A Bout Micro Finance

About Micro Finance

Ha. Friends I would like to share about the Micro Finance .today I was attended the micro finance modules class this session engaged by Mr. Pavan sir taken the class .

Microfinance is a source of financial services for entrepreneurs and small businesses lacking access to banking and related services. The two main mechanisms for the delivery of financial services to such clients are:   relationship-based banking for individual entrepreneurs and small businesses; group-based models, where several entrepreneurs come together to apply for loans and other services as a group. Only 20% access loan from the formal sources and 80% from the informal sources Micro finance .Annual credit demand by the poor is estimated to be about Rs 60,000crores. And only 12,000 cores are disbursed. (April 09)Customers of Micro Finance are “Small and marginal farmers", " rural artisans" and "economically weaker sections“

 Focus on, providing the capital for poor women to use their innate "survival skills" to pull themselves out of poverty. Lend  mostly to women in small groups (credit circles), say of five or seven. Draw up a weekly or bi-weekly repayment schedule .In case any member defaults the entire circle is denied access to credit There is hue and cry on the high rate of interest which is being charged  by many MFI’s. Policymaker concern over high interest rates

Futures of micro finance

Estimated that in next five years, 65% of the poor people will have excess to MFIs. Many Pvt. Banks and Foreign Banks would enter this business segment, because of very low NPAs. Estimated that 5 % of the number of people below the poverty line will get reduced in the next 5 years. World Bank report  I learnt in detail the process of Micro Finance, from its need at the grass root level .Functioning of various Semi Gout& various other delivery channels. Practical learning of how SHGs are formed .Practical learning of how the MFIs works. Most important learning, how it can change the life of the Economic disadvantaged people.

My storey exprences

Wardle :

Joyful ,Interesting, Exciting, Wonderful, Curious, Excellent, Expressive ,Participation, Benefits, Things ,Very Interesting   

I would like share my today class expressions .Today afternoon session is very joyful day this session I learnt the more things ,this session things about the English words new collected the today one activity this activity just like a dismal art .This activity divided by six groups my fellows each group Four  numbers for each group from one person took the paper .In that paper one sentence one person explain .only we had to express what is the sentence ,and remaining group fellows guess through action .this like a non verbal communication .this session wonderful learning’s this activity is we can understanding the other problems and other feelings communication with dumb and deaf people by doing with any activity we all are fellows lot of enjoyed this session .my paper express is about telephone ringing with Phone booth this word explain is very hard so many times try the explain my group fellow Sarthe was expression was very good and she good explain .this sentence is saritha got the sentence more of people try to the explained .something that because joke we all are enjoyed .any person participation is all are interesting and excellent performs the class .this all groups making the sentence all fellows learning’s the new things and more activates very good performs this session was very funny jokes this session .

About Warangal Dist

Warangal district is located in the northern region of the state of Telangana  India. The administrative seat is Warangal  The district is at a distance of approx. 80 km. from the state capital Hyderabad  Warangal District has an area of 12,846 km², and a population of 3,246,004 of which 19.20% was urban as of 2001. The district is bounded by Karimnagar District to the north, Kham am District  to the east and southeast, Nalgonda District  to the southwest, and Medak District  to the west. Warangal is well known for its granite quarries (notably the black and brown varieties) and as a market for rice, chili peppers cotton and tobacco  The Warangal district headquarters is also Warangal  This includes Warangal, Hanamkonda and Kazipet areas the towns in the district includes Parkal ,Mahabubabad ,Janagaon ,Narsampet ,Thorrur, Bhupalpally etc. Warangal was the capital of Kakatiya kingdom ruled by the Kakatiya dynasty from the 12th to the 14th centuries. Warangal also known as Orugallu, Ekasila Nagaram . The old name of this place is Orugallu. Oru means one and Gallu means stone. The Kakatiya left many monuments, including an impressive fortress,

