Repayment Performance of Self-Help Groups in Uttar Pradesh: An Empirical Investigation

2021 ◽  
pp. 002190962110071
Author(s):  
Udai Bhan Singh ◽  
Tanushree Gupta
Keyword(s):  
Rural Areas ◽  
Household Income ◽  
Empirical Investigation ◽  
Field Survey ◽  
Peer Group ◽  
Uttar Pradesh ◽  
Primary Data ◽  
Self Help ◽  
Peer Group Pressure ◽  
Self Help Groups

This paper aims to study the determinants of repayment performance of self-help groups in India’s Uttar Pradesh state, which has one of the highest numbers of defaulting self-help groups. The study is based on primary data collected in 2017 through a field survey covering 300 members across 100 self-help groups from the rural areas of Sultanpur and Faizabad districts. The survey reveals an overall repayment rate of about 55% with better pay-back performance seen among members of old self-help groups. The results, computed with the help of the Tobit model, show that factors such as group maturity (age of the group), ratio of family workers to household size and household income are negatively associated with the incidence of delinquency while peer group pressure and social ties associate positively with delays and overdues.

Performance and problems of self help groups (SHGs) in Meerut district of Uttar Pradesh

2019 ◽  
Vol 4 (01) ◽  
pp. 76-80
Author(s):  
Pukhraj Singh ◽  
Nitin Kumar Nag ◽  
Lalit Kumar Verma ◽  
Dushyant Kumar
Keyword(s):  
Data Collection ◽  
Uttar Pradesh ◽  
Economic Benefits ◽  
Primary Data ◽  
Economic Activities ◽  
Financial Problem ◽  
Rural People ◽  
Mutual Help ◽  
Self Help ◽  
Self Help Groups

The present study was carried out in the rural area of Meerut district, with the objective to find out the study the performance of SHGs and problems faced by the SHGs in the study area. As a part of primary data collection, a sample (random) of 110 women respondents were selected out of 22 SHGs operating in the district. The data was collected during the period July 2018 - Dec 2018. A self-help is a small, economically and attractive group of 10-20 rural people which comes together to save small amounts regularly. It generally performs various types of economic activities with the help of their small savings. Self-help groups are informal association of women. The main purpose of such an association is to enable members to mobilization of savings and credit facilities gain economic benefits out of mutual help, solidarity and social responsibility. SHGs is the group based approach, which helps the women members of each SHGs to accumulate capital by way of small saving and helping them to get credit facilities from their funds. Presently, the women of the society are facing the financial problem to start business or to undertake different economic activities to become self-employed and self-reliant.

Determinants of Participation and Impact of Microfinance

2018 ◽  
pp. 156-184
Author(s):  
Sudhakar Patra
Keyword(s):  
Household Income ◽  
Field Survey ◽  
Efficiency Index ◽  
Activity Level ◽  
Primary Data ◽  
Economic Empowerment ◽  
Self Help ◽  
Functional Efficiency ◽  
High Level ◽  
Self Help Group

The objective of the chapter is to analyze the determinants of participation and impact of microfinance on income, empowerment, and efficiency. The study is based on primary data based on the field survey conducted in Baripada block and Betanati of Mayurbhanj District of Odisha, India. For this study, a total of 400 households were covered, out of which 300 are participants and 100 are non-participants. Four participants are selected from each self-help group. The Functional Efficiency Index, Economic Empowerment Index, activity level correlates of functional efficiency and economic empowerment have been calculated. The study found that 28% of the total groups have a low level of functional efficiency while 42% of the groups have attained moderate level of functional efficiency and 30% of the groups have managed to reach a high level of functional efficiency. The result suggests that land holding, education, and participation are positively related to household income. The poorest section of the society, those who need at most attention, are not participating significantly in the program.

Dynamic Incentives and Microfinance Borrowers

2017 ◽  
Vol 5 (1) ◽  
pp. 67-92 ◽  
Author(s):  
Vijeta Singh ◽  
Puja Padhi
Keyword(s):  
Uttar Pradesh ◽  
Primary Data ◽  
Microfinance Institutions ◽  
Joint Liability ◽  
Self Help ◽  
Loan Demand ◽  
Socio Economic Impact ◽  
Credit Contracts ◽  
Self Help Groups ◽  
Policy Mechanisms

In recent years microfinance has been recognised as one of the policy mechanisms to achieve the goal of financial inclusion. Different lending models have been appropriated in microfinance sector to provide micro-loans to microfinance borrowers and their likely socio-economic impact on microfinance borrowers varies across different lending models. In case of microfinance, credit contracts between lenders and borrowers are designed in such a manner that borrowers’ initial loans are smaller but increases with each loan cycle over a period of time, termed as progressive lending.2 The present study using primary data collected from Mirzapur district in Uttar Pradesh attempts to explore the determinants/variables that explain progressive loan demand by microfinance borrowers in self-help groups (SHGs) and joint liability groups (JLGs). Using logit model, the paper concludes that in both SHGs and JLGs, longer association with microfinance groups helps in availing progressive loans from SHGs/microfinance institutions (MFIs) followed by loans procured from other sources also compel microfinance borrowers to demand larger loans from MFIs primarily for paying loan instalments. In addition to this income, size of group, number of dependents in household and asset endowment characteristics of SHG/JLG members also affect progressive loan demand by SHG/JLG members.

