c04f29d"></div> <div id="Pill-react-component-68c754d0-a771-4808-bbf3-5ab60c04f29d"></div> </a></div></div></div></div><div class="right-panel-container"><div class="user-content-wrapper"><div class="uploads-container" id="social-redesign-work-container"><div class="upload-header"><h2 class="ds2-5-heading-sans-serif-xs">Uploads</h2></div><div class="documents-container backbone-social-profile-documents" style="width: 100%;"><div class="u-taCenter"></div><div class="profile--tab_content_container js-tab-pane tab-pane active" id="all"><div class="profile--tab_heading_container js-section-heading" data-section="Papers" id="Papers"><h3 class="profile--tab_heading_container">Papers by priya samant</h3></div><div class="js-work-strip profile--work_container" data-work-id="64072563"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" rel="nofollow" href="https://www.academia.edu/64072563/IMPACT_OF_DEMONETISATION_ON_NBFC_MFIs_An_incidental_data_analysis"><img alt="Research paper thumbnail of IMPACT OF DEMONETISATION ON NBFC-MFIs: An incidental data analysis" class="work-thumbnail" src="https://a.academia-assets.com/images/blank-paper.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" rel="nofollow" href="https://www.academia.edu/64072563/IMPACT_OF_DEMONETISATION_ON_NBFC_MFIs_An_incidental_data_analysis">IMPACT OF DEMONETISATION ON NBFC-MFIs: An incidental data analysis</a></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Demonetisation is an economic policy where a currency ceases to be recognized as a legal tender. ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Demonetisation is an economic policy where a currency ceases to be recognized as a legal tender. This is tool to curb black money, reduce terror funding, money laundering etc by reducing the cash in the economy which is directly related to these issues. Whenever such large amount of cash is withdrawn, it creates ripples in every sector of the economy especially when the sectors are largely cash driven like handicrafts, textiles, real estate, and construction etc. Demonetization made huge impact on NBFC-MFIs as the industry is entirely cash driven. The paper studies the impact of Demonetization on NBFC-MFIs drawing incidental data from MFIN reports and considering various indicators-collection efficiency, Portfolio at Risk, loan disbursements, mode of disbursements and outstanding borrowing. The findings suggest that the impact of Demonetization was felt across the sector with short term impact being deteriorating. But, post-demonetization period saw improvement in these indicators.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="64072563"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="64072563"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 64072563; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=64072563]").text(description); $(".js-view-count[data-work-id=64072563]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 64072563; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='64072563']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (false){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "-1" } } $('.js-work-strip[data-work-id=64072563]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":64072563,"title":"IMPACT OF DEMONETISATION ON NBFC-MFIs: An incidental data analysis","internal_url":"https://www.academia.edu/64072563/IMPACT_OF_DEMONETISATION_ON_NBFC_MFIs_An_incidental_data_analysis","owner_id":14309458,"coauthors_can_edit":true,"owner":{"id":14309458,"first_name":"priya","middle_initials":null,"last_name":"samant","page_name":"priyasamant","domain_name":"independent","created_at":"2014-07-24T22:00:09.417-07:00","display_name":"priya samant","url":"https://independent.academia.edu/priyasamant"},"attachments":[]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="64072553"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" rel="nofollow" href="https://www.academia.edu/64072553/Challenges_emerging_from_Macroeconomic_Change_in_Business_Environment_A_Case_of_UNNATI_Microfinance_Ltd"><img alt="Research paper thumbnail of Challenges emerging from Macroeconomic Change in Business Environment: A Case of UNNATI Microfinance Ltd" class="work-thumbnail" src="https://a.academia-assets.com/images/blank-paper.