Warangal national Highway India between Hyderabad to Bhopalpatham  Warangal to Hyderabad only 140 K.M only  .Warangal to rail route is available just Warangal to Hyderabad just two hours journey . Warangal dist. so many temple have old temple is Thousand pillars temple and Warangal Fort and Ramappa temple and Pakhal lake and Me dram Shiva temple . Warangal Kakatiya University have education development .Warangal biggest real-estate and Bharakalley temple is development. This is my Warangal dist. . APGENCO has set up a 500 MW (and another unit of 1x600MW unit is under construction, thus the total capacity will become 1100MW) super thermal power plant in the Chelpur/ Bhupalpally area. Power Grid Corporation of India Limited is having a 630MVA, 400/220KV Substation in the Oglapur village in Atmakur  mandala.,Ganga River have in dist. 

Swami Vivekananda

Swami Vivekananda was born on 12january 1863 to 4july 1902 .The Swami Vivekanda  child hood name is Narendranathdatta . He is 19^th century .saint Ramarkrishna Indian philosophies of Vedanta and Yoga to the Western world bringing Hinduism the status of a major world religion during the late 19th century  Vivekananda founded the Ramakrishna Math and the Ramakrishna Mission. He is perhaps best known for his speech which began, "Sisters and brothers of America  in which he introduced Hinduism at the Parliament of the World's Religions in Chicago in 1893. He was also interested in Hindu scriptures, including the Vedas the Upanishads the Bhagavad Gita the Ramayana  the Mahabharata and the Purina’s    Narendra was trained in Indian classical music and regularly participated in physical exercise, sports and organized  activities.

Swami Vivekanda was around Narendra became a member of a Freemasonry lodge and a breakaway faction of the BrahmoSamaj led by Keshub Chandra Senand Debendranath Tagore His initial beliefs were shaped by Brahmo concepts, which included belief in a formless God and the deprecation of idolatry. Narendra's first introduction to Ramakrishna occurred in a literature class at General Assembly's Institution when he heard Professor William Hastie lecturing on William Wordsworth's poem, The Excursion While explaining the word "trance" in the poem, Hastie suggested that his students visit Ramakrishna of Dakshineswar to understand the true meaning of trance. This prompted some of his students including Narendra to visit Ramakrishna.

   Go forward without a path,

Fearing nothing, caring for nothing!

Wandering alone, like the rhinoceros!

Even as a lion, not trembling at noises,

Even as the wind, not caught in the net

Even as the lotus leaf, untainted by water,

Do thou wander alone, like the rhinoceros!

Yoga

.Yoga

I would like to share my learning’s .every day started with yoga session in this yoga session madam daily introduces  new Aassans every day I am learn new Aasana that Aasana name was Sheer Sana. This is king of all Aasanas. These Aasanas very useful to our Body relief, activeness, mind sharpness and sleeping mode gone . yoga is very usefully psychically and mentally practice the yoga .yoga is every person every day morning and evening also practice .morning practice is very usefully .I learnt the some asana surya  namaskara is eighteen steps is practice body and relief . Yoga gurus from India later introduced yoga to the west following the success of Swami Vivekananda in the late 19th and early 20th century. In the 1980s .yoga Hindu Samkhya  philosophy .

Yoga starting go back in the Vedas Indian traditional most development  around the fifth and sixteen century BCE. Yoga is different types in yoga we all are practice ex.Shivism and bhidivism  and yoga The term "yoga" has been applied to a variety of practices and methods. The well-known Hindu schools of Yoga being janya Yoga Bhakti Yoga Karma Yoga Laya Yoga and Hath Yoga but also including Jain and Buddhist practices. Yoga Sutras of  Pantajali constitute classical Ashtanga Yoga the eight limbs, also called Raja Yoga. Yoga practice health is very good and day totally activeness body also relief nests yoga daily practice improve the confidence level   and mind thinking power development .daily practice every one sleeping mode is gone .and yoga so many assans name think every day i learnt the new assans every person doing yoga womens and childrens and oldge people and running pratice is very good .