scholarly journals Economic Analysis of Women Self Help Groups Generating Dairy Activity

2019 ◽  
pp. 1-8
Author(s):  
K. D. Chopde
Keyword(s):  
Technical Efficiency ◽  
Economic Efficiency ◽  
Rural Areas ◽  
Financial Services ◽  
Allocative Efficiency ◽  
Primary Data ◽  
Marginal Value ◽  
Self Help ◽  
Development Agenda ◽  
Self Help Groups

In India, the majority of the people live in a rural area and are engaged in agriculture, earning a subsistence wage. Women are a vital part of the Indian economy and employment to build their empowerment. Provision of loans and financial services to the poor is an important aspect of the development agenda of any economy. To ascertain the technical efficient self-help groups and identify the possible determinants of technical efficiency of dairy self-help groups. This study was undertaken in rural areas of Amravati division and for this study Selected those self-help groups which were engaged in agriculture-based activity dairy. To analyse the objectives of the study to ascertain the technical efficient self-help groups and identify the possible determinant of technical efficiency of dairy self-help groups, the primary data was collected with the help of Personal interview of self-help groups. The marginal value of productivity of assets determined to decrease the use of assets and scope to be increasing this variable. The variable asset executed negative significant contribution in determining the gross loan its indicates declining assets affects to the loan refund and hence its indicated limited the size of SHGs, in views of this it is necessary to increase the assets which will make the SHGs to increase their activities production which helps in increase gross returns to refund possible therefore assets is the possible determinant of gross loan portfolio. The average technical efficiency for the entire sample of dairy SHGs was 0.9771, allocative efficiency was 0.5843 and 0.5671 dairy SHGs economic efficiency. The variables such as Cost per borrower, Assets, Borrow per member, Net return and Subsidy contributes to the explanation of the variation in Economic Efficiency of the dairy SHGs.

Empowering SHGs Women through Micro-finance in Uttar Pradesh

2020 ◽  
Vol 62 (6) ◽  
pp. 591-606
Author(s):  
Shalini Aggarwal ◽  
Praveen Kumar ◽  
Vikas Garg
Keyword(s):  
Factor Analysis ◽  
Uttar Pradesh ◽  
Household Survey ◽  
The State ◽  
Primary Data ◽  
Development Projects ◽  
Women Empowerment ◽  
Content Type ◽  
Political Empowerment ◽  
Self Help Groups

Purpose This paper aims to explore the factors for self-help groups (SHGs) women empowerment in the state of Uttar Pradesh using the primary data. Design/methodology/approach The primary data have been collected by a household survey in the four districts of Uttar Pradesh. Factor analysis is used to estimate the odd of improving women empowerment after participating in SHG. Findings Factor analysis extracted four factors which were economic development, improvement in family matters, decision to use public amenities and political empowerment. Also, analysis of variance and t-test was used employing SPSS. The results, therefore, show that education has a significant impact on all the aspects of SHGs people. Practical implications The findings of the study can help policymakers to adopt appropriate policies that integrate empowerment in development projects with women. Social implications The results of this research could encourage more women to participate in SHG activities and development projects. Originality/value This research provides the most updated data from a primary survey in the state of Uttar Pradesh.

scholarly journals Small Credit for Big Opportunities: A Case of BRAC’s Agribusiness Program in Bangladesh

2015 ◽  
Vol 8 (1) ◽  
pp. 7
Author(s):  
Shaiara Husain ◽  
Kazi Tanvir Mahmud ◽  
Md. Taufiqul Islam ◽  
Md. Abdullah Shihab
Keyword(s):  
Rural Areas ◽  
Household Income ◽  
Operating Cost ◽  
Least Square ◽  
Primary Data ◽  
Key Factors ◽  
Ordinary Least Square ◽  
Prime Objective ◽  
The Impact ◽  
And Training

BRAC provides microcredit to the landless and marginal borrowers to accelerate agribusiness activities in the rural areas. The prime objective of the study was to evaluate the impact of microcredit program on household income of the female borrowers of BRAC. Survey was conducted in the Gazipur district of Bangladesh. Primary data were collected from 417 borrowers who were engaged in agribusiness. Ordinary Least Square (OLS) technique was used to assess the impact of credit on household income. The study shows that the amount of microcredit received by the borrowers made a significant contribution in enhancing their household income. Besides credit, value of agricultural assets, compulsory saving, number of agribusiness pursued by household and training appeared as the key factors in determining income. The study also shows that non-institutional loan and operating cost of agribusiness adversely influenced the household income.

scholarly journals Perceived Social Networks and Newborn Health: Evidence from Self-Help Group Communities in Northern India

