STRUCTURE AND FUNCTIONING OF SELF HELP GROUPS IN PUNJAB

Size: px
Start display at page:

Download "STRUCTURE AND FUNCTIONING OF SELF HELP GROUPS IN PUNJAB"

Transcription

1 Indian J. Agric. Res., 41 (3) : , 2007 STRUCTURE AND FUNCTIONING OF SELF HELP GROUPS IN PUNJAB V. Randhawa and Sukhdeep Kaur Mann Department of Extension Education, Punjab Agricultural University, Ludhiana , India ABSTRACT The concept of Self Help Groups (SHG) is relatively new to Punjab and there is dearth of empirical data regarding analysis of SHGs in the state. The present study therefore focussed on tracing the genesis and structure and evaluate the functional aspects of SHGs. The study sample comprised 222 SHG leaders and 888 SHG members from 74 randomly selected blocks. The major findings revealed that majority of SHGs were promoted by GOs and there were few SHGs promoted by NGOs. The results of the study revealed that monthly meetings was their regular feature and majority of SHGs was using saving for interloaning purposes. Further, majority of the SHGs were performing badly in terms of capacity building of members. Therefore, future focus of SHG must be on capacity building and skill upgradation of rural women. INTRODUCTION Experiments in various developing countries proved that poor can be helped by organising them into small Self Help Groups (SHGs) and to touch the core of poverty, women could be the best agents. The group concept provides necessary mental courage to withstand crisis and carry on the activity without break. Moreover, the concept of group formation is the best strategy to enlighten women on certain important issues like small family norm, health, environment, education etc. The concept of Self Help Groups gained significance, especially after 1976 when Professor Mohammed Yunus of Bangladesh began experimenting with microcredit and women SHGs. The strategy made a quiet revolution in Bangladesh in poverty eradication by empowering the poor women (UNDP 1994). In India the concept of Self Help Groups can be traced back to the Gandhian Grama Swaraj movement. It was mainly concerned with the poor and it is for the people and of the people. The existence of traditional saving groups has a long and successful history in India. Informal SHGs oriented to saving and credit functions are not a new phenomenon (Desai and Namboodiri 2001). SHGs were widespread in the traditional and ancient times and they were the main basis of functioning of these societies. With the increase in modernisation, the needs of societies have undergone a change. In response to this, there is a revival of traditional SHGs with new structure and content to support the changing needs of people. This new concept of SHGs was introduced in India in 1985 by NABARD. Most of the SHGs of the country are concentrated in southern India and about are in Andhra Pradesh alone followed by Tamil Nadu, Karnataka and Maharashtra (Rao, 2002). Though the formation of SHGs is relatively a new phenomenon in Punjab still it has gained huge popularity lately. Many institutions are encouraging and inspiring formation of thrift and credit groups in Punjab to channelize the various poverty alleviation and social development programmes for women. Hence, the present study was planned with the following objectives: Objectives 1. To trace the genesis and structure of selected self help groups promoted by different organisations in Punjab.

2 158 INDIAN JOURNAL OF AGRICULTURAL RESEARCH 2. To explore the functional aspects of SHGs in promoting microsaving and interloaning activities. MATERIAL AND METHODS The present study based on survey research design covered all the 17 districts of Punjab. For the selection of an appropriate sample, multistage random sampling technique was adopted. In the first instance out of total 140 blocks from 17 districts, 50 per cent of the blocks from each district were randomly selected. In the second stage, three credit linked SHGs in the selected blocks were chosen at random. These groups represented all types of SHGs promoted by different institutions i.e. NGOs, GOs and Banks operating in rural areas to empower rural communities. Thus, number of selected SHGs was calculated to be 222 (74 x 3 = 222). Out of these 222 SHGs, seven were promoted by NGOs, 36 by banks and 179 SHGs were promoted by government organisations. From each selected SHG one group leader was interviewed. Thus, a total number of 222 leaders constituted the sample of the study. Besides, from each SHG four members were selected randomly for the purpose of data collection. Thus, total sample size of SHG members was 888 (222 x 4 = 888). Data was collected through interview schedule. Different interview schedules were prepared for collecting data from SHG members and SHG leader. In order to analyse structure and functioning of SHGs in terms of genesis, savings, meetings, interloaning, leadership pattern etc. items were formed on a multiple choice items and free response items. For selecting various variables under these categories relevant literature, SHG leaders, SHG members and promoting institutions were consulted. Data was analysed by using appropriate statistical procedures such as frequencies, percentages and z-tests. RESULTS AND DISCUSSION Genesis and structure of SHGs Data in Table 1 shows the genesis and structure of SHGs promoted by different agencies/institutions. The data revealed that majority of the groups i.e. 45 per cent were formulated during the year The number of group members in each group varied from In NGO promoted SHGs (NGOPSHGs) majority (86 per cent) of the groups were having members whereas this percentage of having members in a group came down to 78 and 59 per cent for bank promoted SHGs (BPSHGs) and government organisation promoted SHGs (GOPSHGs) respectively. Regarding the change in group size per cent of the respondents reported change in group size and the reasons given for change were - marriage of the members, default in repayment or new membership. It is evident from Table 1 that homogeneity in the standard of living of group numbers was one of major criterion for SHG formation as reported by per cent NGOPSHGs, 100 per cent GOPSHGs and 50 per cent BPSHGs. Motivational factors for joining the SHGs The information regarding the factors that motivated the members to join SHG was also collected. As perceived by the respondents the motivational factors for joining the SHGs were manifold. Table 2 shows the reasons given by the respondents for joining the SHGs. Nearly 95 per cent of the respondents from GOPSHGs reported that they joined the group for availing subsidy whereas per cent of the respondents from the BPSHGs joined the SHGs for availing loan. Higher percentage of respondents from GOPSHGs were motivated by subsidy as the government programme such as SGSY had provision for subsidy to the SHGs.

3 Vol. 41, No. 3, Table 1. Genesis and Structure of SHGs in Punjab Indicator Categories Type of promoting institution Total NGOPSHGs GOPSHGs BPSHGs (n =222) =7) (n 2 =179) (n 3 =36) 1. Year of group (2.23) - 4 (1.80) formation (30.73) 4 (11.11) 59 (26.58) (42.86) 72 (40.22) 26 (72.22) 101 (45.49) (57.14) 48 (26.82) 6 (16.67) 58 (26.13) 2. Group size member 6 (85.71) 106 (59.22) 28 (77.78) 140 (63.06) member 1 (14.29) 73 (40.73) 8 (22.22) 82 (36.94) 3. Change in group Yes 3 (42.86) 74 (41.34) 19 (52.78) 96 (43.24) size since inception No 4 (57.14) 105 (58.66) 17 (47.22) 126 (56.76) 4. Criteria for SHG Homogeneity in 6 (85.71) 179 (100.00) 18 (50.00) - formation* the standard of living Proximity of stay 4 (57.14) 36 (20.11) 11 (30.56) - Homogeneity in 4 (57.14) 102 (56.98) 17 (47.22) - activity performed Any other 1 (14.29) 8 (4.47) 5 (13.89) - * Multiple response; Figures in parentheses indicate percentages. Table 2. Motivational factors for joining SHGs Motivational Type of promoting institution z-value factors NGOPSHGs GOPSHGs BPSHGs NGO/GO NGO/Bank GO/Bank = 28) (n 2 = 716) (n 3 = 144) For availing loan 7 (25.00) 538 (75.14) 68 (47.22) 5.88*** 2.17** 6.70*** For promoting saving habits 19 (67.86) 196 (27.37) 49 (34.03) 4.64*** 3.35** 1.61 For family welfare - 2 (0.28) 1 (0.69) For economic independence 12 (42.86) 337 (47.07) 52 (36.11) ** For availing subsidy (95.25) 83 (57.64) 17.89*** 5.59*** *** For social security - 1 (0.14) 1 (0.69) For technical training 16 (57.14) 4 (0.56) 9 (6.25) 18.16*** 6.99*** 5.11*** Any other 4 (14.29) 6 (0.84) 4 (2.78) 6.06*** 2.65*** 1.98 Multiple response; Figures in parentheses indicate percentages; *** Significant at 1% level of significance; ** Significance at 5% level of significance. Calculation of z-values further lent support to the findings that the motivating factors for joining SHGs as opined by respondents belonging to different promoting institutions were significantly different for the reasons of getting loan, availing subsidy, technical training and promoting saving habits. This can be attributed to the fact that in GOPSHGs members were motivated and enticed by subsidy and easy loans whereas in case of NGOPSHGs technical training was a major motivational factor for joining the SHG. Leadership pattern of sampled SHGs Findings of the study revealed that majority (nearly 80 per cent) of the SHGs selected their leaders through consensus methods and very few SHGs used election

