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 Sectors by Public Sector Banks 4. 2.3 Summary comparison of AIDIS-1991 and RFAS-2003 48 5. 2.4 Costs of Formal Borrowing from various agencies 51 6. 2.5 Incidence & Size of Informal Borrowing by Household category 7. 2.6 Category-wise break up of mfis 63 8. 2.7 Legal Forms of mfis in India 64 9. 2.8 Features of Microfinance Approaches 70 10. 3.1 Components Of Empowerment 89 11. 3.2 Census wise Sex Ratio in India 100 12. 3.3 13. 3.4 Census-Wise Literacy Rates Among Men And Women In India Gender-Wise Rural-Urban Literacy Rates in India (1951-2001) 14. 3.5 Gender based Work Participation Rates in India (1981-2001) 105 15. 3.6 Population by Work Status (Census 2001) 106 16. 3.7 Different Perspectives to Women Development 109 17. 3.8 India s Global position on Human & Gender Development 132 18. 3.9 HDI & GDI of India (Years 1996 & 2006) 133 19. 3.10 GEM scores for India (1996 & 2006 ) 134 20. 3.11 21. 3.12 22. 3.13 23. 3.14 State Wise Comparative Figures for Life Expectancy, Poverty and Literacy Rate HDI, GDI & GEM Scores for Maharashtra (Years 1996 & 2006) District wise Human Development Index of Marathwada region (Year-2000) Female Literacy Percentage in Marathwada Region ( Years 1991 & 2001) 24. 3.15 Female Employment Rate (per cent) for Year-2000 144 37 45 52 102 104 136 137 140 141
25. 3.16 District wise percentage of Girls married below 18 years of age in Marathwada region 26. 4.1 Basic Features Of SHGs Promoted By NGOs/Banks 158 27. 4.2 Stages of SHG development & role of NGOs/SHPI 163 28. 4.3 Advantages and limitations of SHG-Bank Linkage Models 177 29. 4.4 Cumulative Progress of SHG-Bank Linkage Programme in India (Year 1992-2006) 30. 4.5 Pattern of Regional spread of SBLP in India 189 31. 4.6 Cumulative Growth in SBLP in 13 priority states 191 32. 4.7 33. 4.8 34. 4.9 Regional physical and Financial spread of SHGs in India as on 31 st march 2006 Model wise cumulative SHG-Bank linkage in India (Period 2004-06) Model wise cumulative position of SBLP in Western region (as on 31.03.06) 35. 4.10 Growth of SBLP in Maharashtra 197 36. 4.11 37. 4.12 38. 4.13 SHG-Bank Linkage-District wise cumulative Physical Progress in Marathwada upto 31 st March, 2006 SHG-Bank Linkage-District wise cumulative Financial Progress in Marathwada upto 31 st March 2006 Physical & Financial Progress of SHG-Bank Linkage in India (2006-2009) 39. 4.14 Status of Bank Loan Disbursed to SHGs in India (2006-09) 204 40. 4.15 41. 4.16 42. 4.17 43. 4.18 Physical & Financial Progress of MFI-Bank Linkage Model in India (Period 2006-07 Region wise growth of SHGs savings linked with banks (Year 2007-08 & 2008-09) Region wise growth of SHGs credit linked with banks (Year 2007-08 & 2008-09) State wise growth of SHGs savings linked with banks in India (March-2009) 44. 4.19 Agency Wise Savings Of SHGs in India (Year 2006-09) 211 45. 4.20 Agency Wise Loans Disbursed To SHGs in India (Year 2006-09) 46. 4.21 Status of women SHGs in India (2007-2009) 219 47. 4.22 Growth of SHGs in Maharashtra (Year 2008-09) 220 48. 4.23 District wise growth of credit linked SHGs (other than SGSY) in Marathwada (Period 2006-09) 145 187 192 194 196 199 201 202 205 206 208 210 216 222
49. 4.24 Progress of SJSRY in Marathwada Region (upto Mar- 2010) 225 50. 5.1 District wise Rural-Urban distribution of respondents 244 51. 5.2 Distribution of on the basis of Area and Period of Membership 52. 5.3 Area based age wise classification of respondents 246 53. 5.4 Area*Religion Wise Classification of 248 54. 5.5 Caste Wise Classification of Urban & Rural 249 55. 5.6 Education Wise Classification of U/R 251 56. 5.7 57. 5.8 58. 5.9 59. 5.10 60. 5.11 Marital Status Wise Classification of Urban & Rural Number of Children Based Classification of Urban & Rural Classification of Urban & Rural on basis of family type Classification of Urban & Rural on basis of number of family members Occupation Wise Distribution of Urban & Rural 61. 5.12 Analysis based on reasons for formation of SHGs 262 62. 5.13 Structure of SHGs 263 63. 5.14 SHG-Functioning 265 64. 5.15 Loaning Pattern & Behaviour Of SHGs 267 65. 5.16 Analysis Based On Entrepreneurial Orientation 269 66. 5.17 Analysis Based On Benefit From SHGs 271 67. 5.18 68. 5.19 69. 5.20 70. 5.21 71. 5.22 72. 5.23 Classification Based on the Source of Information about SHG Distribution of Based on Their Motives to Join Self Help Group Respondent Profile Based on Amount of Monthly Group Savings Distribution of Based on Source of Income for Monthly Group Savings Change in pattern of Monthly Savings of Urban & Rural Classification of Based on Frequency of Internal Loaning 73. 5.24 Purpose of demanding credit 285 245 253 254 256 257 259 273 275 277 279 280 283
