Empowerment of women in the third world countries is important because the benefits will be felt not only by the women themselves, but by their households as well. It may take a more
enlightened approach to ensure the empowerment of women in developing countries, but the returns to their families and even the societies as a whole will be worth it. The conceptual development of the subject matter of research shall be arranged in a chronological order. This Paper highlighted the Conceptual framework which was earlerly undertaken by various researchers.
C.PARAMASIVAN -CONCEPTUAL BACKGROUND OF WOMEN EMPOWERMENT THROUGH SHGchelliah paramasivan
This document discusses conceptual frameworks of women's empowerment through self-help groups (SHGs). It summarizes various researchers' conceptual frameworks on this topic. Key points discussed include how SHGs have empowered women economically and socially by providing credit, skills training, and leadership opportunities. SHGs are seen as having the potential to revolutionize rural development and women's status in society through increased income, asset accumulation, and changed social outlooks for members.
C.PARAMASIVAN ,PERIYAR EVR COLLEGE , TIRUCHIRAPPALLI Conceptual framework of ...chelliah paramasivan
This document provides a conceptual framework for women's empowerment through self-help groups (SHGs) based on prior research. It discusses how SHGs can empower women economically and socially. Several researchers are cited who found that SHGs increase income generation, asset accumulation, and social participation for women. However, some note SHGs may have less impact on the extremely poor and more formal education is needed to maximize their effects. Overall, SHGs are seen as having great potential to advance women's status and contribute to rural development, but require ongoing support.
International Journal of Business and Management Invention (IJBMI)inventionjournals
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
The Journal will bring together leading researchers, engineers and scientists in the domain of interest from around the world. Topics of interest for submission include, but are not limited to
The document discusses several studies on self-help groups (SHGs) in various contexts:
- Ekott George (2012) analyzed how the Central Bank of Nigeria introduced a "Self-Help Groups Linkage Programme" in 1991 to improve lending under an agricultural credit guarantee scheme by having groups save regularly and take loans from partner banks.
- Codd Helen (2011) explored the benefits of SHGs for women coping with a partner's imprisonment, drawing on perspectives from criminal justice, family theory, and gender studies.
- Krishnan Lata (2010) examined how SHGs in India helped empower underprivileged women economically and socially through microfinance and a sense of unity.
- Eliana La
Micro finance &women empowerment astudy of stree shakti programmes in bellary...Alexander Decker
This document summarizes a research paper on microfinance and women's empowerment through the Stree Shakti program in Bellary District, Karnataka, India. The paper aims to study the nature, evolution, and economic performance of self-help groups (SHGs) under the program. It provides background on women's empowerment efforts and the development of microfinance models in India. It also outlines the objectives and methodology of the research, which examines secondary data and the researcher's observations to analyze and make suggestions to improve the working of SHGs in the district.
Self- Help Groups, a model for Economic Growth in Nagalandpaperpublications3
Abstract: The Economic status of a nation or a state is largely associated by the presence of industries, companies and manufacturing units. The state of Nagaland though surprisingly devoid of the presence of such industries and companies has been making steady progress over the years in its economic status but at a slow phase. The introduction of the Self- help Group scheme in the state in 1999-2000 has been a blessing to the people in many respects. The present paper dwells on the immense contribution made by the SHGs towards the growth of the state’s economy. It brings out to light the role of SHGs in strengthening the economic position of the state, employment opportunities generated and the number of people seriously engaged in the SHGs. The paper attempts to examine the huge potentiality SHGs have in the absence of industries and companies by making a case study of three districts of Nagaland viz. Peren, Kohima and Dimapur districts. It also brings out the SHGs –Bank linkage programmes in the state. For this purpose the paper is divided into three sections. Section I deals with introductory remarks and outlines, the significance of self help groups for employment generation with the infusion of low capital. It also provided an input to analyse the data relating to self help groups from an all India perspective Vis a Vis to self help groups in north eastern states. Section II draws attention of the economic profile of the state and also focus on the sample size for the study emphasising on the impact of self help groups and their contribution to socio- economic development. Section III analyses the findings of the study and provides concluding remarks and suggestions.
Keywords: Bank-linkage, Economic empowerment, income generation, low capital, potentiality. Self help groups, sustainability.
This document discusses empowering women through self-help groups and the role of distance education. It begins by outlining the concept and models of self-help groups as instruments of economic empowerment. It then discusses the progress of the SHG bank linkage model in India, noting that over 717,000 SHGs have been linked to banks. The document concludes that while microfinancing through SHGs has empowered women economically, lack of education can be a barrier, and governments should link distance education opportunities to SHG membership to further empowerment.
Self help groups as a ‘livelihood development’ for rural women-experiences fr...Alexander Decker
This document discusses self-help groups (SHGs) as a tool for promoting rural women's livelihoods in India and Ghana. It notes that poverty disproportionately impacts women in developing countries like India and Ghana. SHGs aim to empower women economically, politically, and socially by providing access to credit, resources, and social support networks. The document reviews the operational strengths and weaknesses of SHGs in India and Ghana, and their impact on improving poor women's livelihood outcomes. It concludes that SHGs have significantly contributed to poverty reduction by enabling women's socioeconomic transformation and sustainable livelihood promotion.
C.PARAMASIVAN -CONCEPTUAL BACKGROUND OF WOMEN EMPOWERMENT THROUGH SHGchelliah paramasivan
This document discusses conceptual frameworks of women's empowerment through self-help groups (SHGs). It summarizes various researchers' conceptual frameworks on this topic. Key points discussed include how SHGs have empowered women economically and socially by providing credit, skills training, and leadership opportunities. SHGs are seen as having the potential to revolutionize rural development and women's status in society through increased income, asset accumulation, and changed social outlooks for members.
C.PARAMASIVAN ,PERIYAR EVR COLLEGE , TIRUCHIRAPPALLI Conceptual framework of ...chelliah paramasivan
This document provides a conceptual framework for women's empowerment through self-help groups (SHGs) based on prior research. It discusses how SHGs can empower women economically and socially. Several researchers are cited who found that SHGs increase income generation, asset accumulation, and social participation for women. However, some note SHGs may have less impact on the extremely poor and more formal education is needed to maximize their effects. Overall, SHGs are seen as having great potential to advance women's status and contribute to rural development, but require ongoing support.
International Journal of Business and Management Invention (IJBMI)inventionjournals
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
The Journal will bring together leading researchers, engineers and scientists in the domain of interest from around the world. Topics of interest for submission include, but are not limited to
The document discusses several studies on self-help groups (SHGs) in various contexts:
- Ekott George (2012) analyzed how the Central Bank of Nigeria introduced a "Self-Help Groups Linkage Programme" in 1991 to improve lending under an agricultural credit guarantee scheme by having groups save regularly and take loans from partner banks.
- Codd Helen (2011) explored the benefits of SHGs for women coping with a partner's imprisonment, drawing on perspectives from criminal justice, family theory, and gender studies.
- Krishnan Lata (2010) examined how SHGs in India helped empower underprivileged women economically and socially through microfinance and a sense of unity.
- Eliana La
Micro finance &women empowerment astudy of stree shakti programmes in bellary...Alexander Decker
This document summarizes a research paper on microfinance and women's empowerment through the Stree Shakti program in Bellary District, Karnataka, India. The paper aims to study the nature, evolution, and economic performance of self-help groups (SHGs) under the program. It provides background on women's empowerment efforts and the development of microfinance models in India. It also outlines the objectives and methodology of the research, which examines secondary data and the researcher's observations to analyze and make suggestions to improve the working of SHGs in the district.
Self- Help Groups, a model for Economic Growth in Nagalandpaperpublications3
Abstract: The Economic status of a nation or a state is largely associated by the presence of industries, companies and manufacturing units. The state of Nagaland though surprisingly devoid of the presence of such industries and companies has been making steady progress over the years in its economic status but at a slow phase. The introduction of the Self- help Group scheme in the state in 1999-2000 has been a blessing to the people in many respects. The present paper dwells on the immense contribution made by the SHGs towards the growth of the state’s economy. It brings out to light the role of SHGs in strengthening the economic position of the state, employment opportunities generated and the number of people seriously engaged in the SHGs. The paper attempts to examine the huge potentiality SHGs have in the absence of industries and companies by making a case study of three districts of Nagaland viz. Peren, Kohima and Dimapur districts. It also brings out the SHGs –Bank linkage programmes in the state. For this purpose the paper is divided into three sections. Section I deals with introductory remarks and outlines, the significance of self help groups for employment generation with the infusion of low capital. It also provided an input to analyse the data relating to self help groups from an all India perspective Vis a Vis to self help groups in north eastern states. Section II draws attention of the economic profile of the state and also focus on the sample size for the study emphasising on the impact of self help groups and their contribution to socio- economic development. Section III analyses the findings of the study and provides concluding remarks and suggestions.
Keywords: Bank-linkage, Economic empowerment, income generation, low capital, potentiality. Self help groups, sustainability.