4 160 INDIAN JOURNAL OF AGRICULTURAL RESEARCH method for selecting their leaders. According to NABARD guidelines the leaders of SHGs were to be elected a fresh once in a year or once in two year. But contrary to this, in nearly 94 per cent of the selected SHGs, the same leaders were found to hold position since inception. The findings are in conformity with those of Rao (2004) who reported that in nearly 99 per cent of the selected SHGs, no election has taken place for leader and rotation of leader was also reported in only 33 per cent of cases. Functioning of SHGs Functioning of SHGs was studied in respect of four parameters i.e. meetings, savings, interloaning and training. Conduct and regularity of meeting of SHGs Regular meeting of SHG members is mandatory requirement to ensure smooth functioning of SHGs, effective participation of members and consensus involvement on various problems facing the group. SHGs promoted by different institutions have all been found holding the meetings. The main objective of group meetings as revealed by the study was collecting saving and discussing interloaning related issues as cent per cent respondents of all the three type of SHGs reported this (Table 3). Regarding the frequency of meetings it was found that meetings were conducted on monthly basis by per cent of SHGs and in 95 per cent of SHGs, meetings were not conducted regularly. Majority of the SHGs (75.22 per cent) reportedly conducted group meetings in the afternoon. This can be attributed to the fact that rural women are usually free in the afternoon after completing their household responsibilities. Compulsory attendance of members in the meetings was the pre-requisite for the smooth functioning of the group. It was one of the indicators that ensures the active participation of members in the group in a democratic manner. More than 90 per cent attendance was true to per cent NGOPSHGs, per cent GOPSHGs and per cent BPSHGs. Data in Table 3 further reveals that majority of the respondents (49.09 per cent) reported that the duration of meetings was two hours. The NGOPSHGs and BPSHGs were mainly conducting meetings at their office bearers residence followed by common place such as Gurduwara, Panchayat office, village community hall etc. However, majority (55.31 per cent) of GOPSHGs were conducting meetings in the Anganwadi centres. There is a provision for imposing penalty or fine for remaining absent from SHG meetings. Imposition of fine was 100 per cent in case of NGOPSHGs whereas in GOPSHGs and BPSHGs per cent and per cent of SHGs respectively were found to impose no fine for absenteeism. A penalty amount ranged from Re. 1 to Rs. 5. Saving and interloaning process As the basic objective of promoting SHGs among the poor women was to develop the habit of saving and using saving amount towards meeting the emergent and credit needs of the SHG members. Saving and interloaning activities of different SHGs are presented in Table 4. Data revealed that amount of saving contributed by different SHGs was found to range between Rs. 10 to Rs According to SHG rules amount of saving per month per member should be decided jointly by all members. Data in table 4 substantiated the fact that per cent of NGOPSHGs, per cent GOPSHGs and 75 per cent BPSHGs reportedly took joint decision about the values of saving amount. Findings in the table further revealed that nearly 77 per cent of the SHGs in all the three groups were found to be regular in their contribution towards savings.

5 Vol. 41, No. 3, Table 3. Conduct and regularity of meetings of SHGs Characteristics Type of promoting institution Total NGOPSHGs GOPSHGs BPSHGs (n=222) = 7) (n 2 = 179) (n 3 = 36) Objectives of the meeting* To discuss Savings 7 (100) 179 (100) 36 (100) Interloaning 7 (100) 179 (100) 36 (100) Problem of the group members 5 (71.43) 88 (49.16) 31 (86.11) Any other 2 (28.57) 39 (21.79) 12 (33.33) Frequency of meetings Monthly 7 (100) 135 (75.42) 23 (63.89) 165 (74.32) Fortnightly - 29 (16.20) 7 (19.44) 36 (16.22) Weekly - 6 (3.35) 4 (11.11) 10 (4.50) No regular meeting - 9 (5.03) 2 (5.56) 11 (4.95) Timings of the meeting Morning 4 (57.14) 19 (10.61) 18 (50.00) 41 (18.47) Afternoon 3 (42.86) 152 (84.92) 12 (33.33) 167 (75.22) Evening - 8 (4.47) 6 (16.67) 14 (6.31) Attendance in meeting More than 90% 5 (71.43) 57 (31.85) 8 (22.22) 70 (31.53) 70% to 90% 2 (28.57) 109 (60.89) 21 (58.33) 132 (59.46) Less than 70% - 13 (7.26) 7 (19.44) 20 (9.00) Duration of the meetings One hour - 64 (35.75) 18 (50.00) 82 (36.94) Two hour 7 (100) 87 (48.60) 15 (41.67) 109 (49.09) More than two hour - 28 (15.65) 3 (8.33) 31 (13.96) Venue of meetings In the Anganwadi Centre - 99 (55.31) - 99 (44.59) At office bearers residence 4 (57.14) 57 (31.84) 20 (55.56) 81 (36.48) At common place of the village 3 (42.86) 23 (12.85) 16 (44.4) 42 (18.92) Penalty/fine for absenteeism No fine - 39 (21.79) 7 (19.44) 46 (20.77) Re. 1 5 (71.43) 18 (10.06) 14 (38.89) 37 (16.67) Rs. 2 2 (28.57) 117 (65.36) 9 (25.00) 128 (57.66) Rs. 5-5 (2.79) 6 (16.67) 11 (4.95) * Multiple response; Figures in parentheses indicate percentages. Table 4. Savings and interloaning activities of SHGs Parameters Type of promoting institution z-value NGOPSHGs GOPSHGs BPSHGs NGO/ NGO/ GO/ = 7) (n 2 = 179) (n 3 = 36) GO Bank Bank Amount contributed towards saving Rs (3.91) Rs (28.57) 5 (2.79) *** 3.28*** 1.21 Rs (42.86) 92 (51.40) 28 (77.78) ** Rs (28.57) 71 (39.66) 6 (16.62) *** Rs (1.12) 2 (5.56) Rs (1.12) (Contd.

