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University of Agricultural Sciences, Dharwad

The University of Agricultural Sciences, Dharwad was established on October 1, 1986. The University has 5 Colleges, 27 Research Stations, 6 Agriculture Extension Education Centers, 6 Krishi Vigyan Kendras and ATIC. The University has its jurisdiction over 7 districts namely Bagalkot, Belgaum, Bijapur, Dharwad, Gadag, Haveri, and Uttar Kannada in northern Karnataka. Greater diversity exists in soil types, climate, topography cropping and farming situations. The jurisdiction includes dry-farming to heavy rainfall and irrigated area. Important crops of the region include sorghum, cotton, rice, pulses, chilli, sugarcane, groundnut, sunflower, wheat, safflower etc. The region is also known for many horticultural crops. Considerable progress has been registered in the field of education, research and extension from this University.

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Subject: Agricultural Economics × Author: Josily Samuel × Thesis Type: M.Sc × Type: Thesis ×
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    ThesisItemOpen Access
    Women empowerment through microfinance in Dindigul district of Tamil Nadu – An economic analysis
    (UAS, Dharwad, 2006) Josily Samuel; L.B.Kunnal
    This study was undertaken to assess the empowerment of women through microfinance. The study was conducted in Kodaikanal taluk of Dindigul district. From the taluk, Six villages were selected based on highest number of SHGs. From each of the selected villages, five groups were selected based on income generating activity. And from each of the groups three members were selected. Thus a total of 90 members from 30 groups formed the sample size. To assess the impact of SHGs on the women empowerment paired t-test, impact index and multiple linear regression analysis were done. Findings of the study revealed that majority of the members were middle aged, married, educated from nuclear family belonging to backward class. The average amount of loan from SHG since inception was Rs.1972.20 per member and from bank was Rs.14,517 per member and savings per year was Rs.1,332.40 per member. The major factor motivating the members to joining SHG was NGOs intervention. About 93.34% of the groups belonged to model-I which were formed by NGOs and linked to banks. A number of income generating activities were undertaken by the SHGs. The percentage change in income (45.99%), investment (20.09%), assets (53.43%), consumption (25.85%), employment days (112.48%) and savings (264.70%) of the members after joining the SHG was calculated. The t-value calculated for the above were found to be significant and assets at 1% level. Investment, savings employment and assets were the major factors influencing the income level of the SHG members. The R² value was 0.84 which indicated that explanatory variables explained 84% of variation in income generation of the members. The gain index of social empowerment was 30.61 and economic empowerment was 39.09. Majority of members (84.44%) opined that banks/NGO made it easy to get loan collectively and SHGs charged lower interest rate with timely credit.