scholarly journals Path To Financial Inclusion: The Success Of Self-Help Groups-Bank Linkage Program In India

2011 ◽  
Vol 8 (11) ◽  
Author(s):  
Sivakumar Venkataramany ◽  
Balbir B. Bhasin
Keyword(s):  
Child Labor ◽  
Developing Economies ◽  
Financial Inclusion ◽  
Major Theme ◽  
Self Help ◽  
Women Groups ◽  
Social Cause ◽  
The Government ◽  
Self Help Groups ◽  
Linkage Program

Financial inclusion has been a major theme in both industrialized and developing economies in the era of financial globalization. When microcredit institutions have received limited success in many countries, microfinance is being used in India for the purpose of accomplishing universal financial inclusion. This paper recognizes the overwhelming efforts of the Government of India and focuses on the success of the linkage between commercial banks and self-help groups (SHGs). The SHGs comprising predominantly women groups help in the social cause of alleviation of poverty, , increase of sustainability, reduction of vulnerability, improvement of capacity building and help the weaker sections build assets. Increased education, better standard of living, reduced child mortality and child labor, emancipation cum empowerment of women, and communal harmony are value adding benefits to the country.

scholarly journals Engendering Women’s Access to Credit through Financial Inclusion in India

2016 ◽  
Vol 8 (6) ◽  
pp. 201
Author(s):  
Jaya Mathew ◽  
Reeba Kurian
Keyword(s):  
Financial Inclusion ◽  
Access To Credit ◽  
Representation Of Women ◽  
Self Help ◽  
Reserve Bank ◽  
National Bank ◽  
The Government ◽  
Self Help Groups ◽  
Formal Finance ◽  
Women In India

<p>Government of India and Reserve Bank of India has undertaken a lot of measures to mitigate the problem of financial inclusion in India. The emergence of Self Help Groups (SHGs) and SHG-Bank linkage Programme have helped extensively to strengthen the poor especially women. In India due to social and cultural reasons women face greater challenges in access to formal finance.</p><p>This study highlights the representation of Women in Self Help Groups (WSHGs) and SHG-Bank Linkage programmes undertaken by the Government of India (GOI) and National Bank for Agriculture and Rural Development (NABARD) and tries to establish that these initiatives have improved women’s access to finance in India.</p>

scholarly journals An Overview of Sustainable Development through Micro Finance: A Study of Self Help Group – Bank Linkage Program in Central Region of India.

2021 ◽  
Vol 23 (05) ◽  
pp. 294-318
Author(s):  
Dr. Jai Jayant ◽  
◽  
Chandra Dev Bhatt ◽  
Keyword(s):  
Rural Development ◽  
Central Region ◽  
Pilot Project ◽  
Financial Inclusion ◽  
Bank Loan ◽  
Self Help ◽  
National Bank ◽  
Self Help Groups ◽  
Linkage Program ◽  
Self Help Group

Micro finance is playing an important role in India for socio-economic development of those citizens who are economically and socially backward. Micro – finance have become a vital tool for promoting financial inclusion in the country. In India, as per 2011-12 censuses, 21.9% population was below poverty line. Self Help Group – Bank Linkage Program has been continuously working since its inception for alleviating poverty in the country. Self Help Group- Bank Linkage Program was started as a pilot project by National Bank for Agriculture & Rural Development (NABARD) in the year 1992. NABARD was established in the country in the year 1982 and since its establishment, it has been continuously working in analyzing most suitable financial policies, loan disbursement methods and other allied services for promoting financial inclusion in the country. The program had been proved an important channel for smooth operation of micro-finance in the country and a yard stick for measuring growth and development of socio- economic conditions of deprived and poor people. As a pilot project, NABARD aimed to finance 500 Self Help Groups in February 1992. It has shown a tremendous growth and reached to landmark increment in number of Self Help Groups which were 55.77 lakhs as on 31-03- 2020. The present study aims to find out the growth of micro finance through SHG- Bank Linkage Program by National Bank for Rural Development in Central Region of India during a decade period ending financial year 2020. The study would analyze the Savings of SHGs’ with Banks, Bank Loans disbursed to SHG’s and Bank Loan outstanding against SHGs’ during above mentioned period.