6 162 INDIAN JOURNAL OF AGRICULTURAL RESEARCH Parameters Type of promoting institution z-value NGOPSHGs GOPSHGs BPSHGs NGO/ NGO/ GO/ = 7) (n 2 = 179) (n 3 = 36) GO Bank Bank Decision about saving amount President - 10 (5.59) 9 (25.00) *** Secretary - 26 (14.52) ** All the group members jointly 5 (71.43) 94 (52.51) 27 (75.00) ** Any other 2 (28.57) 49 (27.37) *** 3.57*** Regularity in contribution towards savings Yes 5 (71.43) 137 (76.54) 29 (80.56) No 2 (28.57) 42 (23.45) 7 (19.44) Purpose of utilizing group saving* Making purchases for group - 19 (10.61) ** Inter-loaning among group members 7 (100) 179 (100) 32 (88.89) *** Giving loan to outside group member 5 (51.43) 63 (35.20) 18 (50.00) Monthly interest rate for inter-loaning 1 % - 36 (20.11) *** 2 % 7 (100) 143 (79.89) 36 (100) *** Monthly Interest rate for outsiders 2 % - 12 (19.05) ** 3 % 5 (100) 42 (66.67) 15 (83.33) % - 9 (14.29) 3 (16.67) Figures in parentheses indicate percentages; *** Significant at 1% level of significance; ** Significance at 5% level of significance. Hundred per cent each of NGOPSHGs and GOPSHGs and nearly 89 per cent of BPSHGs were using the saving amount for interloaning among group members. If the saving amount was not fully utilized in interloaning process it was kept in the bank, with the treasurer or with the president. It was reported that in all the NGOPSHGs and BPSHGs monthly interest rate was 2 per cent and nearly 80 per cent of GOPSHGs were charging the same rate of interest. Giving loan to women outside the group was considered as important source of income for SHGs. Hundred per cent groups from NGOPSHGs, per cent from GOPSHGs and per cent from BPSHGs charged 3 per cent from outside group members. Non-members preferred obtaining loans from these SHGs because in some villages money lenders were charging much more interest rate that varied from 5 per cent to 10 per cent (Table 4). Training for capacity building of SHGs The capacity building of SHG members through vigorous training plays an important role in empowering women and future sustainability of SHGs. The findings revealed that all the NGOPSHGs had received training on SHG orientation as well as training on income generating activities. The BPSHGs and GOPSHGs performed badly in terms of capacity building of SHG member. It is evident from Fig. 2 that per cent of BPSHGs and per cent of GOPSHGs had not received any sort of training, not even training on SHG concept and orientation. CONCLUSION AND RECOMMENDATIONS In Punjab, GOs, NGOs and banks have facilitated the creation of SHGs and majority of the SHGs have been promoted by GOs. The typical size of SHG is around members and they save on an average Rs Rs. 200

7 Vol. 41, No. 3, per month per member. The SHG working is being managed through consensus basis. Greater need was felt by SHG members for capacity building and skill development. Therefore, future SHG strategy must focus more and more on skill oriented training and capacity building of members. REFERENCES Desai, B. and Namboodri, N.V. (2001). Organisation and Management of Rural Financial Sector : Text, Cases and Exercises. Oxford and IBH Publishing Company Pvt. Ltd., New Delhi. Rao, V.M. (2002). Kurukshetra, 50: Rao, V. (2004). Soc. Welfare, 51: UNDP (1994). Empowerment of Women: UNDP Report Human Development in Bangladesh, New York.

REACTIONS OF SHG MEMBERS TOWARDS FUNCTIONING OF SELF HELP GROUPS

REACTIONS OF SHG MEMBERS TOWARDS FUNCTIONING OF SELF HELP GROUPS Raj. J. Extn. Edu. 19 : 79-83, 2011 REACTIONS OF SHG MEMBERS TOWARDS FUNCTIONING OF SELF HELP GROUPS Sukhdeep Kaur Mann*, Varinder Randhawa** and Kanwaljit Kaur*** ABSTRACT In India, NABARD initiated SHGs

More information

AN ANALYSIS OF SAVING PROCESS OF SELF HELP GROUPS IN HARYANA

AN ANALYSIS OF SAVING PROCESS OF SELF HELP GROUPS IN HARYANA Available online at : http://euroasiapub.org/current.php?title=ijrfm, pp. 125~131 ISSN(o): 2231-5985 Impact Factor: 5.861 Thomson Reuters ID: L-5236-2015 AN ANALYSIS OF SAVING PROCESS OF SELF HELP GROUPS

More information

ASIAN JOURNAL OF MANAGEMENT RESEARCH Online Open Access publishing platform for Management Research

ASIAN JOURNAL OF MANAGEMENT RESEARCH Online Open Access publishing platform for Management Research ASIAN JOURNAL OF MANAGEMENT RESEARCH Online Open Access publishing platform for Management Research Copyright 2010 All rights reserved Integrated Publishing association Case study ISSN 2229 3795 Women

More information

Impact of Microfinance on Indebtedness to Informal Sources among Clients of Microfinance Models in Palakkad

Impact of Microfinance on Indebtedness to Informal Sources among Clients of Microfinance Models in Palakkad Impact of Microfinance on Indebtedness to Informal Sources among Clients of Microfinance Models in Palakkad Deepa Viswan Research Scholar, Department of Commerce and Management Studies University of Calicut

More information

Evaluation of SHG-Bank Linkage: A Case Study of Rural Andhra Pradesh Women

Evaluation of SHG-Bank Linkage: A Case Study of Rural Andhra Pradesh Women EUROPEAN ACADEMIC RESEARCH Vol. II, Issue 8/ November 2014 ISSN 2286-4822 www.euacademic.org Impact Factor: 3.1 (UIF) DRJI Value: 5.9 (B+) Evaluation of SHG-Bank Linkage: A Case Study of Rural Andhra Pradesh

More information

Impact of SHGs on the Upliftment of Rural Women: An Economic Analysis

Impact of SHGs on the Upliftment of Rural Women: An Economic Analysis EUROPEAN ACADEMIC RESEARCH Vol. II, Issue 9/ December 2014 ISSN 2286-4822 www.euacademic.org Impact Factor: 3.1 (UIF) DRJI Value: 5.9 (B+) Impact of SHGs on the Upliftment of Rural Women: An Dr. RAJANI

More information

INTERCONTINENTAL JOURNAL OF FINANCE RESEARCH REVIEW

INTERCONTINENTAL JOURNAL OF FINANCE RESEARCH REVIEW ROLE OF MICROFINCE EMPOWER WOMEN THROUGH SELF HELP GROUPS IN TAMILNADU Dr.S.RAJA 1 M.ANNAM 2 1 Associate Professor, PG Department of Commerce& Research Centre, Vevekananda College, Tiruvendakam West, Madurai,

More information

IJEMR - May Vol.2 Issue 5 - Online - ISSN Print - ISSN

IJEMR - May Vol.2 Issue 5 - Online - ISSN Print - ISSN Role of Public Sector Banks in Microfinance - A Study of Public Sector Banks in the Southern Region of India * Dr. Sujatha Susanna Kumari. D Asst. Professor, Dept. of Commerce, School of Business Studies,

More information

World Review of Entrepreneurship, Management and Sust. Development, Vol. 1, No. 1,

World Review of Entrepreneurship, Management and Sust. Development, Vol. 1, No. 1, World Review of Entrepreneurship, Management and Sust. Development, Vol. 1, No. 1, 2005 91 Micro credit in India: an overview Mohanan Sankaran Faculty of Economics and Business Administration, Department

More information

Indian microfinance: lessons from Bangladesh

Indian microfinance: lessons from Bangladesh MPRA Munich Personal RePEc Archive Indian microfinance: lessons from Bangladesh Debnarayan Sarker Centre for Economic Studies, Department of Economics, Presidency College, Kolkata, India 2008 Online at

More information

Eradication of Poverty and Women Empowerment A study of Kudumbashree Projects in Ernakulum District of Kerala, India

Eradication of Poverty and Women Empowerment A study of Kudumbashree Projects in Ernakulum District of Kerala, India Eradication of Poverty and Women Empowerment A study of Kudumbashree Projects in Ernakulum District of Kerala, India Taramol K.G., Manipal University, Faculty of Management, Dubai, UAE. Email: taramol.kg@manipaldubai.com

More information

The Role Of Micro Finance In Women s Empowerment (An Empirical Study In Chittoor Rural Shg s) In A.P.

