Micro Credit Management By Women S Self Help Groups

Contents: Introduction, Growth of Self Help Groups in India, Review of Literature, Methodology, Performance of the Self Help Groups, Impact of Micro Credit on SHG Members, Summary and Conclusion.

Beyond Micro-Credit sets out how Indian Micro-Finance Initiatives are combining micro-finance with a wide range of development goals, these include not only poverty alleviation through providing savings, credit and insurance services but also promoting livelihoods, empowering women, building people's organizations and changing institutions.

Study conducted in Erode District, Tamil Nadu, India.

Contributed papers presented earlier in a conference.

This book discusses women-oriented microfinance initiatives in India and their articulation vis-à-vis state developmentalism and contemporary neo-liberal capitalism. It examines how these initiatives encourage economically disadvantaged rural women to make claims upon state-provided microcredit and connect with multiple state institutions and agencies, thereby reshaping their gendered identities. The author shows how Self-Help Group (SHG)-based microfinance institutions mobilise agency and create channels of empowerment for women as well as make them responsible for alleviating poverty for themselves and their families. The book also brings out the importance of factoring in women’s dissenting voices when they negotiate developmental projects at the grassroots level. Rich in empirical data, this volume will be useful to scholars and researchers of development studies, gender studies, economics, especially microeconomics, politics, public policy and governance.

Women Self-Help Groups Are Increasingly Being Used As Tool For Various Developmental Interventions. Credit And Its Delivery Through Self-Help Groups Have Also Been Taken As A Means For Empowerment Of Rural Women.This Integrated Approach, Whereby, Credit Is Only An Entry Point, And An Instrument To Operationalise Other Aspects Of Group Dynamics And Management, Also Caters To The Need For Social Intermediation Of These Groups. A Self-Help Group Is Conceived As A Sustainable People S Institution That Provides The Poor Rural Women With Space And Support Necessary For Them To Take Effective Steps Towards Achieving Greater Control Of Their Lives.It Is With This Perspective That This Book Has Been Attempted.This Work Seeks To Elucidate And Simplify The Approach To Women S Empowerment Through Credit-Based Self-Help Groups, By Both Providing The Theoretical Perspective As Well As Practical Guidance And Tips To Operationalise The Same. This Book Is Meant Primarily As A First Level Reader For Middle Level Functionaries In The Development Sector.

Women population constitutes nearly 49% of the total population of India. Empowerment of rural woman is necessary for the development of each and every society & country. Author has focused on ‘Self Help Group and Comprehensive Empowerment of Women in Rural Area, because it is very significant for development of women in rural area. Present subject is related to commerce, Economic, Sociology, Human Science, Human Rights, and Social Welfare also. Present book is useful to study the Empowerment of women and performance of SHGs in Maharashtra and all over country. Women are indivisible or integral part of society. Without women society is incomplete. Investigation of working process of SHGs is useful to Government Implementing agencies /Institutions and member of Self Help Groups in deciding their policy and implementing it for Socio Economic development. This book is designed to Provide guidance to the student, research scholars, social workers, women and government at large. It is the humble desire of the author that the students, researchers, women and social workers will make it convenient to study this boon on empowerment of rural women. The book has been designed with a multidimensional approach towards the significance, implementation procedure, drawbacks, socio-economic analysis and ways for improving SHGs Schemes of the Government. The book consists valuable data collected from various agencies implementing the schemes of the Government. Various statistical methods have been used to reach the result. So, the book will be useful & helpful to all the relevant people working on rural development, socio-economic planning &development.

Microfinance, as a concept, involves providing financial services, particularly small credit, fund transfer, and insurance to the unemployed, low-income group, and those who do not have easy access to the banking system. It has emerged as an active agent of financial inclusion, ensuring economic, and social upliftment of the unprivileged. Microfinance is being operated through two channels Self-help Group-Bank Linkage Programme (SBLP) and Micro-finance Institutions (MFIs). The special characteristic of SBLP is its direct connection with the clients at the grass-root level and working towards poverty reduction by providing financial support. The paper is based on a field study on SBLP undertaken for women in the Varanasi District of Uttar Pradesh, India. The increase in women’s participation in economic activities and decision-making reveals that SHGs have made an impact. SHGs have also helped them to create a common platform to participate, discuss, and find a solution of their problems. Women’s income and occupation structure under SHGs have also influenced the standard of living and empowerment level significantly.