74. 5.25 Distribution Of Based On Amount Of Loan Taken 75. 5.26 Repayment Status Wise Classification Of 289 76. 5.27 Respondent Profile Based On Bank Loan 289 77. 5.28 78. 5.29 79. 5.30 Respondent Profile based on regularity of Bank Loan Repayment Distribution of based on decision making about usage of loan Respondent Opinion About Change In Personal Financial Position After Joining SHG 80. 5.31 Knowledge Among About SHG-Functioning 295 81. 5.32 Respondent classification based on their Voting Behaviour 298 82. 5.33 Regularity in Group Meeting Attendance 299 83. 5.34 Distribution of respondents based on Training Programmes attended 84. 5.35 Opinion about addition to professional or technical skills 301 85. 5.36 Satisfaction About SHG-Leader 303 86. 5.37 Desire to leave SHG 304 87. 5.38 Opinion About Benefit From Joining SHG 306 88. 5.39 Data summary for General Awareness 310 89. 5.40 90. 5.41 91. 5.42 Percentage variation (increment) in general awareness of urban and rural respondents Calculation of Average General Awareness index for urban respondents Calculation of Average General Awareness index for rural respondents 92. 5.43 Comparative analysis of Average General Awareness Index 315 93. 5.44 Data summary for overall change in Mobility 317 94. 5.45 Percentage variation in mobility of urban and rural respondents 95. 5.46 Calculation of Average Mobility index for urban respondents 322 96. 5.47 Calculation of Average Mobility index for rural respondents 322 97. 5.48 Comparative analysis of Average Mobility Index 322 98. 5.49 Data summary for overall change in household decision making 287 291 292 294 301 314 315 315 320 324
99. 5.50 100. 5.51 101. 5.52 Change in house hold decision making of urban and rural respondents for small purchases Change in house hold decision making of urban and rural respondents for large purchases Change in house hold decision making of urban and rural respondents for children education 102. 5.53 Calculation of Average HDMI for urban respondents 331 103. 5.54 Calculation of Average HDMI for rural respondents 332 104. 5.55 Comparative Analysis of Average HDMI 332 105. 5.56 Data summary for overall change in Asset-Resource Holding 334 106. 5.57 Analysis based on possession of bank account 338 107. 5.58 Analysis based on possession of Insurance 339 108. 5.59 Analysis based on possession of Jewellery 340 109. 5.60 Analysis based on change in possession of Mobile 341 110. 5.61 Analysis based on possession of Land 341 111. 5.62 Calculation of Average RAHI for urban respondents 343 112. 5.63 Calculation of Average RAHI for rural respondents 343 113. 5.64 Comparative Analysis of Average RAHI 343 114. 5.65 Scores assigned to empowerment indicators 346 115. 5.66 116. 5.67 Distribution of respondents according to Levels of Women Empowerment in Pre-SHG phase Distribution of respondents according to Levels of Women Empowerment in Post-SHG phase 117. 5.68 Age of SHG * General Awareness of 350 118. 5.69 Age of SHG * Mobility Indicators 354 119. 5.70 Age of SHG* Household Decision Making 357 120. 5.71 Age of SHG * Resource-Asset Holding 361 121. 5.72 Age of SHG *Knowledge of SHG transactions 366 122. 5.73 Age of SHG*Participation in training programme 367 123. 5.74 Age of SHG * Frequency of internal loaning 369 124. 5.75 Age of SHG * Decision about usage of loan 370 125. 5.76 Respondent Education* General Awareness 373 327 328 329 347 348
126. 5.77 Respondent Education * Mobility 377 127. 5.78 Respondent education * Household Decision Making 381 128. 5.79 Respondent education * Resource-Asset Holding 385 129. 5.80 Family Type* General Awareness 391 130. 5.81 Family Type* Mobility of respondents 394 131. 5.82 Family Type * Household decision making 397 132. 5.83 Family type * Resource-Asset Holding 401 133. 5.84 134. 5.85 135. 5.86 136. 5.87 137. 5.88 138. 5.89 139. 5.90 140. 5.91 141. 5.92 142. 5.93 143. 5.94 144. 5.95 145. 5.96 146. 5.97 147. 5.98 148. 5.99 X 2 Analysis for Area of SHG (Urban/Rural)*Women X 2 Analysis for Area of SHG (Urban/Rural)*Empowerment indicators Distribution of respondents on the basis of period of association and empowerment level X 2 Analysis for Period of association with SHG*Women X 2 Analysis for Period of association with SHG* Empowerment indicators Distribution of respondents based on age and empowerment level X 2 Analysis for Age of respondent*women Empowerment level Distribution of respondents on the basis of age of Respondent and Empowerment Indicators X 2 Analysis for Age of respondent* Empowerment indicators Distribution of respondents based on education and empowerment levels X 2 Analysis for Education of respondent*women X 2 Analysis for Education of respondent*empowerment indicator Distribution of respondents based on family type and empowerment level X 2 Analysis for Family type of respondent*women X 2 Analysis for Family type of respondent* Empowerment indicator Distribution of respondents based on age of SHG and participation in training programmes 407 408 411 411 412 414 414 415 416 419 419 420 422 422 423 425
149. 5.100 150. 5.101 151. 5.102 X 2 Analysis for Age of SHG*Participation in training programmes Distribution of respondents based on area of SHG and participation in training programmes X 2 Analysis for Area of SHG*Participation in training programmes 425 426 426