The Role Of Micro Finance In Women s Empowerment (An Empirical Study In Chittoor Rural Shg s) In A.P. The Role Of Micro Finance In Women s Empowerment (An Empirical Study In Chittoor Rural Shg s) In A.P. Dr. S. Sugunamma Lecturer in Economics, P.V.K.N. Govt College, Chittoor Abstract: The SHG method is

More information

Sai Om Journal of Commerce & Management A Peer Reviewed International Journal

Sai Om Journal of Commerce & Management A Peer Reviewed International Journal Volume 3, Issue 3 (March, 2016) Online ISSN-2347-7571 Published by: Sai Om Publications A STUDY ON FINANCIAL INCLUSION AMONG KUDUMBASREE MEMBERS WITH SPECIAL REFERENCE TO VILLIAPPALLY PANCHAYAT IN CALICUT

More information

www. epratrust.com Impact Factor : p- ISSN : e-issn : January 2015 Vol - 3 Issue- 1

www. epratrust.com Impact Factor : p- ISSN : e-issn : January 2015 Vol - 3 Issue- 1 www. epratrust.com Impact Factor : 0.998 p- ISSN : 2349-0187 e-issn : 2347-9671 January 2015 Vol - 3 Issue- 1 ROLE AND IMPACT OF MICROFINANCE ON WOMEN SELF HELP GROUPS (SHGS) WITH SPECIAL REFERENCE TO

More information

Analysis on Determinants of Micro-Credit Borrowings Rural SHG Women in North Coastal Andhra Pradesh

Analysis on Determinants of Micro-Credit Borrowings Rural SHG Women in North Coastal Andhra Pradesh Analysis on Determinants of Micro-Credit Borrowings Rural SHG Women in North Coastal Andhra Pradesh M. Madhuri Dept. of Commerce and Management Studies, Andhra University, Visakhapatnam, Andhra Pradesh

More information

A Study On Socio-Economic Condition Of Self Help Group Members At Village Warishpur, West Bengal

A Study On Socio-Economic Condition Of Self Help Group Members At Village Warishpur, West Bengal A Study On Socio-Economic Condition Of Self Help Group Members At Village Warishpur, West Bengal Badsha Pal M.A. in Geography, NET Qualified, Assistant Teacher of Aurangabad High School (H.S.), West Bengal

More information

AN ANALYTICAL STUDY ON ECONOMIC EMPOWERMENT OF WOMEN THROUGH SELF HELP GROUPS WITH SPECIAL REFERENCE TO MADURAI

AN ANALYTICAL STUDY ON ECONOMIC EMPOWERMENT OF WOMEN THROUGH SELF HELP GROUPS WITH SPECIAL REFERENCE TO MADURAI AN ANALYTICAL STUDY ON ECONOMIC EMPOWERMENT OF WOMEN THROUGH SELF HELP GROUPS WITH SPECIAL REFERENCE TO MADURAI Ms. K. PRABA (Research scholar) Assistant Professor, Michael Institute of Management Madurai.

More information

Impact Assessment Of Women s Self Help Groups On Employment And Income In Marathwada Region Of MaharashtrA

Impact Assessment Of Women s Self Help Groups On Employment And Income In Marathwada Region Of MaharashtrA Bulletin of Environment, Pharmacology and Life Sciences Bull. Env. Pharmacol. Life Sci., Vol 6 Special issue [1] 2017: 519-524 2017 Academy for Environment and Life Sciences, India Online ISSN 2277-1808

More information

A study on the performance of SHG-Bank Linkage Programme towards Savings and Loan disbursements to beneficiaries in India

A study on the performance of SHG-Bank Linkage Programme towards Savings and Loan disbursements to beneficiaries in India A study on the performance of SHG-Bank Linkage Programme towards Savings and to beneficiaries in India Prof. Noorbasha Abdul, Ph.D. Professor of Commerce & Management, Acharya Nagarjuna University, Nagarjuna

More information

WOMEN EMPOWERMENT THROUGH SELF HELP GROUPS : A STUDY IN COIMBATORE DISTRICT

WOMEN EMPOWERMENT THROUGH SELF HELP GROUPS : A STUDY IN COIMBATORE DISTRICT Available online at : http://euroasiapub.org/current.php?title=ijrfm, pp. 36~43 Thomson Reuters Researcher ID: L-5236-2015 WOMEN EMPOWERMENT THROUGH SELF HELP GROUPS : A STUDY IN COIMBATORE DISTRICT Dr.

More information

African Journal of Hospitality, Tourism and Leisure Vol. 1 (3) - (2011) ISSN: Abstract

African Journal of Hospitality, Tourism and Leisure Vol. 1 (3) - (2011) ISSN: Abstract African Journal of Hospitality, Tourism and Leisure Vol. 1 (3) - (2011) ISSN: 1819-2025 Micro-Women Entrepreneurship and its potential for hospitality and tourism related enterprises amongst others: a

More information

An Empirical Study of Women Empowerment through Self Help Groups in Kurnool District of AP

An Empirical Study of Women Empowerment through Self Help Groups in Kurnool District of AP An Empirical Study of Women Empowerment through Self Help Groups in Kurnool District of AP Dr.D. Sreenivasulu 1, Dr.G.Vijaya Kumar 2 1 Lecturer in Commerce, Govt. Degree College, Pattikonda, Kurnool -

More information

WOMEN EMPOWERMENT THROUGH MICROFINANCE: A CASE STUDY OF WOMEN IN SELF HELP GROUP OF TUTICORIN DISTRICT IN TAMILNADU

WOMEN EMPOWERMENT THROUGH MICROFINANCE: A CASE STUDY OF WOMEN IN SELF HELP GROUP OF TUTICORIN DISTRICT IN TAMILNADU WOMEN EMPOWERMENT THROUGH MICROFINANCE: A CASE STUDY OF WOMEN IN SELF HELP GROUP OF TUTICORIN DISTRICT IN TAMILNADU *V. Arockia Amuthan. Abstract: The Indian women from an active section of the soy and

More information

MICROFINANCE: ITS EVOLUTION AND VARIOUS MODELS FOR ENPOWERMENT OF RURAL POOR IN INDIA

MICROFINANCE: ITS EVOLUTION AND VARIOUS MODELS FOR ENPOWERMENT OF RURAL POOR IN INDIA MICROFINANCE: ITS EVOLUTION AND VARIOUS MODELS FOR ENPOWERMENT OF RURAL POOR IN INDIA * Mrs. Ghousia Shameen, Assistant Prof., Millennium Institute of Management, Aurangabad. INTRODUCTION: The major concern

More information

Aarhat Multidisciplinary International Education Research Journal (AMIERJ) ISSN

Aarhat Multidisciplinary International Education Research Journal (AMIERJ) ISSN Page18 MICRO-FINANCE IN INDIA PROGRESS OF SHG-BANK LINKAGE PROGRAMME RAVINDER KUMAR Deptt. Of Commerce Kurukshetra University Kurukshetra RITIKA Deptt. Of Commerce Kurukshetra University Kurukshetra Abstract

More information

Impact of Micro Credit on Social Empowerment of Women in Madurai District - Tamil Nadu, A Study

Impact of Micro Credit on Social Empowerment of Women in Madurai District - Tamil Nadu, A Study Impact of Micro Credit on Social Empowerment of Women in Madurai District - Tamil Nadu, A Study Dr.N. SELVARAJ Assistant Professor of Commerce, Saraswathi Narayanan College, Madurai, Tamilnadu, India Abstract

More information

Financial Inclusion and Employment Generation of Rural Women Empowerment Thorough Self Help Groups- A Case Study Of Satna District

Financial Inclusion and Employment Generation of Rural Women Empowerment Thorough Self Help Groups- A Case Study Of Satna District Financial Inclusion and Employment Generation of Rural Women Empowerment Thorough Self Help Groups- A Case Study Of Satna District Ritwik Sahai Bisariya Introduction Financial inclusion is the delivery

More information

IMPACT OF MICRO CREDIT ON POVERTY (WITH SPECIAL REFERENCE TO VILLUPURAM DISTRICT)

IMPACT OF MICRO CREDIT ON POVERTY (WITH SPECIAL REFERENCE TO VILLUPURAM DISTRICT) IMPACT OF MICRO CREDIT ON POVERTY (WITH SPECIAL REFERENCE TO VILLUPURAM DISTRICT) V. Leela Assistant Professor, Department of Economics, Periyar Govt. Arts College, Cuddalore Abstract In the present context

More information

SHGs and Rural Development (A Study in Udaipur District)

SHGs and Rural Development (A Study in Udaipur District) Page31 SHGs and Rural Development (A Study in Udaipur District) Dr. Neeti Mathur* and Mr. Himanshu Mathur** *Assistant Professor, Department of Accounting& Finance, Adamas University, Barasat, Kolkata