This document discusses empowering women through self-help groups and the role of distance education. It begins by outlining the concept and models of self-help groups as instruments of economic empowerment. It then discusses the progress of the SHG bank linkage model in India, noting that over 717,000 SHGs have been linked to banks. The document concludes that while microfinancing through SHGs has empowered women economically, lack of education can be a barrier, and governments should link distance education opportunities to SHG membership to further empowerment.
Self help groups as a ‘livelihood development’ for rural women-experiences fr...Alexander Decker
This document discusses self-help groups (SHGs) as a tool for promoting rural women's livelihoods in India and Ghana. It notes that poverty disproportionately impacts women in developing countries like India and Ghana. SHGs aim to empower women economically, politically, and socially by providing access to credit, resources, and social support networks. The document reviews the operational strengths and weaknesses of SHGs in India and Ghana, and their impact on improving poor women's livelihood outcomes. It concludes that SHGs have significantly contributed to poverty reduction by enabling women's socioeconomic transformation and sustainable livelihood promotion.
Role of Self-Help Groups in Empowering Rural Women: A case study on selected ...iosrjce
Micro finance is emerging as a powerful tool for poverty alleviation in India. This approach has
recognition in India after the launch of SHGs and Bank linkage programme by NABARD in the year 1992.
According to United Nations, micro finance institutions are the basic provider of small savings, micro credit
and other basic financial services to poor and marginalised section like women. Despite substantial
contributions of women to both household and national economy, their contributions are not recognised in the
society. Rapid progress in SHGs and Bank linkage model has now turned into an empowerment movement
among women in the country. From various empirical studies, it is found that micro finance through SHGs and
Bank linkage model has enabled the members of SHGs to improve their socio-economic status. It also improves
family savings, decision making process, self confidence among women section of our society. Micro finance is
also necessary to overcome social exploitation and create confidence for self reliance among rural women and
poor section of our society. Apart from the informal financial institutions, the formal and semi formal sectors
also are taking much interest in providing micro finance to rural women in Assam. These financial institutions
not only provide small savings and micro credit to women but bringing them together in organised banking
sector. This paper highlights that micro finance through SHGs has a positive role in income, savings and
investment of women in Rani Block of Kamrup District of Assam
IMPACT ANALYSIS OF WELFARE SCHEMES OF WOMEN’S EMPOWERMENT: WITH REFERENCE TO ...IAEME Publication
Empowerment of women essentially mean improving the social, political and
economic status of women, especially the traditional underprivileged one. It means
creating an environment where women are free from any kind of physical, mental
abuse, exploitation, and prejudice that they are the most vulnerable section in the
society. Recognising the importance of women in the economic growth of the nation,
the Government of India along with State Governments has been taking several efforts
since post-independence period to uplift women from their conditions in general.
Attempts were made by the Government to address the issues through employment,
empowerment, labour force participation, education, gender equality and
entrepreneurship. The focus of Government is progressively shifting towards
promoting women entrepreneurship to motivate women to participate in the economic
activities. The study examines the perspective of women who are getting benefitted
through various government schemes implemented in assistance with nongovernmental organizations. The impact observed is in terms of such as - financial
assistance, training facilities, infrastructure and its awareness, motivation,
confidence, increase in the rate of women opting for entrepreneurship. Studies have
shown that such initiatives are boosting self-confidence, increasing the purchasing
power and decision making power, leading to their empowerment. It, therefore,
addresses the economic, socio-cultural, inter-personal, psychological, political and
legal domains of empowerment. The study has been conducted in three selected
village of Maharashtra. Data was collected from various NGO, Women entrepreneurs
and women beneficiaries associated with various Self-Help Group’s (SHG’s) in the
Kanave, Shahapur (Dist. Thane) and Vengaon, Karjat (Dist. Raigad) regions. The
Mixed method approach has been adopted for analysis of this research. Primary data
was collected from personal interviews with well-structured questionnaires and focus
group discussions in both the areas.
Role of cooperatives in rural development, the case of.j.sjbm.20150304.12kemal1983
For small land-holding, developing and agricultural based economic countries like Ethiopia, cooperative type of
business is recommended as a solution to promote income distribution, reduce poverty and vulnerability, and improve quality of life and social welfare.
Self Help Groups (SHGs) have been a successful scheme for empowering women in India by providing self-employment opportunities, entrepreneurial development, and economic independence that leads to greater control over decision making and a more equal status in society. SHGs serve as a source of inspiration and microcredit for rural women to start entrepreneurial activities. While microfinance programs aim to empower women through financial viability and opportunities, challenges remain such as low literacy, employment, crime, and political participation that SHGs and self-employment can help address.
Impact of Microcredit on Socio-Cultural Status of Members of Wshgs; A Study i...iosrjce
Odisha is a mineral rich state in India but the economy of the state mainly dependents on
agricultural. Majority of the population belongs to rural areas; therefore rural sector is the main source of
economic development and manpower in the state. The western part of the state is rich with industrialization
whereas the eastern part of the state is rich with highly futile lands. In eastern part one of the costal district is
Jagatsinghpur. Development of rural areas is essential for the enhancement of overall economy and for the
betterment of rural communities. The aim of the present study was to find the impact of microcredit on sociocultural
status of the WSHG members in rural areas of district Jagatsinghpur. The universe for the present
study was all WSHG of the said district. The Sample of 187 respondents was selected from the targeted
population using the simple random sampling technique. A survey was conducted to carry out the study in which
a close ended structured questionnaire. Both descriptive and inferential statistics were used to draw the results
from the study. Through descriptive analysis, the study clearly demonstrated that microcredit has played a
positive role in improving the socio cultural status of members of WSHGs. In this regard the study observed that
microcredit played the positive role in changing and improving the women empowerment in the state.
Impact of shg bank linkage programme on women shgs empowerment with reference...prjpublications
This document summarizes a study on the impact of India's Self Help Group Bank Linkage Program (SBLP) on women's self-help groups (SHGs) and empowerment. Some key findings:
- Between 2007-2012, the number of SHGs with bank savings increased 91.33% to over 79 million SHGs, while loans disbursed grew 151.65% to over $16.5 billion.
- Women-led SHGs dominated the program, comprising over 79% of all SHGs. Savings, loans disbursed, and loans outstanding for women SHGs all increased substantially between 2007-2012.
- The study found SBLP has been largely successful in
Economic Contribution of Women in Self Help Groups: Village Level Evidence fr...iosrjce
Women in Self Help Groups (SHGs) have made their mark in the rural economy in a quite nontraditional
way. This paper examines the economic contribution of SHG women drawing on a field survey
conducted in 20 villages by canvassing a structured schedule among 150 sample respondents of two blocks of
Balasore district in Odisha, India. The findings show that women in SHG’s have made a significantly positive
contribution to employment, income, expenditure and saving at the household level. An increase in the demand
for SHG products is required for improving productivity of women and enhancing their economic contribution
in a sustainable way. A reorientation in policy is suggested for generating awareness, upgrading skills and
expanding markets in order to augment their contribution and raise their empowerment level for the benefit of
the households as well as for transforming the rural economy in a big way.
Role of microfinance in promoting micro entrepreneurshipVijayakumar Kumar
This document discusses the role of microfinance in promoting micro-entrepreneurship in India. It begins by defining key terms like microenterprise and microfinance. Microenterprises are very small businesses, often with just one employee owner, while microfinance provides small loans and other financial services to the poor. The document then outlines the various models of microfinance that have been implemented in India, including self-help groups linked to banks. It argues that microenterprises are important for employment generation and poverty alleviation in rural areas. Access to microfinance can play a key role in meeting the credit needs of the rural poor to start micro-businesses.
Empowering rural women all the way through self help groupsiaemedu
This document summarizes a study on self-help groups (SHGs) and their role in economically empowering rural women in South Tamil Nadu, India. The study analyzed data from 134 women across 20 SHGs. It found that after joining SHGs, women's monthly incomes increased as did their household expenditures and savings. SHGs also effectively provided access to credit for rural economic activities. Most women repaid loans on time. The study concluded that SHGs in South Tamil Nadu have been very successful in promoting women's economic empowerment and development in rural areas.
Self help groups an empowerment model or financial model perceptions of stak...Alexander Decker
This document discusses self-help groups (SHGs) in India and whether they should be considered an empowerment model or a financial model. It provides background on the emergence of SHGs and how they have been promoted both for empowering women and providing alternative credit sources for the poor. The document reviews different perspectives on whether SHGs aim primarily for empowerment or financial intermediation. It discusses how different stakeholders may see SHGs differently depending on their agenda. The study aims to assess stakeholders' perceptions on whether SHGs are an empowerment model or financial model by collecting primary data from selected districts in Assam, India.
A conceptual study of social entrepreneurshipdeshwal852
This document summarizes a research article on social entrepreneurship. It defines social entrepreneurship as entrepreneurial activity with an embedded social purpose, focusing on addressing societal problems and creating social value rather than profit. The document discusses how social entrepreneurship differs from corporate social responsibility by existing to directly help those in need. It also examines some of the ethics around social entrepreneurship, how it can be practiced by for-profit organizations, and the importance of developing young social entrepreneurs to solve social issues.
