Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 150
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 151
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 151
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 97
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

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        LATEST NEWS UPDATES | Andhra Pradesh passes microfinance Act    </title>
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On December 15, the Andhra Pradesh legislative assembly cleared a bill to regulate microfinance institutions (MFIs) in the state. The bill replaces an ordinance issued in October following 54 suicide deaths allegedly due to coercive methods of loan recovery by..."/>
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On December 15, the Andhra Pradesh legislative assembly cleared a bill to regulate microfinance institutions (MFIs) in the state. The bill replaces an ordinance issued in October following 54 suicide deaths allegedly due to coercive methods of loan recovery by..." />
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                            <br /><div align="justify">On December 15, the Andhra Pradesh legislative assembly cleared a bill to regulate microfinance institutions (MFIs) in the state. The bill replaces an ordinance issued in October following 54 suicide deaths allegedly due to coercive methods of loan recovery by MFIs (see &lsquo;Death by Default&rsquo;, Down To Earth, November 30, 2010).<br /><br />The bill mandates MFIs to be registered with the district authority to collect installments at the panchayat office and restricts fresh lending without prior approval of the authority. The bill does not cap the interest rate charged by MFIs as demanded by civil society groups and politicians. MFI representatives had lobbied against any attempt to put a ceiling on the interest rate. &ldquo;This is a respite for MFIs,&rdquo; said Vijay Mahajan, president of Microfinance Institutions Network, a self-appointed regulatory body.<br /><br />The respite might be short-lived. A few days before the bill was passed, the state government recommended the Reserve Bank of India&rsquo;s (RBI) Y H Malegam Committee&mdash;set up to look into regulations for MFIs&mdash;to cap the interest rate. In its report, the government suggested 8 per cent interest rate for all MFIs while giving the state government power to supervise its implementation. This is about onethird of the current interest rate charged by MFIs.<br /><br />It also asked the RBI to debar MFIs from accessing capital market. This would block two major MFIs that have proposed entry into capital market with an objective of mobilising `2,000 crore in six months. MFIs allege the state government is pushing the regulations to gain a foothold in microfinace business.<br /><br />Since the state lends microfinance through self-help groups, the bill aims to keep the groups out of MFI&rsquo;s influence. Meanwhile, MFIs&rsquo; collection of installments has reduced to 20 per cent from 95 per cent in April- August. In Andhra Pradesh MFIs claim they are channelising collections from Chhattisgarh and West Bengal to repay their loans from banks.<br /><br /></div>                                                           
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    <br><a href="http://www.downtoearth.org.in/node/2766" class="re" target="_blank">Down to Earth, 15 December, 2010, http://www.downtoearth.org.in/node/2766</a><div class="clear"></div>
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On December 15, the Andhra Pradesh legislative assembly cleared a bill to regulate microfinance institutions (MFIs) in the state. The bill replaces an ordinance issued in October following 54 suicide deaths allegedly due to coercive methods of loan recovery by..."/>
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    <h1 class="cat-box-title">Andhra Pradesh passes microfinance Act</h1>
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                            <br /><div align="justify">On December 15, the Andhra Pradesh legislative assembly cleared a bill to regulate microfinance institutions (MFIs) in the state. The bill replaces an ordinance issued in October following 54 suicide deaths allegedly due to coercive methods of loan recovery by MFIs (see &lsquo;Death by Default&rsquo;, Down To Earth, November 30, 2010).<br /><br />The bill mandates MFIs to be registered with the district authority to collect installments at the panchayat office and restricts fresh lending without prior approval of the authority. The bill does not cap the interest rate charged by MFIs as demanded by civil society groups and politicians. MFI representatives had lobbied against any attempt to put a ceiling on the interest rate. &ldquo;This is a respite for MFIs,&rdquo; said Vijay Mahajan, president of Microfinance Institutions Network, a self-appointed regulatory body.<br /><br />The respite might be short-lived. A few days before the bill was passed, the state government recommended the Reserve Bank of India&rsquo;s (RBI) Y H Malegam Committee&mdash;set up to look into regulations for MFIs&mdash;to cap the interest rate. In its report, the government suggested 8 per cent interest rate for all MFIs while giving the state government power to supervise its implementation. This is about onethird of the current interest rate charged by MFIs.<br /><br />It also asked the RBI to debar MFIs from accessing capital market. This would block two major MFIs that have proposed entry into capital market with an objective of mobilising `2,000 crore in six months. MFIs allege the state government is pushing the regulations to gain a foothold in microfinace business.<br /><br />Since the state lends microfinance through self-help groups, the bill aims to keep the groups out of MFI&rsquo;s influence. Meanwhile, MFIs&rsquo; collection of installments has reduced to 20 per cent from 95 per cent in April- August. In Andhra Pradesh MFIs claim they are channelising collections from Chhattisgarh and West Bengal to repay their loans from banks.<br /><br /></div>                                                           
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    <br><a href="http://www.downtoearth.org.in/node/2766" class="re" target="_blank">Down to Earth, 15 December, 2010, http://www.downtoearth.org.in/node/2766</a><div class="clear"></div>
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On December 15, the Andhra Pradesh legislative assembly cleared a bill to regulate microfinance institutions (MFIs) in the state. The bill replaces an ordinance issued in October following 54 suicide deaths allegedly due to coercive methods of loan recovery by..."/>
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    <h1 class="cat-box-title">Andhra Pradesh passes microfinance Act</h1>
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                            <br /><div align="justify">On December 15, the Andhra Pradesh legislative assembly cleared a bill to regulate microfinance institutions (MFIs) in the state. The bill replaces an ordinance issued in October following 54 suicide deaths allegedly due to coercive methods of loan recovery by MFIs (see &lsquo;Death by Default&rsquo;, Down To Earth, November 30, 2010).<br /><br />The bill mandates MFIs to be registered with the district authority to collect installments at the panchayat office and restricts fresh lending without prior approval of the authority. The bill does not cap the interest rate charged by MFIs as demanded by civil society groups and politicians. MFI representatives had lobbied against any attempt to put a ceiling on the interest rate. &ldquo;This is a respite for MFIs,&rdquo; said Vijay Mahajan, president of Microfinance Institutions Network, a self-appointed regulatory body.<br /><br />The respite might be short-lived. A few days before the bill was passed, the state government recommended the Reserve Bank of India&rsquo;s (RBI) Y H Malegam Committee&mdash;set up to look into regulations for MFIs&mdash;to cap the interest rate. In its report, the government suggested 8 per cent interest rate for all MFIs while giving the state government power to supervise its implementation. This is about onethird of the current interest rate charged by MFIs.<br /><br />It also asked the RBI to debar MFIs from accessing capital market. This would block two major MFIs that have proposed entry into capital market with an objective of mobilising `2,000 crore in six months. MFIs allege the state government is pushing the regulations to gain a foothold in microfinace business.<br /><br />Since the state lends microfinance through self-help groups, the bill aims to keep the groups out of MFI&rsquo;s influence. Meanwhile, MFIs&rsquo; collection of installments has reduced to 20 per cent from 95 per cent in April- August. In Andhra Pradesh MFIs claim they are channelising collections from Chhattisgarh and West Bengal to repay their loans from banks.<br /><br /></div>                                                           
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    <br><a href="http://www.downtoearth.org.in/node/2766" class="re" target="_blank">Down to Earth, 15 December, 2010, http://www.downtoearth.org.in/node/2766</a><div class="clear"></div>
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Home हिन्दी

