IMPACT OF MICRO-FINANCE ON THE DEVELOPMENT OF WOMEN SELF-HELP GROUP MEMBERS-AN ECONOMIC ANALYSIS
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Date
2009-07-12
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University of Agricultural Sciences GKVK, Bangalore
Abstract
Sthree Shakthi is an approach through which efforts are being made by the
government with the intension to pool both human and material resources and empower
women in rural areas.The study aimed at assessing the socio-economic profile, cost and
returns of income-generating activities, impact of micro-finance and magnitude of
empowerment of Sthree Shakti Group members (SSG) in Doddaballapura taluk of Bangalore
Rural district. Primary data was collected from 100 SSG members and 30 non-SSG members
with the help of pre-tested and structured schedule for the year 2007-08.
The findings of the study reveal, that 80 per cent of SSG members and only 17 per
cent of non-SSG members had institutional participation. The total annual income of SSG
members was Rs.1,15,745 while it was Rs.53,693 in case of non-SSG members. Returns per
rupee of cost from diary, sheep and goatery, tailoring, flower vending and laundry was 1.74,
2.34, 1.98, 1.70 and 2.69 respectively in case of SSG members. The loan amount borrowed
per member of SSG member was Rs.3312 and it was Rs.1687 in case of non-SSG members.
The savings per member in SSG was Rs.2233 compared to non-SSG (Rs. 1275). SSG
members possessed assets like borewells , pump sets , sewing machines through SSG
finance, while non-members created assets like borewells and pump sets by loan utilization.
SSG members were able to get an additional employment of 50-80 days per annum under
different activities due to SSG finance.81per cent of SSG members had high economic
empowerment while only 14 per cent of non-SSG members had high economic
empowerment. Since SSGs play a major role in empowering women in terms of social,
economical and capacity building, there is a need to encourage more of SSGs. The study also
reveals that the performance of NGO promoted SSG members was better than
Govt.promoted SSGs. Hence, the participation of NGOs should be encouraged to promote
more number of SSGs covering the entire women folks.
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