Societies ◽  
2018 ◽  
Vol 8 (4) ◽  
pp. 92 ◽  
Author(s):  
Jenny Ruducha ◽  
Xinran Huang ◽  
James Potter ◽  
Divya Hariharan ◽  
Danish Ahmad ◽  
...  
Keyword(s):  
Social Capital ◽  
Health Workers ◽  
Uttar Pradesh ◽  
Newborn Health ◽  
Individual Level ◽  
Northern India ◽  
Self Help ◽  
Health Advice ◽  
Advice Networks ◽  
Self Help Groups

The limitations of individual level interventions in changing behaviors to improve global maternal, newborn and child health have generated more interest in the patterns of social influence and decision making embedded in families, friends and communities. The purpose of this study is to expand the understanding of village dynamics in India and how first degree social and advice networks and cognitive perceptions of 185 recently delivered women (RDW) in areas with and without women’s Self-Help Groups (SHGs) affect immediate breastfeeding. Data was collected in 6 blocks and 36 villages in Uttar Pradesh, India. The expansion of RDW’s social worlds and creation of social capital through the organization of Self-Help Groups in their villages allowed us to examine basic relationships and advice formation as well as perceptions of interconnectedness of known groups. RDW living in SHG villages and blocks had consistently higher numbers of relationship ties, health advice ties and higher density of health advice networks than RDW living in the non-SHG areas. RDW’s perceived knowing ties were also significantly higher between family and health workers in the SHG areas with related higher immediate breastfeeding rates. These results suggest that SHGs can accelerate community social capital and promote more accountability in the health system to engage with families and support the change from traditional to more evidence-based health practices.

scholarly journals Socio-Economic Analysis of Effectiveness of Implementation of an Employment Guarantee Scheme at Local Level: A Study of a Village in India

2020 ◽  
Vol 4 (2) ◽  
pp. 23-30
Author(s):  
Sanjeet Mahapatra ◽  
Anand Pandey ◽  
Badri Narayanan
Keyword(s):  
Rural Areas ◽  
Financial Services ◽  
Rural Population ◽  
Social Protection ◽  
Local Level ◽  
Uttar Pradesh ◽  
Primary Data ◽  
Wage Policy ◽  
Wage Payment ◽  
Scientific Papers

The main purpose of the study is to develop theoretical and practical principles for analyzing the economic efficiency of the program to guarantee employment in rural areas in India. This program of support and active promotion of employment of the rural population is the result of the adoption of the Law on Guarantees of Employment in Rural Areas. The relevance of the choice of this scientific problem is that most scientific papers focus on assessing the effectiveness of the implementation of this legal act at the macro level, while the article analyzes this issue at the level of a particular locality. The object of the study was the village of Sanatpur in Uttar Pradesh, India. The study conducted a survey of participants in the program to guarantee employment in this rural area, which served as a basis for primary data, as well as used official statistics on the implementation of this program in the country. Descriptive statistics methods were used to analyze the effectiveness of the program to guarantee employment in rural areas. The article analyzes the mechanism of implementation of the program to guarantee employment in rural areas, namely the peculiarities of job creation in rural areas, the formation of wage policy, as well as the payment of wages to local residents. The field study identified key difficulties in implementing the above program: insufficient awareness of villagers about the opportunities and benefits of participating in the approved employment support program, as well as low access to basic financial services and lack of almost 70% of the rural population individual bank accounts. The results of the study can be useful for local and national governments in the field of social protection and social security. Keywords: decentralized planning, wage payment, job guarantee.

scholarly journals Self Help Groups (SHGs) and Women’s Development: A Case Study of the Varanasi District

2015 ◽  
Vol 2 (4) ◽  
pp. 35 ◽  
Author(s):  
Tripti Kumari ◽  
Anand Prasad Mishra
Keyword(s):  
Uttar Pradesh ◽  
Women's Development ◽  
Indian Women ◽  
Self Help ◽  
Economically Deprived ◽  
Development Processes ◽  
The Government ◽  
Self Help Groups ◽  
The Impact

Development is a multi-dimensional process that affects society in multiple ways. It is well documented that women constitute about half of the world’s population but their share in the economy and other development spheres remain neglected. In addition, this large section of population (including Indian women) have been suffering from various disadvantages - lack of accessibility to resources, non-recognition of their economic contribution within the family and society. In order to resolve these emerging challenges, Government of India (GOI) has implemented various programmes and policies since Independence. Among these programmes, Self Help Groups (SHGs) may be considered as a significant initiative of the government as well as the non-governmental organisations (NGOs). These are based on the principle of democratic process of development. The democratic institution provides a platform to the socially and economically deprived sections and encourages them for economic participation. Since the 1970s, SHGs have been working in many states of India and contributing to the development processes. The present paper is an attempt to analyse the contribution of SHGs in women’s development in the district of Varanasi in Uttar Pradesh. The impact of these groups on women’s development has been analysed by Gender Development Index (GDI), which focused on the male-female differences in terms of longevity of life, knowledge and economic betterment.Key words: Development, Self Help Groups, Women in Development, Varanasi, India

Sign in / Sign up

Export Citation Format

Share Document