A growing body of research asserts that the provision of capital through small-scale loans facilitated via rural banking reforms and microfinance initiatives is an effective policy intervention to promote self-employment. Such microfinance initiatives target individuals who face difficulty obtaining conventional loans through commercial banks, with women being a special target group. Without access to formal loans, these individuals have often had to rely on informal-sector money lenders and other
1.1 INTRODUCTION TO THE STUDY Asset Management involves the corresponding of costs, opportunities and risks against the desired performance of assets, to achieve the organizational objectives. This harmonizing power need to be considered over different time frames. Asset also enables an organization to examine the need for, and performance of, assets and asset systems at various levels. Additionally, it enable the application of analytical approaches towards managing an asset over the