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Impact of Micro-Finance on Income Distribution of Rural Households in Andhra Pradesh
In recent years, micro-finance became an important intervention as a tool for poverty alleviation and rural development. Two important models dominate the sector i.e, the Micro-finance Institution Joint Liability Ground (JLG) model and the Self-Help Group (SHG) model. The study was undertaken in Kadapa and Kurnool districts of Andhra Pradesh with a view to estimating the impact of micro-finance on income distribution of sample respondents. Gini coefficient, Atkinson's measures, Generalised entropy measures and Decile dispersion ratio were used to measure the income inequalities. All the measures revealed that inequality was highest among non-participants and lowest among the members participated in both the micro-finance programmes. The results further revealed that income from agriculture, dairy and non-farm labour were the increasing sources of income inequality and non-farm self-employment was the inequality decreasing source of income.
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