Role of Self Help Groups in Rural Development-A Studyijtsrd
Rural development is a very dynamic process which includes in improving the socio-economic, political, environmental, and well-being of the poor people living in rural areas. In India more than 70 percent people living in rural areas, the concept of rural development assume great significance. The Molakalmuru taluk is one of the most backward taluk in Chitradurga district these areas have been facing so many problems like unemployment, poverty, lack of skills, illiteracy, and basic infrastructure health care common trend here. The present study is focused on the Socio-Economic status of Self-Help Group on rural development, and to study impact of Self-Help Group on rural development in Molakalmuru taluk. The present paper it is based on primary and secondary sources of information. Nagesha B | Ajeya G"Role of Self Help Groups in Rural Development-A Study" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-4 , June 2018, URL: http://www.ijtsrd.com/papers/ijtsrd14329.pdf http://www.ijtsrd.com/economics/development-economics/14329/role-of-self-help-groups-in-rural-development-a-study/nagesha-b
This document discusses social inclusion of rural dalit women in India and argues that economic well-being is a prerequisite for their social inclusion. It notes that while the Indian economy is growing, benefits are not reaching dalits, especially rural dalit women. Self-employment is seen as an opportunity for economic well-being, but rural dalit women face significant barriers - caste bias limits their business areas and access to resources, and gender bias subjects them to expectations around domestic roles. The document proposes that dalit women's organizations promoting entrepreneurship could help overcome these barriers by decentralizing production and collectively marketing products.
This document discusses community-based entrepreneurial activities. It defines community-based enterprises as entrepreneurial initiatives that enhance the quality of life and economic development of a particular region. The key characteristic is that assets belong to or are dedicated to the community, ensuring the enterprise is accountable to the community. Several studies are reviewed that examine how community-based entrepreneurship can empower marginalized groups and promote social upliftment by utilizing local cultural values and resources. However, challenges include a lack of community orientation in modern society and limited capacity. The document concludes that community entrepreneurship models may be appropriate for investing in essential infrastructure and services that require collaborative community efforts.
Role of self help groups in empowerment of women in maharashtraDr. Deepak Raverkar
Self-help groups (SHGs) were inspired by Muhammad Yunus in 1979 to empower rural poor through savings and credit groups. SHGs have played a key role in women's empowerment in India by providing microfinancing, increasing incomes, and allowing for greater participation in household and community decisions. The number of SHGs in India grew rapidly from 620 in 1993-94 to over 6.9 million in 2009-10, with over Rs. 14,000 crores loaned to groups. In Maharashtra, the number of SHGs increased from 379,607 in 2007-08 to over 827,047 in 2011-12, demonstrating their success in empowering women economically and socially. However, a major
14 a study on women empowerment through self help groups in indiachelliah paramasivan
This document discusses women empowerment through self-help groups (SHGs) in India. It provides background on the concept of women empowerment and defines it as a process of awareness and capacity building leading to greater participation and decision-making power. SHGs have emerged as an effective instrument for alleviating poverty and empowering women in rural India. They provide economic benefits like income generation opportunities and help women gain social empowerment by improving their status and decision-making role in society. The document examines how SHGs promote both economic and social empowerment of women members.
Corporate social responsibilty towards women empowerment in india 2prjpublications
This document discusses corporate social responsibility (CSR) and women's empowerment in India. It defines CSR as business practices that consider social and environmental impacts, and benefit customers, shareholders, and local communities. Women's empowerment is described as creating an environment where women can make independent decisions and achieve equality. The document then gives examples of CSR programs in India that aim to empower women, such as education initiatives, healthcare programs, and volunteer assistance. However, it notes that many such programs take a welfare approach rather than involving women as partners in their own development.
Corporate social responsibilty towards women empowerment in india 2prjpublications
This document discusses corporate social responsibility (CSR) and women's empowerment in India. It defines CSR as business practices that consider social and environmental impacts, and benefit customers, shareholders, and local communities. Women's empowerment is described as creating an environment where women can make independent decisions and achieve equality. The document then gives examples of CSR programs in India that aim to empower women, such as education initiatives, healthcare programs, and volunteer assistance. However, it notes that many such programs take a welfare approach rather than involving women as partners in their own development.
Self help group review of literature.pptxNagarajanG35
For a long period of time, governments played a significant role in implementing schemes and programs to eradicate poverty and develop women.Mohammed Yunus, the recipient of the Nobel Peace prize and the brainchild behind the concept of Micro finance. This chapter consists of literatures divided in to three main categories.
Self help groups an empowerment model or financial model perceptions of stak...Alexander Decker
This document discusses self-help groups (SHGs) in India and debates whether they should be considered an empowerment model or a financial model. It reviews literature that identifies SHGs as promoting both women's empowerment and acting as microfinance institutions. The document outlines indicators used to measure empowerment in previous studies and develops a framework of 40 indicators across various domains. It also discusses how SHGs can be viewed as financial intermediaries by facilitating access to credit for poor families. The main objective of the study is to assess stakeholders' perceptions on whether SHGs are best understood as an empowerment model or a financial model.
A Literature Review On Role Of Microfinance Institutions In Women EmpowermentJose Katab
1) The document reviews the role of microfinance institutions in women's empowerment through self-help groups. It discusses how microfinance provides financial resources to women, giving them economic freedom and independence.
2) Microfinance institutions are shown to empower women socially and economically by allowing them to participate in household decision making and gain more respect within their families and communities.
3) Several studies cited found that higher participation in self-help groups led to greater financial, social, and political empowerment for women members through skills development, employment opportunities, and increased confidence and decision making abilities.
This document presents a literature review on corporate social responsibility (CSR) practices of Indian companies. It discusses how CSR has traditionally been a voluntary activity in India but is now mandatory for large companies due to the Companies Act of 2013. The literature review analyzes several research papers that studied CSR activities and their impact in India. Key findings include that consumers have some knowledge of CSR but it varies, CSR can help companies operate sustainably and benefit stakeholders, and logistics companies can promote CSR through horizontal cooperation. The review suggests Indian companies need to further support society and that banks should get more involved in CSR through training employees. Overall, the review examines existing research on the evolving CSR landscape in India.
Role of Self-Help Groups in Empowering Rural Women: A case study on selected ...iosrjce
Micro finance is emerging as a powerful tool for poverty alleviation in India. This approach has
recognition in India after the launch of SHGs and Bank linkage programme by NABARD in the year 1992.
According to United Nations, micro finance institutions are the basic provider of small savings, micro credit
and other basic financial services to poor and marginalised section like women. Despite substantial
contributions of women to both household and national economy, their contributions are not recognised in the
society. Rapid progress in SHGs and Bank linkage model has now turned into an empowerment movement
among women in the country. From various empirical studies, it is found that micro finance through SHGs and
Bank linkage model has enabled the members of SHGs to improve their socio-economic status. It also improves
family savings, decision making process, self confidence among women section of our society. Micro finance is
also necessary to overcome social exploitation and create confidence for self reliance among rural women and
poor section of our society. Apart from the informal financial institutions, the formal and semi formal sectors
also are taking much interest in providing micro finance to rural women in Assam. These financial institutions
not only provide small savings and micro credit to women but bringing them together in organised banking
sector. This paper highlights that micro finance through SHGs has a positive role in income, savings and
investment of women in Rani Block of Kamrup District of Assam
IMPACT ANALYSIS OF WELFARE SCHEMES OF WOMEN’S EMPOWERMENT: WITH REFERENCE TO ...IAEME Publication
Empowerment of women essentially mean improving the social, political and
economic status of women, especially the traditional underprivileged one. It means
creating an environment where women are free from any kind of physical, mental
abuse, exploitation, and prejudice that they are the most vulnerable section in the
society. Recognising the importance of women in the economic growth of the nation,
the Government of India along with State Governments has been taking several efforts
since post-independence period to uplift women from their conditions in general.
Attempts were made by the Government to address the issues through employment,
empowerment, labour force participation, education, gender equality and
entrepreneurship. The focus of Government is progressively shifting towards
promoting women entrepreneurship to motivate women to participate in the economic
activities. The study examines the perspective of women who are getting benefitted
through various government schemes implemented in assistance with nongovernmental organizations. The impact observed is in terms of such as - financial
assistance, training facilities, infrastructure and its awareness, motivation,
confidence, increase in the rate of women opting for entrepreneurship. Studies have
shown that such initiatives are boosting self-confidence, increasing the purchasing
power and decision making power, leading to their empowerment. It, therefore,
addresses the economic, socio-cultural, inter-personal, psychological, political and
legal domains of empowerment. The study has been conducted in three selected
village of Maharashtra. Data was collected from various NGO, Women entrepreneurs
and women beneficiaries associated with various Self-Help Group’s (SHG’s) in the
Kanave, Shahapur (Dist. Thane) and Vengaon, Karjat (Dist. Raigad) regions. The
Mixed method approach has been adopted for analysis of this research. Primary data
was collected from personal interviews with well-structured questionnaires and focus
group discussions in both the areas.
