scholarly journals K. G. Karmakar. Rural Credit and Self-help Groups—Micro-finance Needs and Concepts in India. New Delhi: Sage Publications, 1999. 374 pages. Hardbound. India Rs 465.00.

2000 ◽  
Vol 39 (3) ◽  
pp. 269-272
Author(s):  
Atiq-ur- Rehman
Keyword(s):  
Economic Growth ◽  
Rural Areas ◽  
Growth And Development ◽  
New Delhi ◽  
Rural Credit ◽  
Self Help ◽  
The Poor ◽  
National Economic ◽  
Grassroots Level ◽  
Self Help Groups

Inadequacy of capital results in inefficient utilisation of resources in the rural areas. It does not only impact negatively on national economic growth but also proves to be instrumental in keeping the poor trapped in poverty as formalised traditional capital markets remain beyond the reach of the poor. In such cases, then, micro-financing services offer the best solution to the aforementioned problem. It is encouraging to note that micro-financing is being recognised as a powerful tool in alleviating poverty and promoting growth and development at the grassroots level.

scholarly journals Sustainable Sanitary Pad: A Case from Tamil Nadu

2018 ◽  
Vol 13 (3) ◽  
pp. 54
Author(s):  
Shankar Chatterjee
Keyword(s):  
Family Member ◽  
Rural Areas ◽  
Tamil Nadu ◽  
Indian Women ◽  
Self Help ◽  
Survey Report ◽  
Grassroots Level ◽  
Sanitary Pads ◽  
Self Help Groups ◽  
Different Levels

According to the WHO survey conducted in October 2017 carried out across India including 35 cities viz., Bengaluru, Chennai, Cuttack, Delhi, Indore, Jaipur, Kanpur, Kolkata, Ludhiana, Mumbai, Ranchi, Srinagar, Surat and Thiruvananthapuramwomen respondents were contacted to get an idea about issues related to women. It has been revealed that about 43 percent of Indian women did not have access to sanitary essentials at the beginning of periods, while 36 percent felt uncomfortable in buying them with other customers around. Further, according to the survey report around 67 percent women have had to borrow a sanitary essential from a friend, colleague or family member. More than 45 percent women opined that menstruation was still considered a taboo in the society and 36 percent felt uncomfortable while buying sanitary essentials from a chemist shop in the presence of other customers. To address the situation at grassroots level many organizations have been working at different levels like awareness creation, producing of cheap sanitary pads etc. One such organization is Gramalayawhich has been operating in Thottiyam and Thathaiengarpet and Thuraiyur Block in the rural areas and in the slums of Tiruchirappalli City Corporation in Tiruchirappalli District. They are promoting sustainable sanitary pads by producing these through self-help Groups (SHGs). In this article based on a study carried on 1<sup>st</sup> December 2018, a case is presented.

A Study on Importance and Efficacy of Self Help Groups in Women Employment

2016 ◽  
Vol 6 (2) ◽  
Author(s):  
Sushma . ◽  
Yasir Arafat Elahi
Keyword(s):  
Rural Areas ◽  
Financial Services ◽  
Rural Economy ◽  
Armed Forces ◽  
Government Organizations ◽  
Self Help ◽  
The Poor ◽  
Family Chaos ◽  
The Government ◽  
Self Help Groups

“Women”; a word that reminds us our mother, sisters, wife, daughters fulfilling all their family chaos and now they can be seen in more modern roles like managers, educators, political leaders and much more is coming. Today they have even dared to break the gender barriers to become mountaineers, pilots and even serving combat roles in armed forces. In India, after independence the constitution leaders and policy makers realized the fact that, in order to develop whole country it is very important to put women in equal position to men. It was the need of the hour to make women empower economically, socially, politically, legally as well as psychologically. Education is the first and foremost way to empower them as it created awareness and enable them to take decisions.Self Help Groups (SHGs) have become the vehicle of change in the rural areas, transforming the lives of the marginalized. SHGs organize the poor and the marginalized to join hands to solve their problems and the method has been very successfully used by the government and the Non-Government Organizations in achieving several goals. As a firm or enterprise, SHG performs the role of collective bank and enterprise and ensures better access to loans with a lower rate of interest to start micro unit enterprise. SHGs have emerged as a powerful instrument in order to eliminate poverty and for the empowerment of women in the rural economy. SHGs through the network of commercial banks, co-operative banks, regional rural banks, NABARD and NGOs are largely supply driven and a recent approach in the provision of financial services to the poor and further upgrading their status in the society. In this empirical study we analyze the performance of the SHG’s in order to understand the benefits it has accrued to the females of the society. The paper here focuses on appraising the women empowerment in various fields like economical, psychological, social etc. with the help of Self Help Groups.

scholarly journals ROLE OF DIGITIZATION IN FINANCIAL INCLUSION OF SELF- HELP GROUPS

2019 ◽  
pp. 43-46
Author(s):  
Puja Rajvanshi ◽  
S. K. Vyas
Keyword(s):  
Rural Areas ◽  
Financial Services ◽  
Financial Inclusion ◽  
Credit System ◽  
Digital Inclusion ◽  
Digital Medium ◽  
Self Help ◽  
The Poor ◽  
Self Help Groups ◽  
The Impact

