Das, R.Kadir, Abdul2022-02-262022-02-262017-07https://krishikosh.egranth.ac.in/handle/1/5810182915The present study was carried out in Sepahijala district of Tripura to find out the impact of microfinance through SHG. A Multistage Stratified Random Sampling technique was used to select the ultimate sample size, i.e. selection of SHGs from Nalchar development block of Sonamura sub-division of Sepahijala district. Nalchar development block was selected purposively because highest number of SHGs was present at this block. Total sample SHG was twenty for collection of primary data. Selected SHGs were categorized as small, medium and large according to their membership strength. The study reveals that 60.33 per cent of the SHG members were age of (25-35) range & 52.57 per cent of the SHG members had education of High School Leaving Certificate. It was found that 68.18 per cent member’s family income was (₹5000-10000). Maximum number of SHGs were women SHG(85 per cent). Tripura Grameen Bank had provided highest amount (55 per cent) of loan to the SHGs. The Study reveals that SHGs were mainly involved in crop enterprises, vegetable cultivation, dairy, goatery, piggery, fishery etc. Average amount of loan and subsidy were ₹ 156424.80 & ₹ 82655.20 respectively. Per SHG saving was ₹103360.60. From the total credit amount, 87.35 per cent was used for agriculture & allied activities & the rest (12.65 per cent) was used in other activities. Highest amount (36.78 per cent) of credit was utilized in fishery. Vegetable production has got highest B: C ratio(3.68) followed by fishery(3.23) in the small SHGs. Fishery and vegetable cultivation has more profit than other enterprises. Insufficient amount of loan, complex procedure of loaning, high cost of inputs, delay in disbursement of loan by banks , lack of marketing facilities and lack of proper information about sources of fund were the major problems of microfinance through SHG in the study area. SHGs connected a very large section of poor household with banks, which were out of reach from the conventional banking system. SHG will bring women empowerment if proper guidance, financial assistance, training is given to the rural women.EnglishThesis