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ID: 142511

How effective is a self-help group led microfinance programme in empowering women? evidence from rural India / Sahu, Gagan Bihari

Sahu, Gagan Bihari	Article
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Summary/Abstract

Drawing upon recent data, this paper explores the relationship between women’s involvement in Self-Help Group (SHG) based microfinance programmes and their empowerment. The composite empowerment indicator shows that only 13.2% of women associated with microfinance are empowered. The paper finds that though the length of membership in SHGs increases the intensity of women’s economic and political empowerment, it does not show a significant relationship with their social empowerment. It is also observed that ‘economic empowerment’ does not necessarily lead to the attainment of social and/or political empowerment. The paper argues that although SHG-led microfinance programmes have the potential to empower women in some aspects, their capacity in ushering social transformation is limited.

Key Words

Microfinance ; Women Empowerment ; SHG ; SHG Member ; Non-SHG Member

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ID: 116057

Impact of NABARD's Self Help Group-Bank Linkage Programme on po / Sinha, Anushree; Parida, Purna Chandra; Baurah, Palash

Sinha, Anushree	Journal Article
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2012.

Summary/Abstract

Exiting impact analysis studies on the Self Help Group-Bank Linkage Programme (SBLP) of the National Bank of Agriculture and Rural Development (NABARD) underline that the programme has done extremely well in rural India in terms of its outreach, generating income, reducing poverty levels and empowering people both economically and socially. This paper evaluates the impact of SBLP on Self Help Group (SHG) members at the household level from a gender perspective. The analysis of the study is based on a large sample of primary data covering 4791 SHG households and 900 SHGs collected from six states in India. Furthermore, the sample covers more than 60% of SHGs that consist of members belonging to below poverty line families. Overall, the performance analysis reveals that households whose member(s) belong to all-female SHGs perform better than households whose members belong to other types of SHGs. This is mainly because female SHGs are doing extremely well in terms of recovery of loans and per capita income and savings. A chunk of female SHG members in all the six sample states reported an improvement of their social empowerment after joining the SHG programme. Furthermore, the fall of poverty is more pronounced in cases of households whose members belong to female SHGs at 26.0 percentage points between pre-SHG period and post-SHG period. The policy implication is that the formation of female SHGs needs to be encouraged and all necessary services should be provided to them.

Key Words

Poverty ; India ; Empowerment ; SHG ; Bank Linkage Programme

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ID: 103569

Rural poverty, SHGs and micro credit / Blah, Toki

Blah, Toki	Journal Article
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Publication

2011.

Key Words

Poverty ; Rural Poverty ; India ; SHG

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ID: 131246

Spread of the self-help group–bank linkage programme in India: potential vis-à-vis achievements / Tripathi, Ashutosh Kumar

Tripathi, Ashutosh Kumar	Journal Article
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Publication

2014.

Summary/Abstract

The Self-Help Group-Bank Linkage Programme (SHG-BLP) was designed with the objective of bridging the prevailing gap in the financial network and spreading banking facilities to the poor in rural and urban areas. This paper examines the progress of SHG-BLP over the last two decades in terms of: (a) the outreach of SHG-BLP; (b) spatial disparity in SHG-BLP; (c) SHG spread with respect to banking and socio-economic indicators; and (d) potential vis-à-vis achievement under the programme in terms of coverage of rural poor population.

Key Words

Credit ; Microfinance ; SHG ; Commercial Banks ; Deposit ; Financial Inclusion

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