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" rel="nofollow" href="https://www.academia.edu/64072553/Challenges_emerging_from_Macroeconomic_Change_in_Business_Environment_A_Case_of_UNNATI_Microfinance_Ltd">Challenges emerging from Macroeconomic Change in Business Environment: A Case of UNNATI Microfinance Ltd</a></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Case Abstract Synopsis UNNATI Microfinance Ltd. a Non Banking Financial Company (NBFC) operating ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Case Abstract Synopsis UNNATI Microfinance Ltd. a Non Banking Financial Company (NBFC) operating in nine districts of Uttarakhand, with major focus in rural areas. It provides credit to poor women and work towards improving their socioeconomic well being. &amp;#39;Demonetization&amp;#39; was major economic reform announced on November 8th, 2016 hard hit the organisation. Non repayment by clients, decline in loan repayment, rising loan losses, increase in Non Performing asset, Liquidity Crunch and loosing customer base are the challenges which organisation is facing since &amp;#39;Demonetization&amp;#39;. Several meetings and discussions were conducted taken place but the question still remains that &amp;#39;What strategies should be developed to minimise its effects and sustain in the market&amp;#39;. Research Methodology The case used both types of data collected from primary sources and secondary sources. Branch Managers and various field officials of UNNATI Microfinance to gain insights on the challenges faced. Secondary sources include data from various websites, journals, newspapers to have opinion of the other players in the industry and experts. Relevant Course and Levels This case is useful for MBA and Post Graduate courses in Rural Management, Social Work and Public Policy. The case can be conducted in the form of discussions or Role play where the various issues are discussed and solutions are looked for. The case also holds importance for other financial institutions including Non Governmental Organizations (NGOs), Microfinance Institutions, Banks etc and Policymakers.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="64072553"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="64072553"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 64072553; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=64072553]").text(description); $(".js-view-count[data-work-id=64072553]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 64072553; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='64072553']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (false){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "-1" } } $('.js-work-strip[data-work-id=64072553]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":64072553,"title":"Challenges emerging from Macroeconomic Change in Business Environment: A Case of UNNATI Microfinance Ltd","internal_url":"https://www.academia.edu/64072553/Challenges_emerging_from_Macroeconomic_Change_in_Business_Environment_A_Case_of_UNNATI_Microfinance_Ltd","owner_id":14309458,"coauthors_can_edit":true,"owner":{"id":14309458,"first_name":"priya","middle_initials":null,"last_name":"samant","page_name":"priyasamant","domain_name":"independent","created_at":"2014-07-24T22:00:09.417-07:00","display_name":"priya samant","url":"https://independent.academia.edu/priyasamant"},"attachments":[]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="64072499"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/64072499/Impact_of_Microcredit_on_Women_Empowerment_Indicators_An_empirical_reserach_in_the_state_of_Uttarakhand"><img alt="Research paper thumbnail of Impact of Microcredit on Women Empowerment Indicators: An empirical reserach in the state of Uttarakhand" class="work-thumbnail" src="https://attachments.academia-assets.com/76277766/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/64072499/Impact_of_Microcredit_on_Women_Empowerment_Indicators_An_empirical_reserach_in_the_state_of_Uttarakhand">Impact of Microcredit on Women Empowerment Indicators: An empirical reserach in the state of Uttarakhand</a></div><div class="wp-workCard_item"><span>International Journal of Recent Technology and Engineering</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Women Empowerment has been on national agenda of every government. In developing nation women com...