More information

MOTIVATIONAL FACTORS AMONG TRIBAL WOMEN FOR JOINING SELF HELP GROUPS IN DHARMAPURI DISTRICT

MOTIVATIONAL FACTORS AMONG TRIBAL WOMEN FOR JOINING SELF HELP GROUPS IN DHARMAPURI DISTRICT International Journal of Research in Social Sciences Vol. 8 Issue 9, September 2018, ISSN: 2249-2496 Impact Factor: 7.081 Journal Homepage: Double-Blind Peer Reviewed Refereed Open Access International

More information

Microfinance in Haryana: Evaluation of Self Help Group-Bank Linkage Programme of NABARD in Haryana

Microfinance in Haryana: Evaluation of Self Help Group-Bank Linkage Programme of NABARD in Haryana Microfinance in Haryana: Evaluation of Self Help Group-Bank Linkage Programme of NABARD in Haryana Sachin 1 and Sameesh Khunger 2 1,2 (Assistant Professor, Department of Business Administration, Chaudhary

More information

CHAPTER \11 SUMMARY OF FINDINGS, CONCLUSION AND SUGGESTION. decades. Income distribution, as reflected in the distribution of household

CHAPTER \11 SUMMARY OF FINDINGS, CONCLUSION AND SUGGESTION. decades. Income distribution, as reflected in the distribution of household CHAPTER \11 SUMMARY OF FINDINGS, CONCLUSION AND SUGGESTION Income distribution in India shows remarkable stability over four and a half decades. Income distribution, as reflected in the distribution of

More information

CHAPTER VI ANALYSIS OF BORROWINGS

CHAPTER VI ANALYSIS OF BORROWINGS 6.1 Introduction CHAPTER VI ANALYSIS OF BORROWINGS When women move forward, the family moves, the village moves and the nation moves. Jawaharlal Nehru Access to finance, especially by the poor and vulnerable

More information

MICRO FINANCING AND BANK SUSTAINABILITY

MICRO FINANCING AND BANK SUSTAINABILITY MICRO FINANCING AND BANK SUSTAINABILITY Abstract Deposits are foundations upon which banks thrive and grow. Deposits generate cash reserves, and it is out of the excess cash reserve a bank holds that the

More information

Self-Help Groups Catalyst to Financial Inclusion of Rural Women A Case Study of Dakshina Kannada District, Karnataka.

Self-Help Groups Catalyst to Financial Inclusion of Rural Women A Case Study of Dakshina Kannada District, Karnataka. Self-Help Groups Catalyst to Financial Inclusion of Rural Women A Case Study of Dakshina Kannada District, Karnataka. Mr. Ramakrishna B *Research Scholar, GITAM Institute of Management, GITAM University,

More information

Self Help Groups, Eradication of Poverty and Inclusive Growth

Self Help Groups, Eradication of Poverty and Inclusive Growth Self Help Groups, Eradication of Poverty and Inclusive Growth *Dr. Ravindra K., Lecturer, Gulf College, Sultanate of Oman **Dr. Abhay Kumar Tiwari, Faculty Member, IBS Business School Dehradun Abstract

More information

A STUDY ON THE WOMEN DEVELOPMENT AND THE GROWTH OF MICROFINANCE IN TIRUPUR CITY. Principal, Tirupur Kumaran College for Women, Tirupur.

A STUDY ON THE WOMEN DEVELOPMENT AND THE GROWTH OF MICROFINANCE IN TIRUPUR CITY. Principal, Tirupur Kumaran College for Women, Tirupur. INTERCONTINENTAL JOURNAL OF MARKETING RESEARCH REVIEW A STUDY ON THE WOMEN DEVELOPMENT AND THE GROWTH OF MICROFINANCE IN TIRUPUR CITY U. GOMATHI 1 Dr. RACHEL NANC PHILIP 2 1 Associate Professor in Commerce,

More information

Socio-economic condition of self-help groups beneficiaries: A case study of block Sirsa

Socio-economic condition of self-help groups beneficiaries: A case study of block Sirsa International Journal of Advanced Research and Development ISSN: 2455-4030 Impact Factor: RJIF 5.24 www.advancedjournal.com Volume 2; Issue 6; November 2017; Page No. 334-338 Socio-economic condition of

More information

Efficiency of Kisan Credit Card (KCC) Scheme in Karnataka: A Comparative Study of Commercial and Co-operative Banks

Efficiency of Kisan Credit Card (KCC) Scheme in Karnataka: A Comparative Study of Commercial and Co-operative Banks Agricultural Economics Research Review Vol. 28 (No.2) July-December 2015 pp 351-357 DOI: 10.5958/0974-0279.2016.00013.6 Research Note Efficiency of Kisan Credit Card (KCC) Scheme in Karnataka: A Comparative

More information

A CASE STUDY ON THE DEVELOPMENT OF SCHEDULDED CAST IN ANDHRA PRADESH NEAR GUNTUR REGION

A CASE STUDY ON THE DEVELOPMENT OF SCHEDULDED CAST IN ANDHRA PRADESH NEAR GUNTUR REGION A CASE STUDY ON THE DEVELOPMENT OF SCHEDULDED CAST IN ANDHRA PRADESH NEAR GUNTUR REGION Y. RAVI CHANDRASEKHAR BABU 1* 1. SKBR GOVERNMENT DEGREE COLLEGE MACHERLA. GUNTUR DIST. ANDHRA PRADESH, INDIA Abstract

More information

E- ISSN X ISSN MICRO FINANCE-AN IMPERATIVE FOR FINANCIAL INCLUSION IN INDIA

E- ISSN X ISSN MICRO FINANCE-AN IMPERATIVE FOR FINANCIAL INCLUSION IN INDIA MICRO FINANCE-AN IMPERATIVE FOR FINANCIAL INCLUSION IN INDIA Dr.K.Jayalakshmi PDF(ICSSR),Dept. of Commerce,S.K.University, Anantapur. Andhra Pradesh. Abstract Financial inclusion is a flagship programme

More information

PERFORMANCE EVALUATION OF DCCBs IN INDIA - A STUDY

PERFORMANCE EVALUATION OF DCCBs IN INDIA - A STUDY 169 PERFORMANCE EVALUATION OF DCCBs IN INDIA - A STUDY ABSTRACT THIRUPATHI KANCHU* *Faculty Member, University College, Department of Commerce and Business Management, Satavahana University, Karimnagar,

More information

Women Empowerment through Self-Help Group Microfinance in Tamil Nadu, India

Women Empowerment through Self-Help Group Microfinance in Tamil Nadu, India International Journal of Current Microbiology and Applied Sciences ISSN: 2319-7706 Volume 7 Number 04 (2018) Journal homepage: http://www.ijcmas.com Original Research Article https://doi.org/10.20546/ijcmas.2018.704.158

More information

ROLE OF MICROFINANCE & SELF HELP GROUPS IN THE

ROLE OF MICROFINANCE & SELF HELP GROUPS IN THE International Journal of Research in Social Sciences Vol. 7 Issue 12, December 2017, ISSN: 2249-2496 Impact Factor: 7.081 Journal Homepage: Double-Blind Peer Reviewed Refereed Open Access International

More information

Analysis of Expenditure on Healthcare Schemes in Kinwat Taluka

Analysis of Expenditure on Healthcare Schemes in Kinwat Taluka Serials Publications Analysis of Expenditure on Healthcare Schemes in Kinwat Taluka National Academy of Agricultural Science (NAAS) Rating : 3. 03 Analysis of Expenditure on Healthcare Schemes in Kinwat

More information

Microfinance: A Tool of Poverty Alleviation with Bank Linkage Programme in Himachal Pradesh

Microfinance: A Tool of Poverty Alleviation with Bank Linkage Programme in Himachal Pradesh Microfinance: A Tool of Poverty Alleviation with Bank Linkage Programme in Himachal Pradesh - Mr. Rishi Kant * - Mr. Suyash Mishra ** - Ms. Swati Singh *** Abstract Microfinance sector has traversed a