Success of Self Help Group – Bank Linkage Program in India under Financial Inclusion

2016 ◽  
Vol 6 (1) ◽  
Author(s):  
Ritu Singh
Keyword(s):  
Rural Areas ◽  
Commercial Banks ◽  
Financial Inclusion ◽  
Functional Reach ◽  
Self Help ◽  
Geographical Spread ◽  
The Social ◽  
Linkage Program ◽  
Self Help Group

The ‘social banking’ policies being followed by the country resulted in widening the geographical spread and functional reach of commercial banks in rural areas in the period that followed the nationalization of banks. This paper is concluded with a view that SHG – Bank Linkage program is a success in our country India and helping many people to make their life better.

Land Acquisition, Markets and Political Networks: Evidence from the Indian Sundarbans

2021 ◽  
Vol 16 (2) ◽  
pp. 194-219
Author(s):  
Prasenjit Sarkhel ◽  
Anirban Mukherjee
Keyword(s):  
Land Acquisition ◽  
Reservation Price ◽  
Public And Private ◽  
Price Response ◽  
Indian Sundarbans ◽  
Land Owners ◽  
Self Help ◽  
Political Networks ◽  
The Government ◽  
Self Help Groups

In recent times, land acquisitions in India for both public and private projects are facing stiff political resistance. Existing studies on land acquisition mostly focus on optimal compensation that would secure the consent of land owners. In this article, we argue that besides compensation, membership in different types of networks such as political parties and self-help groups might influence landowner consent. This could occur either because of pro-social concerns or access to better investment opportunities for the compensation amount. Using survey data from flood prone Indian Sundarbans, where the government sought to acquire land to construct embankments, we find evidence supportive of our hypothesis. The survey elicited reservation price response from land owners for a hypothetical land acquisition program. Our estimates show that land owners with self-help group members are more likely to have a higher ask price for agreeing to land sales. In contrast, controlling for length of party association, members of political networks are more likely to sell their land and have a lower reservation price than their non-political counterparts. Our results suggest that, rather than only increasing the compensation package, which is a stock of wealth, it is equally important to enhance the flow of income to ensure consensual land sales.

Benchmarking financial inclusion for women entrepreneurship – a study of Uttarakhand state of India

2019 ◽  
Vol 26 (1) ◽  
pp. 160-175
Author(s):  
Nidhi Goel ◽  
Pankaj Madan
Keyword(s):  
Total Sample ◽  
Entrepreneurial Intention ◽  
Financial Inclusion ◽  
Women Entrepreneurship ◽  
Content Type ◽  
Self Help ◽  
New Business ◽  
Future Data ◽  
Independent Variable ◽  
The Government

Purpose Benchmarking is a very important tool to know the gap in your performance and best performance. It is possible to apply benchmarking in a wide variety of area. This paper uses benchmarking for assessing women entrepreneurship. Women entrepreneurship is a symbol of the balanced growth of the society. Financial inclusion schemes offered by the government are aimed to encourage a large number of women of the country to entrepreneurship. The purpose of this paper is to examine the effect of financial inclusion and others factor like family circumstances, benchmarking, entrepreneurial motivation and entrepreneurial intention of women on their decision to take up entrepreneurship as a career choice. Design/methodology/approach This research study is undertaken to understand the relation of financial inclusion schemes on women entrepreneurship and also to develop a cause–effect relationship. Here, financial inclusion effort is an independent variable, whereas women entrepreneurship is a dependent variable. A sample size of 250 women entrepreneur was taken. The sample was selected on the basis of convenience. Out of the total sample, 125 women belonged to the self-help group and 125 women were registered under the RSETI program of lead banks of Haridwar and Dehradun districts of the Uttarakhand state of India. Findings The results of the present study indicate that there is a statistically significant impact of financial inclusion on women entrepreneurship. It provides the platform to the women that help them in establishing a new business. Research limitations/implications Data for present study were collected from two districts of Uttarakhand. In future, data can be collected from different geographical areas of India for generalizing the findings of the study. Practical implications The results of present study indicate that there is a statistically significant impact of financial inclusion on women entrepreneurship. It provides the platform to the women that help them in establishing a new business. For promoting women toward entrepreneurship, the government has launched many schemes. Social implications After the study, the author found that the society will accept the fact that women entrepreneurship is emerging as a dire need for the country. Originality/value The author followed all the guidelines that were concerned about the originality of the paper. This paper is not under review of any journal.