Role of cooperatives in rural development, the case of.j.sjbm.20150304.12kemal1983
For small land-holding, developing and agricultural based economic countries like Ethiopia, cooperative type of
business is recommended as a solution to promote income distribution, reduce poverty and vulnerability, and improve quality of life and social welfare.
Self Help Groups (SHGs) have been a successful scheme for empowering women in India by providing self-employment opportunities, entrepreneurial development, and economic independence that leads to greater control over decision making and a more equal status in society. SHGs serve as a source of inspiration and microcredit for rural women to start entrepreneurial activities. While microfinance programs aim to empower women through financial viability and opportunities, challenges remain such as low literacy, employment, crime, and political participation that SHGs and self-employment can help address.
Impact of Microcredit on Socio-Cultural Status of Members of Wshgs; A Study i...iosrjce
Odisha is a mineral rich state in India but the economy of the state mainly dependents on
agricultural. Majority of the population belongs to rural areas; therefore rural sector is the main source of
economic development and manpower in the state. The western part of the state is rich with industrialization
whereas the eastern part of the state is rich with highly futile lands. In eastern part one of the costal district is
Jagatsinghpur. Development of rural areas is essential for the enhancement of overall economy and for the
betterment of rural communities. The aim of the present study was to find the impact of microcredit on sociocultural
status of the WSHG members in rural areas of district Jagatsinghpur. The universe for the present
study was all WSHG of the said district. The Sample of 187 respondents was selected from the targeted
population using the simple random sampling technique. A survey was conducted to carry out the study in which
a close ended structured questionnaire. Both descriptive and inferential statistics were used to draw the results
from the study. Through descriptive analysis, the study clearly demonstrated that microcredit has played a
positive role in improving the socio cultural status of members of WSHGs. In this regard the study observed that
microcredit played the positive role in changing and improving the women empowerment in the state.
Impact of shg bank linkage programme on women shgs empowerment with reference...prjpublications
This document summarizes a study on the impact of India's Self Help Group Bank Linkage Program (SBLP) on women's self-help groups (SHGs) and empowerment. Some key findings:
- Between 2007-2012, the number of SHGs with bank savings increased 91.33% to over 79 million SHGs, while loans disbursed grew 151.65% to over $16.5 billion.
- Women-led SHGs dominated the program, comprising over 79% of all SHGs. Savings, loans disbursed, and loans outstanding for women SHGs all increased substantially between 2007-2012.
- The study found SBLP has been largely successful in
Economic Contribution of Women in Self Help Groups: Village Level Evidence fr...iosrjce
Women in Self Help Groups (SHGs) have made their mark in the rural economy in a quite nontraditional
way. This paper examines the economic contribution of SHG women drawing on a field survey
conducted in 20 villages by canvassing a structured schedule among 150 sample respondents of two blocks of
Balasore district in Odisha, India. The findings show that women in SHG’s have made a significantly positive
contribution to employment, income, expenditure and saving at the household level. An increase in the demand
for SHG products is required for improving productivity of women and enhancing their economic contribution
in a sustainable way. A reorientation in policy is suggested for generating awareness, upgrading skills and
expanding markets in order to augment their contribution and raise their empowerment level for the benefit of
the households as well as for transforming the rural economy in a big way.
Role of microfinance in promoting micro entrepreneurshipVijayakumar Kumar
This document discusses the role of microfinance in promoting micro-entrepreneurship in India. It begins by defining key terms like microenterprise and microfinance. Microenterprises are very small businesses, often with just one employee owner, while microfinance provides small loans and other financial services to the poor. The document then outlines the various models of microfinance that have been implemented in India, including self-help groups linked to banks. It argues that microenterprises are important for employment generation and poverty alleviation in rural areas. Access to microfinance can play a key role in meeting the credit needs of the rural poor to start micro-businesses.
Empowering rural women all the way through self help groupsiaemedu
This document summarizes a study on self-help groups (SHGs) and their role in economically empowering rural women in South Tamil Nadu, India. The study analyzed data from 134 women across 20 SHGs. It found that after joining SHGs, women's monthly incomes increased as did their household expenditures and savings. SHGs also effectively provided access to credit for rural economic activities. Most women repaid loans on time. The study concluded that SHGs in South Tamil Nadu have been very successful in promoting women's economic empowerment and development in rural areas.
Self help groups an empowerment model or financial model perceptions of stak...Alexander Decker
This document discusses self-help groups (SHGs) in India and whether they should be considered an empowerment model or a financial model. It provides background on the emergence of SHGs and how they have been promoted both for empowering women and providing alternative credit sources for the poor. The document reviews different perspectives on whether SHGs aim primarily for empowerment or financial intermediation. It discusses how different stakeholders may see SHGs differently depending on their agenda. The study aims to assess stakeholders' perceptions on whether SHGs are an empowerment model or financial model by collecting primary data from selected districts in Assam, India.
A conceptual study of social entrepreneurshipdeshwal852
This document summarizes a research article on social entrepreneurship. It defines social entrepreneurship as entrepreneurial activity with an embedded social purpose, focusing on addressing societal problems and creating social value rather than profit. The document discusses how social entrepreneurship differs from corporate social responsibility by existing to directly help those in need. It also examines some of the ethics around social entrepreneurship, how it can be practiced by for-profit organizations, and the importance of developing young social entrepreneurs to solve social issues.
Role of Self Help Groups in Rural Development-A Studyijtsrd
Rural development is a very dynamic process which includes in improving the socio-economic, political, environmental, and well-being of the poor people living in rural areas. In India more than 70 percent people living in rural areas, the concept of rural development assume great significance. The Molakalmuru taluk is one of the most backward taluk in Chitradurga district these areas have been facing so many problems like unemployment, poverty, lack of skills, illiteracy, and basic infrastructure health care common trend here. The present study is focused on the Socio-Economic status of Self-Help Group on rural development, and to study impact of Self-Help Group on rural development in Molakalmuru taluk. The present paper it is based on primary and secondary sources of information. Nagesha B | Ajeya G"Role of Self Help Groups in Rural Development-A Study" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-4 , June 2018, URL: http://www.ijtsrd.com/papers/ijtsrd14329.pdf http://www.ijtsrd.com/economics/development-economics/14329/role-of-self-help-groups-in-rural-development-a-study/nagesha-b
This document discusses social inclusion of rural dalit women in India and argues that economic well-being is a prerequisite for their social inclusion. It notes that while the Indian economy is growing, benefits are not reaching dalits, especially rural dalit women. Self-employment is seen as an opportunity for economic well-being, but rural dalit women face significant barriers - caste bias limits their business areas and access to resources, and gender bias subjects them to expectations around domestic roles. The document proposes that dalit women's organizations promoting entrepreneurship could help overcome these barriers by decentralizing production and collectively marketing products.
This document discusses community-based entrepreneurial activities. It defines community-based enterprises as entrepreneurial initiatives that enhance the quality of life and economic development of a particular region. The key characteristic is that assets belong to or are dedicated to the community, ensuring the enterprise is accountable to the community. Several studies are reviewed that examine how community-based entrepreneurship can empower marginalized groups and promote social upliftment by utilizing local cultural values and resources. However, challenges include a lack of community orientation in modern society and limited capacity. The document concludes that community entrepreneurship models may be appropriate for investing in essential infrastructure and services that require collaborative community efforts.
Role of self help groups in empowerment of women in maharashtraDr. Deepak Raverkar
Self-help groups (SHGs) were inspired by Muhammad Yunus in 1979 to empower rural poor through savings and credit groups. SHGs have played a key role in women's empowerment in India by providing microfinancing, increasing incomes, and allowing for greater participation in household and community decisions. The number of SHGs in India grew rapidly from 620 in 1993-94 to over 6.9 million in 2009-10, with over Rs. 14,000 crores loaned to groups. In Maharashtra, the number of SHGs increased from 379,607 in 2007-08 to over 827,047 in 2011-12, demonstrating their success in empowering women economically and socially. However, a major
14 a study on women empowerment through self help groups in indiachelliah paramasivan
This document discusses women empowerment through self-help groups (SHGs) in India. It provides background on the concept of women empowerment and defines it as a process of awareness and capacity building leading to greater participation and decision-making power. SHGs have emerged as an effective instrument for alleviating poverty and empowering women in rural India. They provide economic benefits like income generation opportunities and help women gain social empowerment by improving their status and decision-making role in society. The document examines how SHGs promote both economic and social empowerment of women members.
Corporate social responsibilty towards women empowerment in india 2prjpublications
This document discusses corporate social responsibility (CSR) and women's empowerment in India. It defines CSR as business practices that consider social and environmental impacts, and benefit customers, shareholders, and local communities. Women's empowerment is described as creating an environment where women can make independent decisions and achieve equality. The document then gives examples of CSR programs in India that aim to empower women, such as education initiatives, healthcare programs, and volunteer assistance. However, it notes that many such programs take a welfare approach rather than involving women as partners in their own development.