More information

Women empowerment through microfinance: A case study of women in self help group of Uthangarai Taluk in Krishnagiri district Tamilnadu

Women empowerment through microfinance: A case study of women in self help group of Uthangarai Taluk in Krishnagiri district Tamilnadu International Multidisciplinary Research Journal 2011, 1(2):31-35 ISSN: 2231-6302 Available Online: http://irjs.info/ Women empowerment through microfinance: A case study of women in self help group of

More information

THE IMPACT OF MFIs ON ECONOMIC DEVELOPMENT OF RURAL WOMEN THROUGH SELF HELF GROUPS

THE IMPACT OF MFIs ON ECONOMIC DEVELOPMENT OF RURAL WOMEN THROUGH SELF HELF GROUPS THE IMPACT OF MFIs ON ECONOMIC DEVELOPMENT OF RURAL WOMEN THROUGH SELF HELF GROUPS Dr. SP. Mathiraj Dr. AR. Annadurai Abstract Micro Finance Institutions (MFIs) in India are perceived as a life-giving

More information

Micro Finance and Poverty Alleviation: An Analysis with SHGS Contribution

Micro Finance and Poverty Alleviation: An Analysis with SHGS Contribution Micro Finance and Poverty Alleviation: An Analysis with SHGS Contribution P.BALAMURUGAN Research Staff, ICSSR Sponsored Major Research Project, Gobi Arts & Science College, Gobichettipalayam Tamil Nadu

More information

EVALUATION OF THE PROGRESS OF MICROFINANCE THROUGH SELF HELP GROUP BANK LINKAGE MODEL

EVALUATION OF THE PROGRESS OF MICROFINANCE THROUGH SELF HELP GROUP BANK LINKAGE MODEL EVALUATION OF THE PROGRESS OF MICROFINANCE THROUGH SELF HELP GROUP BANK LINKAGE MODEL. Dr. Dev Raj Jat Assistant Professor Post Graduate Government College Sector 11, Chandigarh Abstract Self-Help Group

More information

International Journal of Advancements in Research & Technology, Volume 3, Issue 1, January ISSN

International Journal of Advancements in Research & Technology, Volume 3, Issue 1, January ISSN International Journal of Advancements in Research & Technology, Volume 3, Issue, January-24 95 BANK PERFORMANCE TO HELP THE DEVELOPMENT OF SELF HELP GROUPS (SHGs) Dr. G.Kotreshwar M.Com., Ph.D., Guide,

More information

PRIORITY SECTOR LENDINGS BY COMMERCIAL BANKS IN INDIA

PRIORITY SECTOR LENDINGS BY COMMERCIAL BANKS IN INDIA 147 PRIORITY SECTOR LENDINGS BY COMMERCIAL BANKS IN INDIA ABSTRACT DR. SANDEEP KAUR* *Department of Economics, Punjabi University Patiala. After independence it was felt that in order to achieve overall

More information

Management of Non-Performing Assets in Thoothukudi Pandyan Grama Bank in Thoothukudi District

Management of Non-Performing Assets in Thoothukudi Pandyan Grama Bank in Thoothukudi District International Journal Scientific and Research Publications, Volume 5, Issue 6, June 2015 1 Management Non-Performing Assets in Thoothukudi Pandyan Grama Bank in Thoothukudi District Dr. D.Rathi Assistant

More information

International Journal of Business and Administration Research Review, Vol. 3, Issue.12, Oct - Dec, Page 59

International Journal of Business and Administration Research Review, Vol. 3, Issue.12, Oct - Dec, Page 59 PERFORMANCE EVALUATION, COMPARATIVE ANALYSIS AND FACTORS INFLUENCING THE EFFICIENCY OF DISTRICT CENTRAL CO-OPERATIVE BANKS A STUDY WITH REFERENCE TO SOUTHERN STATES OF INDIA Mr.F.Franco authers * Dr.R.Karpagavalli**

More information

Legislative Brief The Micro Finance Institutions (Development and Regulation) Bill, 2012

Legislative Brief The Micro Finance Institutions (Development and Regulation) Bill, 2012 Legislative Brief The Micro Finance Institutions (Development and Regulation) Bill, 2012 The Bill was introduced in the Lok Sabha by the Minister of Finance on May 22, 2012. The Bill was referred to the

More information

Banking Awareness of The Residents in The Present Financial Inclusion ERA in Nagapattinam District, Tamil Nadu

Banking Awareness of The Residents in The Present Financial Inclusion ERA in Nagapattinam District, Tamil Nadu Banking Awareness of The Residents in The Present Financial Inclusion ERA in Nagapattinam District, Tamil Nadu Dr. S. Rajaswaminathan Guest Faculty, Department of Commerce School of Management, Pondicherry

More information

Women empowerment and micro finance : Case study from Kerala

Women empowerment and micro finance : Case study from Kerala MPRA Munich Personal RePEc Archive Women empowerment and micro finance : Case study from Kerala M B DHANYA and P SIVAKUMAR University Of Kerala 23. September 2010 Online at http://mpra.ub.uni-muenchen.de/25337/

More information

Chapter IX SWOT ANALYSIS OF THE SAMPLE RESPONDENTS

Chapter IX SWOT ANALYSIS OF THE SAMPLE RESPONDENTS Chapter IX SWOT ANALYSIS OF THE SAMPLE RESPONDENTS An attempt is made in the present study to examine the strengths, weaknesses, threats and opportunities of sample SHGs so as to analyze the prospects

More information

Microfinance Contribution towards the Savings & Borrowings of the Poor in India

Microfinance Contribution towards the Savings & Borrowings of the Poor in India 29 Microfinance Contribution towards the Savings & Borrowings of the Poor in India Smrita Jain 1, Dr. Deepti Gupta 2 1 Assistant Professor, Department of Management, MIT, Moradabad 2 Director, SSIM, Moradabad

More information

Socio-Economic Impact of Microfinance: A Study of Neighbhourhood Groups (NHGs) in Nilambur Block of Malappuram District, Kerala

Socio-Economic Impact of Microfinance: A Study of Neighbhourhood Groups (NHGs) in Nilambur Block of Malappuram District, Kerala RESEARCH NOTES Ind. Jn. of Agri. Econ. Vol. 64, No. 2, AprilJune 2009 SocioEconomic Impact of Microfinance: A Study of Neighbhourhood Groups (NHGs) in Nilambur Block of Malappuram District, Kerala E.M.

More information

Journal of Global Economics

Journal of Global Economics $ Journal of Global Economics Research Article Journal of Global Economics Selvaraj, J Glob Econ 2016, 4:4 DOI: OMICS Open International Access Impact of Micro-Credit on Economic Empowerment of Women in

More information

IMPACT OF MICROFINANCE AND WOMEN EMPOWERMENT - AN ANALYSIS WITH REFERENCE TO BENGALURU RURAL DISTRICT. Dr. Kalaivani K. N., Assistant Professor

IMPACT OF MICROFINANCE AND WOMEN EMPOWERMENT - AN ANALYSIS WITH REFERENCE TO BENGALURU RURAL DISTRICT. Dr. Kalaivani K. N., Assistant Professor IMPACT OF MICROFINANCE AND WOMEN EMPOWERMENT - AN ANALYSIS WITH REFERENCE TO BENGALURU RURAL DISTRICT Prof. F. Arockia Doss, Research Scholar, Bharathiar University, Coimbatore, Tamil Nadu, India Dr. Kalaivani

More information

LIST OF TABLES Census wise Sex Ratio in India 100

LIST OF TABLES Census wise Sex Ratio in India 100 LIST OF TABLES 1. 1.1 Progress of Microfinance as on 31 st March 2009. 05 2. 2.1 3. 2.2 Share of rural household debt by source of credit, All India, 1951-1991 Advances to Agriculture and Other Priority