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Women Empowerment has been on national agenda of every government. In developing nation women comprises fifty percent of the population so empowering them is crucial for development and nation building. Various Microfinance Institutions (MFIs) extends microcredit/loan via group model (Self Help Groups and Joint Liability Groups) to the marginalised segment particularly women groups and minorities primarily residing in rural areas with an aim to empower them and foster their socio-economic development. Previous studies have shown that microcredit has positive impact, but providing credit alone does not guarantee empowerment of the member beneficiaries. From past studies it can be concluded that empowerment demand an integrated approach from all the participating bodies/institutions involved, only then can be the objective of socio-economic development be accomplished. Since today very limited literature is available on microcredit and its impact. The current research examines the imp...</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="a2645b6289ddd2207f7ce4b73c69ac4a" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":76277766,"asset_id":64072499,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/76277766/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="64072499"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="64072499"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 64072499; 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dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "a2645b6289ddd2207f7ce4b73c69ac4a" } } $('.js-work-strip[data-work-id=64072499]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":64072499,"title":"Impact of Microcredit on Women Empowerment Indicators: An empirical reserach in the state of Uttarakhand","internal_url":"https://www.academia.edu/64072499/Impact_of_Microcredit_on_Women_Empowerment_Indicators_An_empirical_reserach_in_the_state_of_Uttarakhand","owner_id":14309458,"coauthors_can_edit":true,"owner":{"id":14309458,"first_name":"priya","middle_initials":null,"last_name":"samant","page_name":"priyasamant","domain_name":"independent","created_at":"2014-07-24T22:00:09.417-07:00","display_name":"priya samant","url":"https://independent.academia.edu/priyasamant"},"attachments":[{"id":76277766,"title":"","file_type":"pdf","scribd_thumbnail_url":"https://attachments.academia-assets.com/76277766/thumbnails/1.jpg","file_name":"C4851098319.pdf","download_url":"https://www.academia.edu/attachments/76277766/download_file","bulk_download_file_name":"Impact_of_Microcredit_on_Women_Empowerme.pdf","bulk_download_url":"https://d1wqtxts1xzle7.cloudfront.net/76277766/C4851098319-libre.pdf?1639491004=\u0026response-content-disposition=attachment%3B+filename%3DImpact_of_Microcredit_on_Women_Empowerme.pdf\u0026Expires=1740037192\u0026Signature=CJGl3ie36q21-tdXJKyjwvGaX7PBpXLwj~uZI7kolvGuhUt9hCSZs9rutgSAJid4a5h5iid8xOwhqGt7bI-n8sQmMCxg3-LiPM8vfKB1WKQHYmtBQdReIsGT5Xq915dz2NlkpkmaUXxyij8lhb72AKbE9iHJeJ6VNNoxzlcADegNkLjRi7Kh5G4mCUsQpRJUy4f2kX0LhueD6N-2-H~UjobQoCAsF9Bxhc-9JASyHWiAC6vJ42TSJzuVG1bj7V4tKMxGBo0TGMN0SELLXWj6tC8es~YkESkX8OU6T3VRb~y8AiTwUzf7c3PmveOmAYP17tZT5DC0iHAy4Etzd-3YOg__\u0026Key-Pair-Id=APKAJLOHF5GGSLRBV4ZA"},{"id":76277767,"title":"","file_type":"pdf","scribd_thumbnail_url":"https://attachments.academia-assets.com/76277767/thumbnails/1.jpg","file_name":"C4851098319.pdf","download_url":"https://www.academia.edu/attachments/76277767/download_file","bulk_download_file_name":"Impact_of_Microcredit_on_Women_Empowerme.pdf","bulk_download_url":"https://d1wqtxts1xzle7.cloudfront.net/76277767/C4851098319-libre.pdf?1639491003=\u0026response-content-disposition=attachment%3B+filename%3DImpact_of_Microcredit_on_Women_Empowerme.pdf\u0026Expires=1740037192\u0026Signature=ZD4E9HT~hz529IU6y-6WyUM4Vhxv9Q4fKq-06VHOFcRIZ6NEjVbVBRvNERBrMmOdEdEEpd-m0kumrJwsnLEPOj7fcaYKL1auGiIn4IzSj175xAQBmyFW-taWuv992MKp1lmS4fqynHF9ShT9eGl1fuQapbCqIUQu-vy-nxSdRvfFp6M6DaqSYfm6etpuTdSIgp~VXXaKpSQft6R5pRewEiVmxfkGq1qhZN0~xMGbMhteTpGBMQtNuthYKJO74a-92lDu8VLwTBhvbtLNbsLGt7iwUP5XsXO7O5MHc-a8Muc9qqMl86TF2v0yi5EzmclB68d31Cn7c7pAF8HJ-YM8oA__\u0026Key-Pair-Id=APKAJLOHF5GGSLRBV4ZA"}]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="38031912"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/38031912/Challenges_emerging_from_Macroeconomic_Change_in_Business_Environment_A_Case_of_UNNATI_Microfinance_Ltd"><img alt="Research paper thumbnail of Challenges emerging from Macroeconomic Change in Business Environment: A Case of UNNATI Microfinance Ltd" class="work-thumbnail" src="https://attachments.academia-assets.com/58054238/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/38031912/Challenges_emerging_from_Macroeconomic_Change_in_Business_Environment_A_Case_of_UNNATI_Microfinance_Ltd">Challenges emerging from Macroeconomic Change in Business