scholarly journals NRLM Programme: Progress Of Women Entrepreneurs With Special Reference To Varanasi District

2018 ◽  
Vol 14 (02) ◽  
Author(s):  
Sofia Khan
Keyword(s):  
Women Entrepreneurs ◽  
Growth And Development ◽  
Secondary Data ◽  
Research Paper ◽  
The Third ◽  
Self Help ◽  
Rural Livelihood ◽  
The Government ◽  
Self Help Groups ◽  
Women In India

A lot of research has been carried out and are being carried out for the growth and development of women in India. In light of this, the present research paper tries to study the progress of the Women Self Help Groups (WSHGs) under National Rural Livelihood Mission (NRLM) in Varanasi district. This research paper has been divided into seven sections: the first section outlays the introduction. The second section deals with the brief literature review. The third section explains the detailed research methodology adopted to carry out the study and deals with the objective of the research paper which is to study the progress of women entrepreneurs under NRLM in Varanasi. The study is descriptive in nature and purely based on secondary data obtained from DRDA of Varanasi, which examine the progress of the WSHGs under NRLM programme of the government in Varanasi. The fourth section presents the findings of the research attempted for the study. The fifth section deals with the concluding remarks and would enlighten us to understand the reality of the initiative. The sixth section and seventh section tries to highlights the recommendations/suggestions and limitations of the study respectively.

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

scholarly journals Review of Microfinance Schemes in Haryana with focus on Mewat

2016 ◽  
Vol 7 (1) ◽  
pp. 27-54
Author(s):  
Archana Mehra ◽  
D. R. Aggarwal
Keyword(s):  
Poverty Alleviation ◽  
District Level ◽  
Development Agency ◽  
Extra Effort ◽  
Self Help ◽  
Economic Parameters ◽  
The Government ◽  
Set Up ◽  
Self Help Groups

Inspite of the fact that Haryana is a fast developing state of India, yet it is grappling with the problem of development of a backward district like Mewat (newly carved out district from Gurgaon and Faridabad). Since Microfinance is considered as one of the major tools of poverty alleviation, this paper describes the various microfinance schemes in Haryana with focus on Mewat. The Mewat Development Agency has been set up at the district level to overview and to monitor the progress of various schemes being implemented under the Mewat Development Board, set up by the Government of Haryana in 1980, as an extra effort of development apart from the normal plan schemes. The Mewat Development Agency is actively promoting Self-Help Groups (SHGs) through its Federation. Mewat has been severely lagging behind in terms of socio-economic parameters of development and the problem is further aggravated due to the rigid socio-cultural mindset of the area. Besides examining the various microfinance schemes in operation in Haryana, an attempt has also been made to highlight the shortcomings of the schemes.

scholarly journals Financial Inclusion in Nigeria: A Gender Gap Approach

2021 ◽  
Vol 3 (3) ◽  
Author(s):  
Wagbafor Marx O. ◽  
Adenegan Kemisola O. ◽  
Oladokun Yetunde O.M ◽  
Olasehinde Toba
Keyword(s):  
Gender Gap ◽  
Developing Economies ◽  
Wealth Quintile ◽  
Financial Inclusion ◽  
Gender Gaps ◽  
Goods And Services ◽  
The Past ◽  
Inclusion Level ◽  
The Government ◽  
Farm Business

Ability to have access and use financial goods and services such as bank and mobile money accounts indicates the overall financial inclusion level of an economy and the higher the indices are in any economy, the better that economy is. Financial inclusion is important to realize inclusive growth in any country. It has direct impacts on the level of growth and development experienced by any economy. It can however, be skewed along gender lines as noticed overtime in the Nigerian economy and other developing economies. This study examined financial inclusion in Nigeria: a gender gap approach. It also determined the factors responsible for the gender gaps. The Global Findex (2014) dataset of Nigeria from World Bank database was used to analyse the aims of the study. In the study, 61% of the men were financially included, while only 43% of the female were financially included, with 18% gap. The gap in endowments accounted for the huge difference of the gap in outcomes as males seemed to be more naturally favoured by society than females. The level of education, wealth quintile, saved in past 12 months for farm/business purposes, sent domestic remittances in the past 12 months, paid utility bills in the past 12 months, and received wage payments in the past 12 months are the factors explaining the gender gaps in Nigeria. Thus the government and other relevant stakeholders should encourage females along these factors.

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