More information

INTRODUCTION TO SELF-HELP GROUPS

INTRODUCTION TO SELF-HELP GROUPS CHAPTER - I INTRODUCTION TO SELF-HELP GROUPS Self-Help Group (SHG) is homogeneous affinity groups with common objective of enhancing their economic conditions. Theorists view SHG as the homogeneous group

More information

Performance of Self-help Groups in Micro Finance

Performance of Self-help Groups in Micro Finance Economic Affairs, Vol. 6, No. 4, pp. 609-6, December 06 DOI: 0.5958/0976-4666.06.00075.9 06 New Delhi Publishers. All rights reserved Performance of Self-help Groups in Micro Finance Vanita Khobarkar,

More information

SOCIAL SECURITY IN INDIA: STATUS, ISSUES AND WAYS FORWARD

SOCIAL SECURITY IN INDIA: STATUS, ISSUES AND WAYS FORWARD SOCIAL SECURITY IN INDIA: STATUS, ISSUES AND WAYS FORWARD D Rajasekhar Centre for Decentralisation and Development, ISEC, Bangalore Presentation to the International Conference on Social Security Systems

More information

RESEARCH NOTE: EMPOWERMENT OF WOMEN THROUGH MICRO CREDIT PROGRAMME

RESEARCH NOTE: EMPOWERMENT OF WOMEN THROUGH MICRO CREDIT PROGRAMME Discussion mysociety VI (1-2), 2011, 99-109 University of Mysore http://mysociety.uni-mysore.ac.in RESEARCH NOTE: EMPOWERMENT OF WOMEN THROUGH MICRO Shashikala and Uma H R CREDIT PROGRAMME Abstract Micro-credit

More information

BANKING WITH THE POOR

BANKING WITH THE POOR BANKING WITH THE POOR - Self Help Group Approach in India. by Ashok Kumar Valaboju M.Sc (Agric.), MBA, CAIIB Senior Branch Manager, Andhra Bank, Gurazala branch, Guntur Dist AP- India India has been fast

More information

Financial Inclusion Through Self Help Groups for Rural Livelihoods An Analysis

Financial Inclusion Through Self Help Groups for Rural Livelihoods An Analysis Financial Inclusion Through Self Help Groups for Rural Livelihoods An Analysis K.Somasekhar Department of Rural Development, Acharya Nagarjuna University, Guntur - 522 510, Andhra Pradesh, India ABSTRACT

More information

Impact of SHG-enabling model of microfinance towards poverty reduction Introduction

Impact of SHG-enabling model of microfinance towards poverty reduction Introduction Impact of SHG-enabling model of microfinance towards poverty reduction Introduction Annex 4f Poverty has many dimensions and stems from several factors economic, social and cultural. Although lack of opportunities

More information

EOCNOMICS- MONEY AND CREDIT

EOCNOMICS- MONEY AND CREDIT EOCNOMICS- MONEY AND CREDIT Banks circulate the money deposited by customers in the banks by lending it out to businesses at a rate of interest as a credit, which then acts as the income of the bank....

More information

FUNCTIONAL PROGRESS OF REGIONAL RURAL BANKS IN PRIORITY SECTOR LENDING: A CASE STUDY OF PUNJAB STATE

FUNCTIONAL PROGRESS OF REGIONAL RURAL BANKS IN PRIORITY SECTOR LENDING: A CASE STUDY OF PUNJAB STATE I.J.E.M.S., VOL.6 (4) 2015: 197-210 ISSN 2229-600X FUNCTIONAL PROGRESS OF REGIONAL RURAL BANKS IN PRIORITY SECTOR LENDING: A CASE STUDY OF PUNJAB STATE Kaushal Meetu Vivek High School Chandigarh, Union

More information

A STUDY ON THRIFT AND LENDING PERFORMANCE OF WOMEN SELF HELP GROUPS IN ATHOOR BLOCK, DINDIGUL

A STUDY ON THRIFT AND LENDING PERFORMANCE OF WOMEN SELF HELP GROUPS IN ATHOOR BLOCK, DINDIGUL International Journal of Management, IT & Engineering Vol. 7 Issue 6, June 2017, ISSN: 2249-0558 Impact Factor: 7.119 Journal Homepage: Double-Blind Peer Reviewed Refereed Open Access International Journal

More information

Chapter 7 Findings, Conclusions and Suggestions

Chapter 7 Findings, Conclusions and Suggestions Chapter 7 Findings, Conclusions and Suggestions This chapter explains the findings and conclusions of the research study. This chapter also includes the suggestions made by the researcher on the basis

More information

A Role of Joint Liability Group (JLG) in Rural Area: A Case Study of Southern Region of India

A Role of Joint Liability Group (JLG) in Rural Area: A Case Study of Southern Region of India Euro-Asian Journal of Economics and Finance ISSN: 2310-0184(print) ISSN: 2310-4929 (online) Volume: 2, Issue: 1(January 2014), Pages: 13-20 Academy of Business & Scientific Research http://www.absronline.org/journals

More information

IJBARR E- ISSN X ISSN AN EVALUATION OF SHG S MODEL OF MICROFINANCE IN UTTAR PRADESH

IJBARR E- ISSN X ISSN AN EVALUATION OF SHG S MODEL OF MICROFINANCE IN UTTAR PRADESH AN EVALUATION OF S MODEL OF MICROFINANCE IN UTTAR PRADESH Dr.Pushpendra Misra Associate Professor,Dept. of Commerce, Dr.Shakuntala Misra National Rehabilitation University, Lucknow. Anshu Gupta Research

More information

Credit for Water and Sanitation Improvements: a Case Study of Women s Self-Help Groups in Tamil Nadu, India

Credit for Water and Sanitation Improvements: a Case Study of Women s Self-Help Groups in Tamil Nadu, India Credit for Water and Sanitation Improvements: a Case Study of Women s Self-Help Groups in Tamil Nadu, India Executive summary In 2003, WaterPartners initiated a program which utilized micro-finance to

More information

An economic analysis of indebtedness of marginal and small farmers in Punjab

An economic analysis of indebtedness of marginal and small farmers in Punjab Internationl Research Journal of Agricultural Economics and Statistics Volume 3 Issue 2 September, 2012 235-239 Research Paper An economic analysis of indebtedness of marginal and small farmers in Punjab

More information

MAHATMA GANDHI NATIONAL RURAL EMPLOYMENT GUARANTEE ACT (MGNREGA): A TOOL FOR EMPLOYMENT GENERATION

MAHATMA GANDHI NATIONAL RURAL EMPLOYMENT GUARANTEE ACT (MGNREGA): A TOOL FOR EMPLOYMENT GENERATION DOI: 10.3126/ijssm.v3i4.15974 Research Article MAHATMA GANDHI NATIONAL RURAL EMPLOYMENT GUARANTEE ACT (MGNREGA): A TOOL FOR EMPLOYMENT GENERATION Lamaan Sami* and Anas Khan Department of Commerce, Aligarh

More information

Microfinance Demonstration of at the bottom of pyramid theory Dipti Kamble

Microfinance Demonstration of at the bottom of pyramid theory Dipti Kamble Microfinance Demonstration of at the bottom of pyramid theory Dipti Kamble MBA - I, Finance What is Microfinance? Microfinance is the supply of loans, savings, and other basic financial services to the

More information

Role of Financial Institutions in Promoting Microfinance through SHG Bank Linkage Programme in India

Role of Financial Institutions in Promoting Microfinance through SHG Bank Linkage Programme in India Volume 10 Issue 4, October 2017 Role of Financial Institutions in Promoting Microfinance through Bank Linkage Programme in India Dr. Manpreet Arora Assistant Professor Department of Accounting and Finance

More information

Dr. A.S.Shiralashetti Assistant Professor, Dept. of Commerce, Karnatak University, Dharwad-03.

