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.

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.

Financial Inclusion Through Microenterprises of Rural SHGs

2018 ◽  
pp. 269-281 ◽  
Author(s):  
Rahul Vyas ◽  
Nidhi Nalwaya
Keyword(s):  
Low Income ◽  
Rural Areas ◽  
Economic Transformation ◽  
Financial Inclusion ◽  
Employment Opportunities ◽  
Self Help ◽  
Financial Framework ◽  
Self Help Groups ◽  
The Impact ◽  
Self Help Group

The elementary aim of microenterprises and Self Help Groups (SHGs) is to empower the impoverished populace, particularly of the rural areas, and furthermore provide financial sustainability so as to improve livelihoods. The pervasive twin threats of unemployment and exclusion from the financial framework in the rural areas are the major challenges to the economic and social development of India. A self-help group is a potent means to remove poverty in the same vein microenterprises contribute significantly to economic development and social stability by affording employment opportunities, thereby emerging as a vehicle through which low-income people can escape poverty. SHGs and microenterprises are a significant means for socio-economic transformation through financial inclusion. The objective of the chapter is to study and analyze the impact of microenterprises and SHGs on the financial inclusion of people in rural areas of Tribal South Rajasthan.

Empowerment of Rural Women through SHGs: A Study in Telangana

2017 ◽  
Vol 4 (36) ◽  
Author(s):  
Shankar Chatterjee
Keyword(s):  
Rural Women ◽  
Rural Areas ◽  
Poverty Line ◽  
Rural India ◽  
Group Approach ◽  
Research Article ◽  
Self Help ◽  
Rural Livelihood ◽  
The Family ◽  
Self Help Group

The self-help group (SHG) is a powerful instrument to empower economically backward women of rural India as the women members under the SHG not only can earn income but they feel empowered also. With the launching of Swarnajaynti Gram Swarozgar Yojana (SGSY) by the Ministry of Rural Development, Government of India from April 1999, subsequently rechristened as Deen Dayal Antyodaya Yojana–National Rural Livelihood Mission (DAY-NRLM) self-help group approach (SHG) has been given utmost importance in India for the development of rural women mainly focusing on below poverty line households. SHG concept is popular in many rural areas of India as through economic development and subsequently empowering, rural women have got a solid platform. This research article has discussed the how rural women after forming SHGs in Ranga Reddy district (R.R. District) of Telangana were not only earning and contributing to the family but felt empowered also. The study was carried out at Gandipet village of Gandipet Mandal, Ranga Reddy (R.R.) district in September 2017. The some women members of 10 different SHGs were contacted and few individual cases are presented here.

scholarly journals Progress of Self Help Group-Bank Linkage Programme in India

2021 ◽  
Vol 9 (2) ◽  
pp. 41-51
Author(s):  
N Muthu
Keyword(s):  
Commercial Banks ◽  
Banking Sector ◽  
Bank Loans ◽  
Statistical Tools ◽  
North West ◽  
Self Help ◽  
The Poor ◽  
National Bank ◽  
Self Help Group ◽  
Remarkable Progress

In this paper an attempt has been made to analyse the progress of SHG-Bank linkage programme in India during the period between 2007-2008 and 2019-2020. The progress of SHG-Bank linkage programme has been analyzed in terms growth of savings of SHGs with banks and growth of bank loans disbursed to SHGs. For this purpose the data required for the study were collected from the official publication of National Bank for Agricultural and Rural Development (NABARD), different published reports, journals and existing available literature. This study employed simple statistical tools such as percentage analysis and averages to analyze the data. The result of the study shows that there is significant raise in the amount of savings of SHGs with banking sector and amount of loans disbursed to SHGs, During this study period. However the agency-wise analyses of savings of SHGs and loans disbursed to SHGs show that the Commercial banks lead in getting savings of SHGs and loans disbursed to them followed by Regional Rural Banks and Co-operative banks. Not with standing the remarkable progress, geographically there has been skewed development of SHG-Bank linkage programme in India. There is wide regional disparity in the spread of SHGs, savings of SHGs with banks and loans disbursed to SHGs under this programme. The outreach of this programme is spectacular in Southern region while North, West and Eastern regions are lagging behind. In view of the large outreach, predominant position and the possible benefits to the poor, it is very important to see the benefits of this programme to reach across all sections of the society and regions. So far the SHG movement is India is mostly South-Centric and it is yet to take off the real sense in other regions of India.

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.

Enhancing the Rural Self Help Group -- Bank Linkage Program

2011 ◽  
Author(s):  
Vikas Agarwal ◽  
Vikram Desai ◽  
Shalini Kapoor ◽  
Ponnurangam Kumaraguru ◽  
Sumit Mittal
Keyword(s):  
Self Help ◽  
Linkage Program ◽  
Self Help Group

scholarly journals PENYESUAIAN SOSIAL PENYANDANG DISABILITAS TUBUH DI BALAI BESAR REHABILITASI SOSIAL BINA DAKSA (BBRSBD) PROF. DR. SOEHARSO KOTA SURAKARTA, JAWATENGAH

KOMUNITAS ◽  
2019 ◽  
Vol 10 (1) ◽  
pp. 20-38
Author(s):  
Lukman Prasetyo Utomo
Keyword(s):  
Social Adjustment ◽  
Research Method ◽  
Social Approval ◽  
Disabled People ◽  
Descriptive Research ◽  
High Category ◽  
Self Help ◽  
Social Rehabilitation ◽  
The Social ◽  
Self Help Group

Final Scientific Writing is based on research about Social Adjustment of Disabled People at Social Rehabilitation House ofBinaDaksa (BBRSBD) of Prof. Dr. Soeharso Surakarta. The objectives of the research are to obtain the description about: the characteristics of respondents and 5 aspects of social adjustment namely: recognition, participation, social approval, altruism, and conformity. The method used in this research was descriptive research method with quantitative approach;it aimed to describe the Social Adjustment of Disabilities People at Social Rehabilitation House of BinaDaksa (BBRSBD) of Prof. Dr. Soeharso Surakarta. Data collection techniques used werequestionnaires, observations, and documentation studies. The research was conducted on 34 respondents determined by census. The results showed that the characteristics of respondents consisted of 10 women and 24 men among the ages of 17-25 years. The result of research also showed that 5 aspects of social adjustment, namely recognition aspect 94,12% are in high category so that it needs to be maintained, participation aspect 52,94% is in medium category so that it needs to be improved, social approval aspect 50.00% is in high category and 50.00% is in the moderate category so it needs to be improved, altruism aspect 73.53% is in high category so it needs to be maintained, conformity aspect 85,30% is in high category so it needs to be maintained. Based on the results of research, the participation and social approval aspects are in the moderate category, so they need to be improved by taking into account the problems faced and the source system that can be utilized, the writer offers problem solving in the form of "Participation Enhancement Program and Social Approval for Disabled People through Self-help Group (selfhelp group) at Social Rehabilitation House of BinaDaksa (BBRSBD) of Prof. Dr. Soeharso Surakarta. ". This program aims to improve the realization of better social adjustment for people with disabilities.

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