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Subject: Extension Education × Author: Sharma, Sangeeta × End date: 2016 × Type: Thesis × Thesis Type: Ph.D ×
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    ThesisItemOpen Access
    A STUDY ON UTILIZATION OF MICROFINANCE PROVIDED BY ASSAM GRAMIN VIKASH BANK TOWARDS WOMEN EMPOWERMENT OF SELF-HELP-GROUP BENEFICIARIES IN UPPER BRAHMAPUTRA VALLEY ZONE (UBVZ) OF ASSAM.
    (AAU, Jorhat, 2015) Sharma, Sangeeta; Bhattacharyya, A. K.
    Women are the vital component in society. The position and status of women in any society is an index of its civilization and progress. Empowerment of women helps in creating situation in which they can think about their own destiny and through which they can participate as equal partners in various development activities. Micro Finance refers to a collection of banking practices built around providing small loans and accepting tiny deposits. Assam Gramin Vikash Bank (AGVB) amalgamated in 2006 has performing SHG Bank Linkage Programmes disbursing microfinance. Keeping this in view this study was conducted with the following objectives: 1. To study the effectiveness of group in utilizing microfinance. 2. To study the socio-personal characteristics of respondents availing microfinance. 3. To find out the socio economic status and level of empowerment of women beneficiaries availing microfinance by AGVB. 4. To study relationship between utilization of fund and profile characteristic of beneficiaries. 5. To identify the problems perceived by respondents in availing and utilizing microfinance provided by AGVB. The study was conducted in Golaghat, Jorhat and Sivasagar districts of Assam. For the districts, data were collected with the help of selected Branches of Assam GraminVikas Bank. Total respondents of the study were 240. Assam Gramin Vikash Bank was established in 2005 summing up regional rural banks and one nationalised bank UBI. This bank has branches all over the state excluding KarbiAnglong and DimaHasao. For uplifting the socio-economic status of rural population, Assam Gramin Vikash Bank-the pioneer Regional Rural Bank of the state puts its sincere and concerted efforts towards sustainable economic development of rural Assam through holistic approach have resulted in many eye catching revolutionary impacts. The study was conducted with the help of six branches of the Bank spread in three selected districts of Upper Brahmaputra Valley Zone. The important findings of the study were:  Above fifty six percent (56.25%) of the respondents were of Young age.  Above thirty one percent (31.67%) of the respondents were educated upto Higher Secondary level.  Above sixty nine percent (69.16%) of the respondents were belonging to nuclear family.  Above sixty two percent (62.50%) of the respondents had small sized family.  Above forty two percent (42.50%) of respondents were from Scheduled Caste/Tribe.  Above seventy three percent (73.33%) of respondents were married, 19.17% respondents were unmarried.  Above fifty percent (50.83%) of respondents were having membership in one organization.  Above eighty six percent (86.67%) of respondents preferred Bank as their saving source.  Above forty eight percent (48.75%) respondents repaid more than 90% of microfinance they borrowed.  Majority of respondents (74.16%) had medium level of perceived economic motivation.  Above fifty six percent (56.67%) of respondents had high level of perceived innovation proneness.  Majority of the respondents (66.25%) had medium level of perceived risk bearing ability.  Majority of the respondents (75%) had medium level of Achievement Motivation.  Above sixty seven percent (67.91%) of respondents had medium level of perceived self confidence.  Majority of respondents had medium level of perceived group effectiveness of their group.  Majority of the respondents (74.58%) of respondents had medium level of women empowerment.  Goatery ranked first (freq.120) in adopting activities for utilizing microfinance by the bank.  Conflict among members was perceived as a major problem faced by the respondents.  Respondents perceived that the Bank showed little Monopolistic power.  Age, education, family type, family size, marital status and management of microfinance of respondents were found having no relationship with perceived group effectiveness of the respondents.  The study revealed that respondents from SC/ST caste and OBC/MOBC caste had a positive significant relationship (Sig. 050) with perceived Group effectiveness.  Positive significant relationship was found between perceived group effectiveness of respondents of all the districts with economic motivation (.173**), innovation proneness (.143*), and achievement motivation (.173**).  Itwas found that the group effectiveness had no relationship with risk bearing ability(.123NS) andself confidence(.009NS)  Respondents’ age, education, caste, saving pattern and repayment of microfinance had positive significant relationship with level of women empowerment.  Family type, family size, marital status, organizational membership of the respondents had no relationship with level of women empowerment.  It was found that there was apositive significant relationship between perceived level of women empowerment of respondents of all the districts with economic motivation (.228*), innovation proneness (.296**), risk bearing ability (.823**), self confidence (.527**) and achievement motivation (.485**)  The study revealed that perceived group effectiveness of the respondents had a positive relationship with perceived level of women empowerment (Sig. 0.000).