Environment: A Case of UNNATI Microfinance Ltd</a></div><div class="wp-workCard_item wp-workCard--coauthors"><span>by </span><span><a class="" data-click-track="profile-work-strip-authors" href="https://independent.academia.edu/IRJMST">Interal Res journa Managt Sci Tech</a> and <a class="" data-click-track="profile-work-strip-authors" href="https://independent.academia.edu/priyasamant">priya samant</a></span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Case Abstract Synopsis UNNATI Microfinance Ltd. a Non Banking Financial Company (NBFC) operating ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Case Abstract Synopsis UNNATI Microfinance Ltd. a Non Banking Financial Company (NBFC) operating in nine districts of Uttarakhand, with major focus in rural areas. It provides credit to poor women and work towards improving their socioeconomic well being. 'Demonetization' was major economic reform announced on November 8th, 2016 hard hit the organisation. Non repayment by clients, decline in loan repayment, rising loan losses, increase in Non Performing asset, Liquidity Crunch and loosing customer base are the challenges which organisation is facing since 'Demonetization'. Several meetings and discussions were conducted taken place but the question still remains that 'What strategies should be developed to minimise its effects and sustain in the market'. Research Methodology The case used both types of data collected from primary sources and secondary sources. Branch Managers and various field officials of UNNATI Microfinance to gain insights on the challenges faced. Secondary sources include data from various websites, journals, newspapers to have opinion of the other players in the industry and experts. Relevant Course and Levels This case is useful for MBA and Post Graduate courses in Rural Management, Social Work and Public Policy. The case can be conducted in the form of discussions or Role play where the various issues are discussed and solutions are looked for. The case also holds importance for other financial institutions including Non Governmental Organizations (NGOs), Microfinance Institutions, Banks etc and Policymakers.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="ad18f5b5df6f3bbf5ad95cbd1203240a" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":58054238,"asset_id":38031912,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/58054238/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="38031912"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="38031912"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 38031912; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=38031912]").text(description); $(".js-view-count[data-work-id=38031912]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 38031912; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='38031912']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "ad18f5b5df6f3bbf5ad95cbd1203240a" } } $('.js-work-strip[data-work-id=38031912]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":38031912,"title":"Challenges emerging from Macroeconomic Change in Business Environment: A Case of UNNATI Microfinance Ltd","translated_title":"","metadata":{"abstract":"Case Abstract Synopsis UNNATI Microfinance Ltd. a Non Banking Financial Company (NBFC) operating in nine districts of Uttarakhand, with major focus in rural areas. It provides credit to poor women and work towards improving their socioeconomic well being. 'Demonetization' was major economic reform announced on November 8th, 2016 hard hit the organisation. Non repayment by clients, decline in loan repayment, rising loan losses, increase in Non Performing asset, Liquidity Crunch and loosing customer base are the challenges which organisation is facing since 'Demonetization'. Several meetings and discussions were conducted taken place but the question still remains that 'What strategies should be developed to minimise its effects and sustain in the market'. Research Methodology The case used both types of data collected from primary sources and secondary sources. Branch Managers and various field officials of UNNATI Microfinance to gain insights on the challenges faced. Secondary sources include data from various websites, journals, newspapers to have opinion of the other players in the industry and experts. Relevant Course and Levels This case is useful for MBA and Post Graduate courses in Rural Management, Social Work and Public Policy. The case can be conducted in the form of discussions or Role play where the various issues are discussed and solutions are looked for. The case also holds importance for other financial institutions including Non Governmental Organizations (NGOs), Microfinance Institutions, Banks etc and Policymakers.","ai_title_tag":"Macroeconomic Challenges in Microfinance: UNNATI's Case Study"},"translated_abstract":"Case Abstract Synopsis UNNATI Microfinance Ltd. a Non Banking Financial Company (NBFC) operating in nine districts of Uttarakhand, with major focus in rural areas. It provides credit to poor women and work towards improving their socioeconomic well being. 