Corporate social responsibilty towards women empowerment in india 2prjpublications
This document discusses corporate social responsibility (CSR) and women's empowerment in India. It defines CSR as business practices that consider social and environmental impacts, and benefit customers, shareholders, and local communities. Women's empowerment is described as creating an environment where women can make independent decisions and achieve equality. The document then gives examples of CSR programs in India that aim to empower women, such as education initiatives, healthcare programs, and volunteer assistance. However, it notes that many such programs take a welfare approach rather than involving women as partners in their own development.
Self help group review of literature.pptxNagarajanG35
For a long period of time, governments played a significant role in implementing schemes and programs to eradicate poverty and develop women.Mohammed Yunus, the recipient of the Nobel Peace prize and the brainchild behind the concept of Micro finance. This chapter consists of literatures divided in to three main categories.
Self help groups an empowerment model or financial model perceptions of stak...Alexander Decker
This document discusses self-help groups (SHGs) in India and debates whether they should be considered an empowerment model or a financial model. It reviews literature that identifies SHGs as promoting both women's empowerment and acting as microfinance institutions. The document outlines indicators used to measure empowerment in previous studies and develops a framework of 40 indicators across various domains. It also discusses how SHGs can be viewed as financial intermediaries by facilitating access to credit for poor families. The main objective of the study is to assess stakeholders' perceptions on whether SHGs are best understood as an empowerment model or a financial model.
A Literature Review On Role Of Microfinance Institutions In Women EmpowermentJose Katab
1) The document reviews the role of microfinance institutions in women's empowerment through self-help groups. It discusses how microfinance provides financial resources to women, giving them economic freedom and independence.
2) Microfinance institutions are shown to empower women socially and economically by allowing them to participate in household decision making and gain more respect within their families and communities.
3) Several studies cited found that higher participation in self-help groups led to greater financial, social, and political empowerment for women members through skills development, employment opportunities, and increased confidence and decision making abilities.
This document presents a literature review on corporate social responsibility (CSR) practices of Indian companies. It discusses how CSR has traditionally been a voluntary activity in India but is now mandatory for large companies due to the Companies Act of 2013. The literature review analyzes several research papers that studied CSR activities and their impact in India. Key findings include that consumers have some knowledge of CSR but it varies, CSR can help companies operate sustainably and benefit stakeholders, and logistics companies can promote CSR through horizontal cooperation. The review suggests Indian companies need to further support society and that banks should get more involved in CSR through training employees. Overall, the review examines existing research on the evolving CSR landscape in India.
A Multivariate Model of Micro Credit and Rural Women Entrepreneurship Develo...Dr. Nazrul Islam
In Bangladesh, micro credit programs have positive socioeconomic impact on the rural women borrowers. However, it is perceived that the micro credit programs help the rural women borrowers to survive only and do not help them to develop entrepreneurial capabilities. Hence, this paper aims at identifying the factors related to the development of entrepreneurship among the rural women borrowers through micro credit programs. A multivariate analysis technique like Factor Analysis was conducted to identify the entrepreneurship development related factors. Structural equation modeling was used to develop a model of micro credit program and the development of rural women entrepreneurship in Bangladesh. Results show that the financial management skills and the group identity of the women borrowers have significant relationship with the development of rural women entrepreneurship in Bangladesh. The experience from the parent’s family of the borrowers and the option limit may also lead to the rural women borrowers to be entrepreneurial.
Micro Credit and Rural Women Entrepreneurship Development in Bangladesh: A Mu...Dr. Nazrul Islam
Micro credit programs have positive socioeconomic impact on rural women borrowers of Bangladesh. But it is also opined by the different corners that the micro credit programs do not help the borrowers to develop entrepreneurial capabilities except surviving. Thus, this paper aims at identifying the factors related to the development of entrepreneurship among the rural women through micro credit programs of the micro credit providers. A multivariate analysis technique such as, Factor Analysis was conducted to identify the factors related to entrepreneurship development. Structural Equation Modeling (SEM) was used to identify the relationship between micro credit program and the development of rural women entrepreneurship in Bangladesh. Results show that the financial management skills are the most important factor that has significant relationship with the development of rural women entrepreneurship. Results also show that the group identities of the women borrowers have significant relationship with the rural entrepreneurship development in Bangladesh. Borrowers experience from the parents’ families and the limitation of option also lead to the development of entrepreneurship among the rural women borrowers of Bangladesh.
WOMEN SELF HELP GROUPS AND SUSTAINABILITY INDICES: A STUDY OF SUCCESSFUL SELF...IAEME Publication
This document summarizes a research study that analyzed various sustainability indices of successful self-help groups in Uruli Kanchan Village, Pune district, India. The study identified key indices that influence the sustainability of self-help groups, including leadership index, meeting index, record keeping index, conflict index, decision making index, goal clarity index, group climate index, and communication index. Statistical analysis of these indices for 50 self-help groups found that leadership index, meeting index, record keeping index, decision making index, and communication index aligned closely with ideal sustainability, while conflict index and group climate index showed some deviation. The study provides insight into factors that promote long-term sustainability of self-help groups.
Women Empowerment through SHGs in India and Andhra Pradeshpaperpublications3
Abstract: The self-help group is functioning very effective dimension role at creating rural livelihood at sustain, the savings and bank linkages are eliminating poverty and creating the effective social functions by participating women at village level committees as a member at each and every village level committees. The self help group members are very active part of an economical status, through Banks they are getting the loan, and loan amount is utilizing for purposeful fields and at their children education, economic activity. And it creates self-reliance, self-esteem, self-production, joint responsibility, self-determination by mobilizing internal indigenous resources of the person the group. In this paper attempt to women empowerment through SHGs in India and Andhra Pradesh.
Microfinance for Women Empowerment through SHGs A Reviewijtsrd
In India, the emergence of liberalization and globalization in early 1990’s aggravated the problem of women workers in unorganized sectors from bad to worse as most of the women who were engaged in various self employment activities have lost their livelihood. Despite in substantial contribution of women to both household and national economy, their work is considered just an extension of household domain and remains non monetized. In India, Microfinance scene is dominated by Self Help Group SHGs as an effective mechanism for providing financial services to the “Unreached Poor”, and also in strengthening their collective self help capacities leading to their empowerment. Rapid progress in SHG formation has now turned into an empowerment movement among women across the country. Micro finance is necessary to overcome exploitation, create confidence for economic self reliance of the rural poor, particularly among rural women. Although no -‘magic bullet’, they are potentially a very significant contribution to gender equality and womens empowerment. Through their contribution to women’s ability to earn an income, these programmes have potential to initiate a series of -‘virtuous spirals’ of economic empowerment, and wider social and political empowerment. The results from these self help groups SHGs are promising and have become a focus of intense examination as it is proving to be an effective method of poverty reduction and economic empowerment. Mainly on the basis of secondary data analysis, this paper attempts to highlight the role of Microfinance and SHGs in the empowerment of women in India. Dr. Rajendra Prasad G R "Microfinance for Women Empowerment through SHGs - A Review" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-6 | Issue-6 , October 2022, URL: https://www.ijtsrd.com/papers/ijtsrd52110.pdf Paper URL: https://www.ijtsrd.com/management/general-management/52110/microfinance-for-women-empowerment-through-shgs--a-review/dr-rajendra-prasad-g-r
“Emergence and Activities of Self-Help Group (SHG)-A Great Effort and Impleme...iosrjce
The budding social consciousness from corner to corner of the globe has brought a number of issues
to the fore among which gender impartiality and empowerment of women are very noteworthy. Discrimination
against women in the form of male-female segregation reflects the core of the gender-biased structure. The
education is the biggest therapeutic power and the rise in the levels of education which nourishes progressive
stance and the beginning of industrialization and modernization have effected a sea change in the attitudes and
thinking prototype of the citizens. The empowerment is not fundamentally political single-handedly in fact;
political empowerment will not be successful in the deficiency of economic, socio-cultural and environmental
empowerment. Women empowerment is a progression in which women confront the presented norms and
culture, to efficiently encourage their well being. The involvement of women in Self Help Groups (SHGs) made a
momentous impact on their empowerment both in social and economical aspects. This study addresses women
empowerment as well as rural development through self help groups of Khejuri CD Blocks in Purba Medinipur
district of West Bengal. The information requisite for the study has been collected from both the primary and
secondary sources. A multistage random sampling method has been followed. Average and percentage analysis
was accepted out to draw significant interpretation of the results. Factor analysis was used to measure the
relationship between the observed variables. The outcome of the study revealed that the SHGs have had greater
impact on both economic and social aspects of the beneficiaries.
The role of social entrepre neurial organizations in promotion of sustainable...Ambati Nageswara Rao
This document discusses the role of social entrepreneurial organizations in promoting sustainable development. It begins with defining key concepts like social entrepreneurship and sustainable development. It then reviews literature on the emergence of social entrepreneurship and how organizations address issues like market failures, government limitations, and resource constraints. The literature highlights how social entrepreneurs use innovative strategies to generate income and create social value. The document discusses frameworks for categorizing the needs social entrepreneurs can address, like satisfying basic human needs, creating collaborative communities, and addressing needs of future generations. It explores how social entrepreneurial activities can target individuals, communities and future generations to contribute to sustainable development.