Dr. A.S.Shiralashetti Assistant Professor, Dept. of Commerce, Karnatak University, Dharwad-03. AWARENESS LEVEL TOWARDS GOVERNMENT SCHEMES - A STUDY OF WOMEN ENTREPRENEURS OF NORTH KARNATAKA DISTRICTS. (PART OF UGC SUPPORTED MAJOR RESEARCH PROJECT) Dr. A.S.Shiralashetti Assistant Professor, Dept.

More information

International Journal of Business and Administration Research Review, Vol. 1 Issue.11, July - Sep, Page 42

International Journal of Business and Administration Research Review, Vol. 1 Issue.11, July - Sep, Page 42 MICRO FINANCE IN INDIA: CHALLENGES Meenakshi,* Shweta Bathla** *Department of commerce, Arya P.G. College, Panipat, Haryana, India. **Department of commerce, Arya P.G. College, Panipat, Haryana, India.

More information

Measuring Outreach of Microfinance in India Towards A Comprehensive Index

Measuring Outreach of Microfinance in India Towards A Comprehensive Index From the SelectedWorks of Dr. Arindam Laha January, 2012 Measuring Outreach of Microfinance in India Towards A Comprehensive Index Dr. Arindam Laha Prof. Pravat Kumar Kuri Available at: https://works.bepress.com/arindam_laha/8/

More information

A Case Study on Women Empowerment and Financial Literacy through SHGs

A Case Study on Women Empowerment and Financial Literacy through SHGs Available online at : http://euroasiapub.org, pp~295~301, Thomson Reuters ID: L-5236-2015 A Case Study on Women Empowerment and Financial Literacy through SHGs Dr. Pradipta Banerjee 1, Assistant Professor,

More information

MICRO FINANCE: A TOOL FOR SELF EMPLOYMENT WITH SPECIAL REFERENCE TO RURAL POOR

MICRO FINANCE: A TOOL FOR SELF EMPLOYMENT WITH SPECIAL REFERENCE TO RURAL POOR MICRO FINANCE: A TOOL FOR SELF EMPLOYMENT WITH SPECIAL REFERENCE Dr. Babaraju K. Bhatt* Ronak A. Mehta** TO RURAL POOR Abstract: Indian population comprises roughly one sixth of the world s population.

More information

A Platform for Social Change

A Platform for Social Change Microfinance A Platform for Social Change Heena Gianchandani B.A.(Hons), M.S.W, (Delhi School of Social Work) (Gold Medalist), Delhi University o BOOKWELL Delhi Contents Preface. D" Acknowledgement xxi

More information

An attempt was made to study the socio-economic

An attempt was made to study the socio-economic Inno Space (SJIF) Impact Factor : 4.618(Morocco) e-issn : 2347-9671, p- ISSN : 2349-0187 Vol - 3, Issue- 6, June 2015 ISI Impact Factor : 1.259 (Dubai, UAE) A SOCIO-ECONOMIC UNDERSTANDING OF MEMBERS OF

More information

A Study On Micro Finance And Women Empowerment In Thanjavur District

A Study On Micro Finance And Women Empowerment In Thanjavur District Original Paper Volume 2 Issue 8 April 2015 International Journal of Informative & Futuristic Research ISSN (Online): 2347-1697 A Study On Micro Finance And Women Paper ID IJIFR/ V2/ E8/ 020 Page No. 2636-2643

More information

Commissioner General Of Samurdhi Ministry of Economic Development Si Sri Lanka

Commissioner General Of Samurdhi Ministry of Economic Development Si Sri Lanka Chandra Wickramasinghe Commissioner General Of Samurdhi Ministry of Economic Development Si Sri Lanka Country Profile The Democratic Socialist Republic of Sri Lanka A Picturesque Tropical Island in South

More information

SATISFACTION OF WORKING WOMEN POLICYHOLDERS ON THE SERVICES OF LIC

SATISFACTION OF WORKING WOMEN POLICYHOLDERS ON THE SERVICES OF LIC SATISFACTION OF WORKING WOMEN POLICYHOLDERS ON THE SERVICES OF LIC Dr. M.Akilanayaki* and Dr.R.Gopi** *Assistant Professor of Commerce, NGM College, Pollachi, Tamil Nadu, India. **Assistant Professor of

More information

A.ANITHA Assistant Professor in BBA, Sree Saraswathi Thyagaraja College, Pollachi

A.ANITHA Assistant Professor in BBA, Sree Saraswathi Thyagaraja College, Pollachi THE ROLE OF PARALLEL MICRO FINANCE INSTITUTIONS IN POVERTY ALLEVIATION IN RURAL TAMILNADU A STUDY WITH SPECIAL REFERENCE TO UDUMALPET TALUK, TIRUPUR DISTRICT A.ANITHA Assistant Professor in BBA, Sree Saraswathi

More information

Management of Non-Performing Assets in Virudhunagar District Central Co-Operative Bank-An Overview

Management of Non-Performing Assets in Virudhunagar District Central Co-Operative Bank-An Overview Middle-East Journal of Scientific Research 20 (7): 851-855, 2014 ISSN 1990-9233 IDOSI Publications, 2014 DOI: 10.5829/idosi.mejsr.2014.20.07.114016 Management of Non-Performing Assets in Virudhunagar District

More information

SIGNIFICANCE OF KUDUMBASREE MISSON KERALA AS A MICRO FINANCE PROGRAMME

SIGNIFICANCE OF KUDUMBASREE MISSON KERALA AS A MICRO FINANCE PROGRAMME Continuous Issue-30 June July 2017 Abstract SIGNIFICANCE OF KUDUMBASREE MISSON KERALA AS A MICRO FINANCE PROGRAMME The micro finance programme was first initiated in Bangladesh in 1976 with the promise

More information

Work Profile of Women Workers Engaged in Unorganized Sector of Punjab

Work Profile of Women Workers Engaged in Unorganized Sector of Punjab Kamla-Raj 2013 Stud Home Com Sci, 7(2): 119-124 (2013) Work Profile of Women Workers Engaged in Unorganized Sector of Punjab Paramdeep Kaur 1 and Kanwaljit Kaur 2 Department of Home Science Extension and

More information

APMAS. Reaching the vulnerable with micro financial services. Presentation by CS Reddy

APMAS. Reaching the vulnerable with micro financial services. Presentation by CS Reddy APMAS Self-help groups in India: Reaching the vulnerable with micro financial services Presentation by CS Reddy creddy@apmas.org European Microfinance Week Luxembourg, 13 th November 2008 About APMAS Vision:

More information

IMPACT OF INFORMAL MICROFINANCE ON RURAL ENTERPRISES

IMPACT OF INFORMAL MICROFINANCE ON RURAL ENTERPRISES IMPACT OF INFORMAL MICROFINANCE ON RURAL ENTERPRISES Onafowokan Oluyombo Department of Financial Studies, Redeemer s University, Mowe, Nigeria Ogun State E-mail: ooluyombo@yahoo.com Abstract The paper

More information

Indian Regional Rural Banks Growth and Performance

Indian Regional Rural Banks Growth and Performance Indian Regional Rural Banks Growth and Performance Syed Mahammad Ghouse ghouse.marium@gmail.com Narayana Reddy tnreddy.jntua@gmail JNTU College of Engineering Regional rural Banks play a vital role for

More information

Role of Micro Finance in Poverty Reduction

Role of Micro Finance in Poverty Reduction Role of Micro Finance in Poverty Reduction Preeti Sharma M.com student B.P.S.M University Khanpur kalan (Sonipat) Haryana, India Abstract: Micro finance has proven to be an effective tool for poverty reduction.

More information

Asia Pacific Journal of Research Vol: I Issue XIII, May 2014 ISSN: , E-ISSN

Asia Pacific Journal of Research Vol: I Issue XIII, May 2014 ISSN: , E-ISSN MICRO FINANCIAL PROBLEMS OF SELF HELP GROUPS IN NAMAKKAL DISTRICT, *Sasikumar. P TAMILNADU ** Dr. Natarajan. G * PH.D Research Scholar, Department of Business Administration, Annamalai University **Assistant

More information