'Demonetization' was major economic reform announced on November 8th, 2016 hard hit the organisation. Non repayment by clients, decline in loan repayment, rising loan losses, increase in Non Performing asset, Liquidity Crunch and loosing customer base are the challenges which organisation is facing since 'Demonetization'. Several meetings and discussions were conducted taken place but the question still remains that 'What strategies should be developed to minimise its effects and sustain in the market'. Research Methodology The case used both types of data collected from primary sources and secondary sources. Branch Managers and various field officials of UNNATI Microfinance to gain insights on the challenges faced. Secondary sources include data from various websites, journals, newspapers to have opinion of the other players in the industry and experts. Relevant Course and Levels This case is useful for MBA and Post Graduate courses in Rural Management, Social Work and Public Policy. The case can be conducted in the form of discussions or Role play where the various issues are discussed and solutions are looked for. The case also holds importance for other financial institutions including Non Governmental Organizations (NGOs), Microfinance Institutions, Banks etc and Policymakers.","internal_url":"https://www.academia.edu/38031912/Challenges_emerging_from_Macroeconomic_Change_in_Business_Environment_A_Case_of_UNNATI_Microfinance_Ltd","translated_internal_url":"","created_at":"2018-12-23T23:47:00.598-08:00","preview_url":null,"current_user_can_edit":null,"current_user_is_owner":null,"owner_id":8530768,"coauthors_can_edit":true,"document_type":"paper","co_author_tags":[{"id":32154960,"work_id":38031912,"tagging_user_id":8530768,"tagged_user_id":14309458,"co_author_invite_id":null,"email":"p***2@gmail.com","display_order":1,"name":"priya samant","title":"Challenges emerging from Macroeconomic Change in Business Environment: A Case of UNNATI Microfinance Ltd"},{"id":32154961,"work_id":38031912,"tagging_user_id":8530768,"tagged_user_id":null,"co_author_invite_id":1806307,"email":"a***h@amity.edu","display_order":2,"name":"Anurupa Singh","title":"Challenges emerging from Macroeconomic Change in Business Environment: A Case of UNNATI Microfinance Ltd"}],"downloadable_attachments":[{"id":58054238,"title":"","file_type":"pdf","scribd_thumbnail_url":"https://attachments.academia-assets.com/58054238/thumbnails/1.jpg","file_name":"7369.pdf","download_url":"https://www.academia.edu/attachments/58054238/download_file","bulk_download_file_name":"Challenges_emerging_from_Macroeconomic_C.pdf","bulk_download_url":"https://d1wqtxts1xzle7.cloudfront.net/58054238/7369-libre.pdf?1545638067=\u0026response-content-disposition=attachment%3B+filename%3DChallenges_emerging_from_Macroeconomic_C.pdf\u0026Expires=1738615530\u0026Signature=UnnEiSLuviBxWulGMHI5QmfuhY9F7HDmHeg5RLx5npcfxCC4cXfcMw1HLKb02XSF0DN5SvnUa3EUFi8S2C4IUY0SusGh-RAOPDFORAvxBWfIiKYXt19CiyuiBM4wrTWfASIEbTGp6xLZ7cAmRRQI9WC6Lh4jbRbFHqcwUqS~JC1oB~dtDkSdhxdAJ4fkVTPbt353zsmcHU1Pr0fTIO2pHwwv6MZR4Bc8i--B3TbFt2K30xakco2v64W~1c3gN6VdfW3OjFyLOxehJSmJh1aLD69VriCry1dDeu1rJOZdWPte1f5tcSvzwsczwcqlNyiXiK1KMb4raRrHhxiPscV6Cw__\u0026Key-Pair-Id=APKAJLOHF5GGSLRBV4ZA"}],"slug":"Challenges_emerging_from_Macroeconomic_Change_in_Business_Environment_A_Case_of_UNNATI_Microfinance_Ltd","translated_slug":"","page_count":6,"language":"en","content_type":"Work","summary":"Case Abstract Synopsis UNNATI Microfinance Ltd. a Non Banking Financial Company (NBFC) operating in nine districts of Uttarakhand, with major focus in rural areas. It provides credit to poor women and work towards improving their socioeconomic well being. 