The role of social entrepre neurial organizations in promotion of sustainable...Ambati Nageswara Rao
This document summarizes a research paper about the role of social entrepreneurial organizations in promoting sustainable development. The paper explores how social entrepreneurs use social innovations to empower excluded communities and enhance their participation in markets and society. Three case studies of social enterprises in Gujarat, India are presented: Torch-it, which created a device to help the visually impaired navigate independently; Shroff foundation, which works in the education sector; and Menstrupedia, which educates girls about menstruation. The studies found that the social enterprises helped bring sustainable development by providing new services and products for underserved groups, challenging rigid social structures. The social innovations adopted by these organizations thus contribute to achieving the goals of social and economic inclusion
IMPACT OF MICRO FINANCE THROUGH SELF HELP GROUPS IN PUDUKOTTAI DISTRICTIAEME Publication
Micro finance programmes targeting women empowerment have been a welcome initiative. It is recognized and accepted as one of the new development paradigms for alleviating poverty through social and economic empowerment of poor, with special emphasis on empowering women. Providing micro credit to rural women through an organized setup will make them enterprising. SHGs are a viable organized set up to disburse micro credits to rural women for the purpose of encouraging them to enter into entrepreneurial activities.
- The document discusses economic empowerment of women through self-help groups (SHGs) in Kolli Hills, Tamil Nadu. It analyzes profiles of tribal women respondents and their participation and awareness of SHG functions.
- The study found that most respondents were between 36-45 years old, had primary education, were married, lived in nuclear families with less than 4 members. Experience in SHGs and leadership positions were associated with higher socioeconomic status.
- Awareness of SHG activities was also linked to greater socioeconomic empowerment. The study concludes that while SHGs can empower tribal women, more work is needed to systematically involve all tribal women in Kolli Hills through SHGs.
Economic empowerment of women through shg in kolli hillsRAVICHANDIRANG
Empowerment, as a social process has challenged the fundamental imbalances of power distribution and relations. It was redistribution of power within and between families, society’s process aiming at social equality which could be achieved through disempowering some structures, systems and institutions. Social empowerment has promoted sustainable rural structure for dissemination of knowledge about health, nutrition, literacy, education, freedom and opportunities for realizing women’s potentialities and adoption of new
agricultural practices. The present paper discussed about the profile of the respondents, Participat ion of Women in SHG functions and awareness towards SHGs.
This document discusses social entrepreneurship and social enterprises. It defines social entrepreneurship as innovative, social value creating activity that occurs across non-profit, business or government sectors. Social enterprises use business methods to achieve social objectives. The document outlines that social enterprises address social problems through more effective and sustainable solutions than existing approaches. It provides examples of social enterprises in India, the domains they work in such as agriculture, education, healthcare, and the organizations that support and promote social enterprises in India.
Similar to Conceptual framework of women empowerment through shg (20)
A STUDY ON DEPLOYMENT OF ATMs OF COMMERCIAL BANKS IN INDIARAVICHANDIRANG
India is one of the well organised banking system consist country in the world with effective regulated authorities and connected with more than 80 crore people. The Indian banking system comprises of 12 public sector banks, 22 private sector banks, 46 foreign banks, 56 regional rural banks, 1485 urban cooperative banks and 96,000 rural cooperative banks in addition to cooperative credit institutions As of November 2020, the total number of ATMs in India increased to 209,282. Even now this number has increased due to changing purchase behaviour of the people in the country. Indian banking industry has recently observed the roll out of innovative banking models like payments and small finance banks. RBI’s new measures may go a long way in helping the restructuring of the domestic banking industry. With the help of information and communication technology, digital banking becomes a powerful part in the financial services and products. The digital payments system in India has progressed the most among 25 countries with India’s Immediate Payment Service being the only system at level five in the Faster Payments Innovation Index.In this aspect this study made an attempt to understand the deployment of ATMs of commercial banks in India.
OWNERSHIP STRUCTURE OF COMMERCIAL BANKS IN INDIARAVICHANDIRANG
Banks are the major institutions in any country not only for the economic development but also for social development with respect to meeting basic infrastructure in the country. The Banking system of a country is an important pillar holding up the financial system of the country’s economy. The major role of banks in a financial system is the mobilization of deposits and disbursement of credit to various sectors of the economy. Commercial banks in India are the backbone of all major economic activities in the country, whether it is for the citizens to keep their hard-earned money safely or get loans whenever they need funds for important things like a home, wedding, a car or for business. Therefore, there is a need of understanding banking system and its ownership status.
India is world largest population particularly youth population are consist of 2011 census
report. Youth can make or mar society, which one of the country here on a healthy youth population
on that country has developed for the entire sector. Youth can be promoting social economic
development, and sustainable growth in India, youth in India situation and offers a roadmap for
programmes and priorities that aim to address youth needs it highlights that in order to fully meet
the needs of youth in a rapidly globalizing world and enable to country to reap the benefits of the
demographic dividend.
Insurance is one of the emerging concepts in the recent period which involves huge investments in
Socio economic developments. The term "Micro insurance" first appeared as a new financial
service within microfinance and then developed into a sector of its own. Hence this paper discusses
the concepts of micro insurance in general.
MICRO INSURANCE PORTFOLIO OF PUBLIC AND PRIVATE SECTOR INSURANCE COMPANIESRAVICHANDIRANG
Insurance is one of the emerging and growing sectors in India. The micro-insurance portfolio has made steady progress. More life insurers have commenced their micro-insurance operations and many new products are being introduced every year. Micro-insurance business was procured largely under the group portfolio. Life Insurance Corporation of India contributed the most both in terms of policies sold and number of micro-insurance agents. Insurance companies are now offering already approved products as micro-insurance products with the approval of the authority, if the sum assured for the product is within the range prescribed for micro-insurance. With this aspect the present paper made an attempt to discuss about micro insurance portfolio of individual as well as group by public and private sectors insurance companies.
AN OVERVIEW OF MICRO INSURANCE INDUSTRIES IN INDIARAVICHANDIRANG
Micro insurance is one of the unique and important segments of
insurance which provides financial assistance to the poor people in the
country. Reaching the micro insurance to all is also a part of financial
inclusion. The IRDA on 30th November 2005 regulation act micro
insurance products was implemented in India. The salient feature of
the life insurance, Health insurance, Crop insurance, Lives stock
insurance or cattle insurance and Asset insurance is product offer to
low income people. According to IRDA the term micro insurance
comprises two words “Micro” which means “Affordable to the poor”
and Insurance means “Risk Pooling to compensate to individual and
group”. Micro insurance is a key element in the financial services
package for mass people, particularly for economically weaker section of
people. The poor people face more risks than the well off, but more
importantly they are more vulnerable to the same risk. With this view
the present paper tries to discuss the distribution of micro insurance in
India.
A STUDY ON STUDENTS SATISFACTION TOWARDS EDUCATIONAL LOAN FROM CANARA BANK WI...RAVICHANDIRANG
Education is important to people of all ages and it has no limit. Children require education in order for them to learn how to speak and to write. Both on personal and national levels, education has been shown to increase economic growth and stability. One of the most important benefits of education is how it improves personal lives and helps societies run smoothly. The study has attempts to find out the satisfaction level of the students in Gurusamipalayam, Rasipuram (Tk) who have intention to avail the educational loan offered by Canara bank. This study found that to understanding the satisfaction level of students in availing the educational loan from Canara bank. Valuable suggestions and recommendations offered by the researcher. If it is strongly implemented by the Canara bank as well as government, the educational status of the higher education students will improve without fail and also increases educational status of the students in the study area.
FINANCIAL ASSISTANCE TO DIFFERENTLY ABLED PERSON FOR SELF EMPLOYMENT ACTIVITIESRAVICHANDIRANG
Self employment well create income generation and to meet the livelihood expenditure. Differently abled persons are very rare in self employment activities, which is a micro level. Most of the differently abled persons are unable to involve in employment activities owing that lack of financial assistance and awareness. Therefore there is a need of creating awareness about the financial assistance available to them and how to obtain it. The present paper made an attempt to discuss financial assistance to differently abled persons for self employment activities.
Direct Benefit Transfer- An Innovative approach to Financial Inclusion in IndiaRAVICHANDIRANG
This document discusses direct benefit transfer (DBT) as an innovative approach to financial inclusion in India. It analyzes DBT's role in reducing intermediaries between the government and beneficiaries of various social programs. Key findings include:
1) DBT has been implemented in 433 central government schemes across 46 ministries as of November 2018, transferring over Rs. 83,000 crore to beneficiaries.
2) Major DBT schemes include PAHAL for LPG subsidies, MGNREGA, the National Social Assistance Program, and student scholarships.
3) Aadhaar identification and bank account penetration have been crucial for expanding DBT's reach, along with efforts to increase financial literacy.