India has always aimed at inclusive growth. A large part of population still resides in rural areas. Economic development of India is not possible without rural development. Several programs were introduced from time to time with the core objective of easing the accessibility of financial services to the poor but with little success. One of the reasons for rampant underdevelopment of rural India is inaccessibility of funds at the grass root level. As the formal credit institutions were considered incapable of dealing with the financial requirements of the poor, microfinance emerged as an alternate credit system. This has further gained momentum by using technology to provide financial services to the poor. This paper would focus on how digitization has influenced financial inclusion and what are the various challenges that must be tackled to make it more effective. As the focus is on SHG- BLP model, this paper would emphasize how the SHGs can utilize digital medium to reap more benefits out of this microfinance model. The paper would give insight into how the impact of microfinance can be enhanced using technology. KEY WORDS: Microfinance, Self Help Groups, NABARD, Digital Inclusion, Digitization etc.

scholarly journals The Impact of Micro Finance on Rural Households

2015 ◽  
Vol 1 (1) ◽  
Author(s):  
Taramol K.G.
Keyword(s):  
Economic Development ◽  
Poverty Alleviation ◽  
Poverty Reduction ◽  
Rural Poor ◽  
Rural Credit ◽  
Self Help ◽  
The Poor ◽  
Banking Institutions ◽  
Self Help Groups ◽  
The Impact

Micro Finance has become one of the most effective instruments for economic development of the poor. Expansion of rural credit delivery system since 1947 has not changed the dependence of the poor on money lenders ad commission agents. The dependence of the rural poor on non-institutional sources of credit is one of the causes that perpetuate their poverty. The poverty alleviation and government sponsored schemes in banks have problems in implementation, with more Non Performing Assets than of other schemes and therefore failed to deliver the expected results. Thus the rural banking institutions are out of step with changing rural credit. The situation necessitated the formation Self Help Groups for enabling the poor to participate in the process of development. Micro Finance or Micro credit for the poor and women has received extensive recognition as a strategy for poverty reduction and for economic development. Micro finance aims at organizing people particularly around credit and building capacities to manage money. The focus is on getting the poor to mobilize their own funds, building their capacities and empowering them to leverage external credit.

The Job Of Microfinance For The Advancement Of Self Help Groups In India

2019 ◽  
Vol 118 (8) ◽  
pp. 236-240
Author(s):  
Dr.R. Murugesan ◽  
M. Leelavathi ◽  
Dr. K. Ravindran
Keyword(s):  
High Growth ◽  
High Growth Rate ◽  
Entrepreneurial Skills ◽  
Self Help ◽  
The Poor ◽  
Total Food ◽  
Self Help Groups ◽  
Positive Step ◽  
Food Consumed

towards jumping from the category of developing economy to developed economy there is one big factor that stops and poses a hindrance in its path of advancement and that obstacle is termed as Poverty. The Indian economic policy focuses on a high growth rate along with a equal participation of the poor so that they avail the opportunities available in the market economy. And in order to ensure the participation of the poor it has become important for the country to create a platform where the poor can easily access the various financial products. Microfinance is one such strategy for inclusive growth. Microfinance can change the life of the poor though not completely but a reasonable change can be ensured. In different phases of life women play a crucial role despite the discrimination that is faced by them. But equality can be endowed to women by enhancing the entrepreneurial skills in them. This is possible through Self Help Groups (SHGs). In India women produce around 30% of the total food consumed but she gets only 10% of the property or wealth of the country. Development of women is inevitable for the development and growth of any economy. SHGs happen to be a positive step in this direction. Along with these mediums there should be a cheap and easy source of credit for them and Microfinance fulfills the requirement. This study aims to find the role of this strong medium of Microfinance in the advancement of SHGs in India

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 Employment Creation through Microfinance and Self Help Groups with Special Reference to Thanjavur District

2019 ◽  
Vol 8 (4) ◽  
pp. 12373-12376
Keyword(s):  
Special Reference ◽  
General Public ◽  
Living Conditions ◽  
The Self ◽  
Employment Creation ◽  
Self Help ◽  
The Poor ◽  
Life Challenges ◽  
Set Up ◽  
Self Help Groups

Framing gatherings is normal among individuals who share something practically speaking. Individuals have constantly attempted to beat their troubles aggregately and observed to be fruitful in their endeavors. Self improvement Gathering is one such gathering that is gone for assisting the ladies people with facing their life challenges on the whole in the general public where they live in. Over the most recent three decades the Self Help Movements has mushroomed in India. The poor do have inborn limit in them to improve their living conditions. Smaller scale acknowledge is perceived as a viable device to move the poor into another space of monetary strengthening. Miniaturized scale credit will be credit reached out to the reduced for self-determining employment, money related administrations like reserve funds and limit working among ladies society. In the vast majority of the nations helpful developments were set up to stretch out money related administrations to its' individuals since long.

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