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| 1 |
ID:
116057
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| Publication |
2012.
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| 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.
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| 2 |
ID:
134742
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| Summary/Abstract |
India’s 12th Five-Year Plan (2012–13 to 2016–17) emphasises ‘faster, sustainable and more inclusive growth’. The GDP growth target for the Plan was initially fixed at 9 per cent and later revised to 8 per cent against the backdrop of significant contraction of domestic output during the first two years of the Plan period. The Plan document has set a target of achieving a 2 percentage point reduction in poverty per annum. However, the document has cautioned that achieving the revised growth target also needs special efforts and structural reforms in the economic, social and political systems. For the first time, the Planning Commission has proposed to work on ‘scenario planning’ for the 12th Plan. It has proposed three scenarios: ‘The Flotilla Advances’, ‘Muddling Along’ and ‘Falling Apart’. The main thrust of scenario analysis is to highlight the need for specific interventions in policy to achieve the goals of the Plan. Using the macroeconometric model developed by the National Council for Applied Economic Research (NCAER) in India, the study finds that GDP growth rate will decline significantly under the Falling Apart scenario compared with the other two scenarios. As a result, poverty reduction is expected to be marginal under this scenario. The Falling Apart scenario will also lead to an unsustainable fiscal and current account deficit situation over the medium term. The other important finding of the study is that investment in social infrastructure (education and health) and physical infrastructure would not only achieve higher economic growth but also sustain it in the long term and both infrastructures have a similar impact on growth.
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