CONCEPTUAL ANALYSIS ON COMMUNITY-BASED ENTREPRENEURIAL ACTIVITIESRAVICHANDIRANG
Entrepreneurial activities are the backbone to the industrial and socio-economic development of the country which concentrates to promote employment, productivity and flow of capital from one hand to another. Community-based entrepreneurial activities are the indigenous business model in the country which resulted that each community or caste has a unique entrepreneurial talent which shows their convention and commitment in a particular employment activity. With this aspects, community based entrepreneurial activities are the best model to explore their conventional entrepreneurial competence in to a sustainable livelihood.
DEMOGRAPHIC STATUS OF DISABLED PERSONS IN INDIARAVICHANDIRANG
Demographic status of marginalised people like disabled persons, socially weaker section,
minorities, transgender and socially excluded people is one of the important aspects which
would help to understand the social justice of the country. Disabled people are likely to face
specific barriers to entering and sustaining entrepreneurship in addition to the general barriers,
each of which requires a specific policy response. Some of these barriers, arguably, are very
deep-rooted social-structural constraints imposing severe limits on life chances for certain
groups of disabled people. This paper has made an attempt to explore the demographic status
of disabled person in India.
Technopreneurship and Development of IT and ITeS Industry in IndiaRAVICHANDIRANG
Primarily, among numerous sectors of
the economy IT and ITeS industry is one whose
service is required for the rapid growth of the
economy and primarily the information technology
and information technology enables services sector
has covered the in-house development of the
nations’ infrastructure. In general, IT and ITeS
handles most of the official and unofficial
information. There is a lightning growth of Indian
software industry with the participation of global
corporate dominators for the past two decades.
Indian IT sector has contributed most in the
production and export of the software based
applications to all over the universe. This paper
highlights the growth and performance of IT and
ITeS and also examined the contribution and
development of IT and ITeS in Indian industry.
Technopreneurship Education: Teach and Train the YouthsRAVICHANDIRANG
Most of the developing countries like Singapore, Malaysia, Iran, Philippines have already implemented (and
having successful schedules) the technical education to the graduated students and youth of their nation. But,
India is still lack in this process and now the new government initiated some steps to build a strong technical
education to the young generations of our native. This study has formulated and framed to find the institutions
which are ready to teach and train the youths and seed the intention to become a technical oriented entrepreneur.
This paper attempts to point out the teaching and training of technical entrepreneurship in theoretical aspects.
A study on growth and performance of Indian agro based exportsRAVICHANDIRANG
Agriculture is the primary occupation and the major economic factor of India. It provides more number of employment opportunities and business strategies to the society. Mostly, peoples from India are concerning with agriculture sector directly and indirectly. Not only agricultural industries, agro based industries are also generating agro products and also it creates more employment opportunities to the peoples like farmers, agricultural workers, industrial workers, wholesalers, retailers exporters and others. Exports have played an important role in India’s economic growth in the post independent period. The contribution of food based agro products and allied products to total exports have been increased gradually to make a concrete share to the GDP of the nation. India needs to produce its commodities more competitive at the global level. This paper is analyzing the status of agro based food products and its exports performance over the years by India.
Performance of agro based industries in IndiaRAVICHANDIRANG
Industrial development not only depens on innovation and capital outflow in a country, but also it needs availability of raw materials and adequate physical infrastructural facilities. Agriculture is one of the major raw material providing sector for major industries like paper, sugar, textile, fertilizers, chemical, edible oil, etc., Agro-based industries can play an important role to a large extent in solving the problem of poverty, unemployment and inequality in India and can significantly contribute to the overall development of the economy by efficiently utilizing the local raw materials which consequently may result in increase of gainful employment opportunities to poor people mainly landless, marginal and small farmers. This paper discuss in the performance of agro based industries in India.
Youth entrepreneurship through needs in tamil naduRAVICHANDIRANG
Entrepreneurship is one of the emerging aspect and boosting socio and economic
development of the country, entrepreneurship is a tool of key for the developing country. India
is the highly youth populated and properly utilized. Youth is one the virtual source which are
largely emerging in the Indian state of Tamil Nadu, youth are taking risk in order to develop
and also to be succeed in business. Tamil Nadu is leading to promote the entrepreneurship for
the finance assistance for DIC, and various finance assistance particularly NEEDS scheme,
this scheme has been including for two categories that one is especially allot for youth because
this scheme main objectives to promote the youth for themselves and they are creating able to
availability on local sources to start up the new business environment and culture. The present
paper made an attempt to discuss the promotion of youth entrepreneurship through NEEDS in
Tamil Nadu.
Conceptual analysis of youth entrepreneurshipRAVICHANDIRANG
Entrepreneurship is one of the emerging aspect of India, entrepreneurship has help to
promote the economic development and enlargement of the country, now the day youth is big
target for every one country because youth is a moral power and sustainable growth so that
youth is necessary need for the entrepreneurship. Now entrepreneurship to promote the educated
youth in urban and semi urban India hence, it must be appropriately motivated to accomplish
the maximum result in the economic development. India is highly population country youth
amounted for this country in 22.1% of total population in India, so that the government has
been motivate to youth towards entrepreneurship awareness on particularly schemes and policy
related and most of educational towards youth. This paper made an attempt to explore the
conceptual background of youth entrepreneurs on the basis of earlier research.
Udyog aadhaar made easy for industry registrationRAVICHANDIRANG
Industry Registration is any essential to measure the economic growth of the country. In
various periods, government has been taken lot of efforts to streamline and regulate the industry
registration. Udyog Aadhaar registration is a easily approach system in this system had flourish on
entrepreneurship life in India even though which one of consist on our strength that on consist for our
weakness in this fact absolute true, because this aim of rural area develop for industrialism for that on
what impact, that impact on non entrepreneurial awareness people has on start up the business on
future on no more than on industrial field. The present paper is mainly focus on understanding the
concepts of Udyog Aadhaar in India.
WOMEN EMPOWERMENT AND ENTREPRENEURSHIP THROUGH TAHDCO IN TIRUCHIRAPPALLI DIST...RAVICHANDIRANG
Tamil Nadu Adi Dravidar Housing and Development Corporation Limited (TAHDCO)
was incorporated in 1974 under the Companies Act, 1956. The Government of Tamil Nadu
and the Government of India contribute to the Share Capital of the Corporation for the
development of Adi Dravidar people. The main objective of this corporation is implemented
economic development schemes for income generation and provided skill development training
to people in scheduled caste and scheduled tribes in state. TAHDCO is providing subsidy for
entrepreneurship development through various schemes. It also takes steps to uplift the
Scheduled Caste and Scheduled Tribes women. Financial assistance for income generating
programme is one of the measure for economic empowerment of women as group. This study
analyses the financial assistance which is given through various schemes in TAHDCO to
women entrepreneurs in Tiruchirappalli, Tamil Nadu.
Institutional assistance for women entrepreneurship in tamilnaduRAVICHANDIRANG
Promotion of women entrepreneurship in India is being undertaken by various national
institutions. These institutions focus primarily on counseling, training, handholding, giving
guidance on finance, organizing exhibitions, and peer group support and also offering services
such as research, consultancy, information, and mentoring for promotion of entrepreneurial
culture in the country. Because of this institutional support we are seeing greater interest in
the entrepreneurial ambitions of women, and these key actors are collaborating to open doors,
increase access, and both empower and enable women to succeed. The present paper is focused
on various institutions to promote women entrepreneurship.
Leveraging Generative AI to Drive Nonprofit InnovationTechSoup
In this webinar, participants learned how to utilize Generative AI to streamline operations and elevate member engagement. Amazon Web Service experts provided a customer specific use cases and dived into low/no-code tools that are quick and easy to deploy through Amazon Web Service (AWS.)
Beyond Degrees - Empowering the Workforce in the Context of Skills-First.pptxEduSkills OECD
Iván Bornacelly, Policy Analyst at the OECD Centre for Skills, OECD, presents at the webinar 'Tackling job market gaps with a skills-first approach' on 12 June 2024
A Visual Guide to 1 Samuel | A Tale of Two HeartsSteve Thomason
These slides walk through the story of 1 Samuel. Samuel is the last judge of Israel. The people reject God and want a king. Saul is anointed as the first king, but he is not a good king. David, the shepherd boy is anointed and Saul is envious of him. David shows honor while Saul continues to self destruct.
How to Setup Warehouse & Location in Odoo 17 InventoryCeline George
In this slide, we'll explore how to set up warehouses and locations in Odoo 17 Inventory. This will help us manage our stock effectively, track inventory levels, and streamline warehouse operations.
Walmart Business+ and Spark Good for Nonprofits.pdfTechSoup
"Learn about all the ways Walmart supports nonprofit organizations.
You will hear from Liz Willett, the Head of Nonprofits, and hear about what Walmart is doing to help nonprofits, including Walmart Business and Spark Good. Walmart Business+ is a new offer for nonprofits that offers discounts and also streamlines nonprofits order and expense tracking, saving time and money.
The webinar may also give some examples on how nonprofits can best leverage Walmart Business+.
The event will cover the following::
Walmart Business + (https://business.walmart.com/plus) is a new shopping experience for nonprofits, schools, and local business customers that connects an exclusive online shopping experience to stores. Benefits include free delivery and shipping, a 'Spend Analytics” feature, special discounts, deals and tax-exempt shopping.