'Demonetization' was major economic reform announced on November 8th, 2016 hard hit the organisation. Non repayment by clients, decline in loan repayment, rising loan losses, increase in Non Performing asset, Liquidity Crunch and loosing customer base are the challenges which organisation is facing since 'Demonetization'. Several meetings and discussions were conducted taken place but the question still remains that 'What strategies should be developed to minimise its effects and sustain in the market'. Research Methodology The case used both types of data collected from primary sources and secondary sources. Branch Managers and various field officials of UNNATI Microfinance to gain insights on the challenges faced. Secondary sources include data from various websites, journals, newspapers to have opinion of the other players in the industry and experts. Relevant Course and Levels This case is useful for MBA and Post Graduate courses in Rural Management, Social Work and Public Policy. The case can be conducted in the form of discussions or Role play where the various issues are discussed and solutions are looked for. 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This is tool to curb black money, reduce terror funding, money laundering etc by reducing the cash in the economy which is directly related to these issues. Whenever such large amount of cash is withdrawn, it creates ripples in every sector of the economy especially when the sectors are largely cash driven like handicrafts, textiles, real estate, and construction etc. Demonetization made huge impact on NBFC-MFIs as the industry is entirely cash driven. The paper studies the impact of Demonetization on NBFC-MFIs drawing incidental data from MFIN reports and considering various indicators-collection efficiency, Portfolio at Risk, loan disbursements, mode of disbursements and outstanding borrowing. The findings suggest that the impact of Demonetization was felt across the sector with short term impact being deteriorating. But, post-demonetization period saw improvement in these indicators.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="64072563"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="64072563"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 64072563; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=64072563]").text(description); $(".js-view-count[data-work-id=64072563]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 64072563; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='64072563']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (false){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "-1" } } $('.js-work-strip[data-work-id=64072563]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":64072563,"title":"IMPACT OF DEMONETISATION ON NBFC-MFIs: An incidental data analysis","internal_url":"https://www.academia.edu/64072563/IMPACT_OF_DEMONETISATION_ON_NBFC_MFIs_An_incidental_data_analysis","owner_id":14309458,"coauthors_can_edit":true,"owner":{"id":14309458,"first_name":"priya","middle_initials":null,"last_name":"samant","page_name":"priyasamant","domain_name":"independent","created_at":"2014-07-24T22:00:09.417-07:00","display_name":"priya samant","url":"https://independent.academia.edu/priyasamant"},"attachments":[]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="64072553"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" rel="nofollow" href="https://www.academia.edu/64072553/Challenges_emerging_from_Macroeconomic_Change_in_Business_Environment_A_Case_of_UNNATI_Microfinance_Ltd"><img alt="Research paper thumbnail of Challenges emerging from Macroeconomic Change in Business Environment: A Case of UNNATI Microfinance Ltd" class="work-thumbnail" src="https://a.academia-assets.com/images/blank-paper.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" rel="nofollow" href="https://www.academia.edu/64072553/Challenges_emerging_from_Macroeconomic_Change_in_Business_Environment_A_Case_of_UNNATI_Microfinance_Ltd">Challenges emerging from Macroeconomic Change in Business Environment: A Case of UNNATI Microfinance Ltd</a></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Case Abstract Synopsis UNNATI Microfinance Ltd. a Non Banking Financial Company (NBFC) operating ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Case Abstract Synopsis UNNATI Microfinance Ltd. a Non Banking Financial Company (NBFC) operating in nine districts of Uttarakhand, with major focus in rural areas. It provides credit to poor women and work towards improving their socioeconomic well being. &amp;#39;Demonetization&amp;#39; was major economic reform announced on November 8th, 2016 hard hit the organisation. Non repayment by clients, decline in loan repayment, rising loan