Andhra Pradesh passes microfinance Act

Published on Jan 3, 2011   Modified on Jan 3, 2011

On December 15, the Andhra Pradesh legislative assembly cleared a bill to regulate microfinance institutions (MFIs) in the state. The bill replaces an ordinance issued in October following 54 suicide deaths allegedly due to coercive methods of loan recovery by MFIs (see ‘Death by Default’, Down To Earth, November 30, 2010). The bill mandates MFIs to be registered with the district authority to collect installments at the panchayat office and restricts fresh lending without prior approval of the authority. The bill does not cap the interest rate charged by MFIs as demanded by civil society groups and politicians. MFI representatives had lobbied against any attempt to put a ceiling on the interest rate. “This is a respite for MFIs,” said Vijay Mahajan, president of Microfinance Institutions Network, a self-appointed regulatory body. The respite might be short-lived. A few days before the bill was passed, the state government recommended the Reserve Bank of India’s (RBI) Y H Malegam Committee—set up to look into regulations for MFIs—to cap the interest rate. In its report, the government suggested 8 per cent interest rate for all MFIs while giving the state government power to supervise its implementation. This is about onethird of the current interest rate charged by MFIs. It also asked the RBI to debar MFIs from accessing capital market. This would block two major MFIs that have proposed entry into capital market with an objective of mobilising `2,000 crore in six months. MFIs allege the state government is pushing the regulations to gain a foothold in microfinace business. Since the state lends microfinance through self-help groups, the bill aims to keep the groups out of MFI’s influence. Meanwhile, MFIs’ collection of installments has reduced to 20 per cent from 95 per cent in April- August. In Andhra Pradesh MFIs claim they are channelising collections from Chhattisgarh and West Bengal to repay their loans from banks.

Down to Earth, 15 December, 2010, http://www.downtoearth.org.in/node/2766

Tagged with: Microfinance

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• RBI proposal to loosen lending norms for private players a catastrophe in the making -Rana Mitra
• How India's Financial Inclusion Infrastructure Failed During the Pandemic -Isabelle Guérin, Nithya Joseph and G Venkatasubramanian
• Probe for loan torment -Jaideep Hardikar

 

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