losses, increase in Non Performing asset, Liquidity Crunch and loosing customer base are the challenges which organisation is facing since &amp;#39;Demonetization&amp;#39;. Several meetings and discussions were conducted taken place but the question still remains that &amp;#39;What strategies should be developed to minimise its effects and sustain in the market&amp;#39;. Research Methodology The case used both types of data collected from primary sources and secondary sources. Branch Managers and various field officials of UNNATI Microfinance to gain insights on the challenges faced. Secondary sources include data from various websites, journals, newspapers to have opinion of the other players in the industry and experts. Relevant Course and Levels This case is useful for MBA and Post Graduate courses in Rural Management, Social Work and Public Policy. The case can be conducted in the form of discussions or Role play where the various issues are discussed and solutions are looked for. The case also holds importance for other financial institutions including Non Governmental Organizations (NGOs), Microfinance Institutions, Banks etc and Policymakers.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="64072553"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="64072553"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 64072553; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=64072553]").text(description); $(".js-view-count[data-work-id=64072553]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 64072553; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='64072553']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (false){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "-1" } } $('.js-work-strip[data-work-id=64072553]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":64072553,"title":"Challenges emerging from Macroeconomic Change in Business Environment: A Case of UNNATI Microfinance Ltd","internal_url":"https://www.academia.edu/64072553/Challenges_emerging_from_Macroeconomic_Change_in_Business_Environment_A_Case_of_UNNATI_Microfinance_Ltd","owner_id":14309458,"coauthors_can_edit":true,"owner":{"id":14309458,"first_name":"priya","middle_initials":null,"last_name":"samant","page_name":"priyasamant","domain_name":"independent","created_at":"2014-07-24T22:00:09.417-07:00","display_name":"priya samant","url":"https://independent.academia.edu/priyasamant"},"attachments":[]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="64072499"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/64072499/Impact_of_Microcredit_on_Women_Empowerment_Indicators_An_empirical_reserach_in_the_state_of_Uttarakhand"><img alt="Research paper thumbnail of Impact of Microcredit on Women Empowerment Indicators: An empirical reserach in the state of Uttarakhand" class="work-thumbnail" src="https://attachments.academia-assets.com/76277766/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/64072499/Impact_of_Microcredit_on_Women_Empowerment_Indicators_An_empirical_reserach_in_the_state_of_Uttarakhand">Impact of Microcredit on Women Empowerment Indicators: An empirical reserach in the state of Uttarakhand</a></div><div class="wp-workCard_item"><span>International Journal of Recent Technology and Engineering</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Women Empowerment has been on national agenda of every government. In developing nation women com...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Women Empowerment has been on national agenda of every government. In developing nation women comprises fifty percent of the population so empowering them is crucial for development and nation building. Various Microfinance Institutions (MFIs) extends microcredit/loan via group model (Self Help Groups and Joint Liability Groups) to the marginalised segment particularly women groups and minorities primarily residing in rural areas with an aim to empower them and foster their socio-economic development. Previous studies have shown that microcredit has positive impact, but providing credit alone does not guarantee empowerment of the member beneficiaries. From past studies it can be concluded that empowerment demand an integrated approach from all the participating bodies/institutions involved, only then can be the objective of socio-economic development be accomplished. Since today very limited literature is available on microcredit and its impact. The current research examines the imp...</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="a2645b6289ddd2207f7ce4b73c69ac4a" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":76277766,"asset_id":64072499,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/76277766/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="64072499"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="64072499"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 64072499; 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$(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="38031912"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/38031912/Challenges_emerging_from_Macroeconomic_Change_in_Business_Environment_A_Case_of_UNNATI_Microfinance_Ltd"><img alt="Research paper thumbnail of Challenges emerging from Macroeconomic Change in Business Environment: A Case of UNNATI Microfinance Ltd" class="work-thumbnail" src="https://attachments.academia-assets.com/58054238/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/38031912/Challenges_emerging_from_Macroeconomic_Change_in_Business_Environment_A_Case_of_UNNATI_Microfinance_Ltd">Challenges emerging from Macroeconomic Change in Business Environment: A Case of UNNATI Microfinance Ltd</a></div><div class="wp-workCard_item wp-workCard--coauthors"><span>by </span><span><a class="" data-click-track="profile-work-strip-authors" href="https://independent.academia.edu/IRJMST">Interal Res journa Managt Sci Tech</a> and <a class="" data-click-track="profile-work-strip-authors" href="https://independent.academia.edu/priyasamant">priya samant</a></span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Case Abstract Synopsis UNNATI Microfinance Ltd. a Non Banking Financial Company (NBFC) operating ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Case Abstract Synopsis UNNATI Microfinance Ltd. a Non Banking Financial Company (NBFC) operating in nine districts of Uttarakhand, with major focus in rural areas. It provides credit to poor women and work towards improving their socioeconomic well being. 'Demonetization' was major economic reform announced on November 8th, 2016 hard hit the organisation. Non repayment by clients, decline in loan repayment, rising loan losses, increase in Non Performing asset, Liquidity Crunch and loosing customer base are the challenges which organisation is facing since 'Demonetization'. Several meetings and discussions were conducted taken place but the question still remains that 'What strategies should be developed to minimise its effects and sustain in the market'. Research Methodology The case used both types of data collected from primary sources and secondary sources. Branch Managers and various field officials of UNNATI Microfinance to gain insights on the challenges faced. Secondary sources include data from various websites, journals, newspapers to have opinion of the other players in the industry and experts. Relevant Course and Levels This case is useful for MBA and Post Graduate courses in Rural Management, Social Work and Public Policy. The case can be conducted in the form of discussions or Role play where the various issues are discussed and solutions are looked for. The case also holds importance for other financial institutions including Non Governmental Organizations (NGOs), Microfinance Institutions, Banks etc and Policymakers.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="ad18f5b5df6f3bbf5ad95cbd1203240a" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":58054238,"asset_id":38031912,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/58054238/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="38031912"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="38031912"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 38031912; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=38031912]").text(description); $(".js-view-count[data-work-id=38031912]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 38031912; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='38031912']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "ad18f5b5df6f3bbf5ad95cbd1203240a" } } $('.js-work-strip[data-work-id=38031912]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":38031912,"title":"Challenges emerging from Macroeconomic Change in Business Environment: A Case of UNNATI Microfinance Ltd","translated_title":"","metadata":{"abstract":"Case Abstract Synopsis UNNATI Microfinance Ltd. a Non Banking Financial Company (NBFC) operating in nine districts of Uttarakhand, with major focus in rural areas. 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