Special TechSoup offer for a free 180 days membership, and up to $150 in discounts on eligible orders.
Spark Good (walmart.com/sparkgood) is a charitable platform that enables nonprofits to receive donations directly from customers and associates.
Answers about how you can do more with Walmart!"
This presentation was provided by Rebecca Benner, Ph.D., of the American Society of Anesthesiologists, for the second session of NISO's 2024 Training Series "DEIA in the Scholarly Landscape." Session Two: 'Expanding Pathways to Publishing Careers,' was held June 13, 2024.
RHEOLOGY Physical pharmaceutics-II notes for B.pharm 4th sem students
Conceptual framework of women empowerment through shg
1. SELP Journal of Social Science July -September 2013
Vol . IV : Issue. 17 ISSN:0975-9999
28
CONCEPTUAL FRAMEWORK OF WOMEN EMPOWERMENT THROUGH SHG
Dr.C.Paramasivan,
Assistant Professor of Commerce
Periyar EVRCollege, Tiruchirappalli, Tamilnadu
ABSTRACT
Empowerment of women in the third world countries is important because the benefits will be
felt not only by the women themselves, but by their households as well. It may take a more
enlightened approach to ensure the empowerment of women in developing countries, but the returns
to their families and even the societies as a whole will be worth it. The conceptual development
of the subject matter of research shall be arranged in a chronological order. This Paper highlighted
the Conceptual framework which was earlerly undertaken by various researchers.
Key words: Empowerment, welfare programme, social systems,SHG
Introduction
Empowerment becomes a popular word
which dominates the overall growth and
development of any developing society. Since
Independence India has been changing in all
fields including social systems but still a
group of people still struggle to acquire equal
rights in the society. All the so-called changes
in the developing economy has not touched
the major part of their lives as the social
welfare programmes have not trickled down
to certain parts of the society.
It does not mean that the policy makers and
the government have not drawn any welfare
schemes but the schemes and programmes have
not reached in whole for whom it was designed
and hence it has lost its vigor and charm thus
not bringing any benefits to the society for
which it was planned and women sector is the
most affected population of that society.
Empowerment of women for social
development is a more complex process that
it appeared to be. It is now recognized that
empowerment involves advancement in
several important and related spheres to
ensure the overall well-being of the
empowered. The Benefits derived from the
empowerment programmes must not only be
relevant to the needs of the intended
beneficiaries, but efforts must be made to
ensure that the target population is also able
to retain the benefits. This is particularly
significant for women.
Murlidhar A. Lokhande (2009) said that,
micro finance programme has a significant
role to play in Indian economy for booting
micro entrepreneurial activities for creating
productive assets coupled with employment
generation. So, in order to cover all the poor
households, particularly BPL households,
Available online at www.selptrust.org
SELP Journal of Social Science
ISSN : 0975-9999
Vol IV : Issue. 17
July - Septemper 2013
2. SELP Journal of Social Science July -September 2013
Vol . IV : Issue. 17 ISSN:0975-9999
29
there is need for providing full support by the
government, financial institutions and NGOs
to SHGs programme. So far the SHGs bank
linkage programme has been much successful
in achieving quantitative targets. The need of
the hour is to make the programme more
quantitative, that is, enriching the lives of
poorest of the poor in the context of
globalised socio – economic environment
political interference in the functioning if self
– help groups should be avoided.
Mohantry B.K. (2009) observed that, rural
India is first emerging as a prospect for the
bankers. This had become possible because
banks have taken the extra step in
rediscovering their customers. They have
stepped out from their narrow confines of
their branches to nature SHGs, which
ultimately give the feed back to the survival
and growth of banking business. This is a
good opportunity of the public sector banks
to boost the SHG movement to enable the
villages to absorb the benefits of
globalization.
Jitendra Ahirrao (2009) Explained that, the
SGHs of rural women consists of members
who are the poor, having low saving capacity
and who depend on money lenders for
meeting their consumption needs and social
obligations. Formation of women into self
help groups paved a way to develop their
economic standards, thereby building self
confidence. Women in SHGs have been
encouraged by the government as well as
NGOs to undertake self employment ventures
with locally available resources.
Muthalagu.K. (2008) noted that, what my
conclusion is that there is no doubt that status
of women in India is developing over the
period of time though there are many
incidence of crimes against women have been
reported now and then. Hence, transforming
the prevailing social discrimination against
women must become the top priority in our
policy and it must happen concurrently with
increased direct action to rapidly improve the
social and economic status of women is India.
Raghuvansh Prasad Singh (2008) said
that, the meeting at length discussed the role/
functions of federations in sustainability of
SHGs, the future structure and legal status
of the federations, how to ensure the
autonomous functioning of federation ;
sources of financial sustainability of
federations including founds required for
capacity building and management of
federations; accountability, transparency;
should federations be involved in financial
intermediation; type of common grading
system for federations; role of NGOs and
collaborating agencies and NGOs
federations; relations with panchayat raj
institutions (PRIs) at different levels,
Government role and support to the
federations and institutional mechanism for
evaluation of federations.
Tangirala.H.S.K. (2008) Explained that,
for the purpose of economic development, the
co-operatives have to form the SHGs with the
help of the members, increase their
competencies and capabilities. The support,
advice and coaching is required from the co-
operatives through formal or informal
network, to the SHGs to get the business from
all the local people. The activities might be
deposit mobilization, recovery management
is case of credit co-operatives, procurement
and sale activities in case of manufacture –
based co–operatives. However, even the
related diversifications of the activities are
justified, provided the needs of the members
fulfilled and the ultimate goal of poverty
3. SELP Journal of Social Science July -September 2013
Vol . IV : Issue. 17 ISSN:0975-9999
30
alleviation take place.
Amarjeet kour (2008) reveals that, it is
deducted from the present research that the
scheme of SHGs has not played a significant
role in rural development in this particulars
research area. However it is generalized that,
effective, functioning and implementation of
SHGs can lead to social change, mobilization
and involvement of people and thus, to the
over all development. This scheme in the
present research has problem at the
implementation level. There would be a
different situation if the local people were
properly motivated and informed and
implemented whole heartely by the
implementing agency.
Ramachandran.T. and Balakrishnan.S
(2008) noted that, SHGs have the power to
create a socio – economic revolution in the
rural areas of our country. SHGs have not only
produced tangible assets and improved living
conditions of the members. But also, helped
in changing much of their social outlook and
activities. In the study area SHGs have served
the cause of women empowerment, social
solidarity and socio – economic betterment
of the poor.
Sivachithappa.K (2008) said that, A
number of important results have emerged out
of the study. These results are in contrast to
the findings of a number of earlier studies.
Some of the disagreements of this study with
the earlier studies are: the income impact of
the extreme poor is lower, the poorest
borrowers may tend to have lower levels of
asset accumulation, borrowers taking more
number of loans generate more income, larger
organizations have larger out reach and
formal schooling is an essential critical
criterion for exerting better effect of SHGs
on income generation.
Shyedra.H.S. (2008) noted that, there is a
massive mobilization of women taking place
as a result of the SHG movement. The growth
of SHGs incidentally has occurred during the
economic reforms periods. The SHG
movement has a good potential to serve both
as a human face of the economic reforms as
well as contribute towards women’s
emancipation. There is a major onus on all
actors involved in SHGs promotion and
development to further intensity their efforts
in enabling SHGs to reach a mature stage.
We need a major investment in capacity
building of SHGs and proactive policies to
help overcome the constraints faced by SHGs
to integrate them fully into the development
programmer aimed at women’s
empowerment.
Khullar.K.K (2007) observed that, the
greatest achievement of the mahila samakhaya
is to create an awareness of the need to struggle
for a gender just society where women can lead
a life of dignity, for a gender just society where
reliant India by 2010. It has increased women’s
recognition and visibility both within the
family and community.
Pargunan.M. (2007) explained that, the
strategies above would really empower
women and bring them into the mainstream
development. If employment, income and
social security were improved, women would
automatically stronger which will lead them
to become powerful in contributing to social
and economic development of India.
Snehalata panda (2007) noted that, women
members have played a key role in the gram
sabha decision making in matters relating to
use of forest, community land, irrigation,
marketing of local products and construction
of roads and design of work for the newly
implemented employment guarantee etc.,
4. SELP Journal of Social Science July -September 2013
Vol . IV : Issue. 17 ISSN:0975-9999
31
Santosh gupta (2003) noted that, the
personality of a celebrity plays an important part
in a successful endorsement. The companies
must have deep pockets to be able to afford the
best available celebrities. Recently a report
showed how co firms had gone beyond their
advertising budgets to get the best celebrities.
But the company should see whether it suits
their products & the sales results.
Suneetha. R (2007) said that, the
empowerment of women become necessary
as they are almost fifty percent of the
population and are being discriminated at all
fronts. Women play a vital role in the social
and economic transformation of a country.
Kala G.S. (2004) said that, “Economic
empowerment of women through SHGs”,
highlights mahalial thittam which is being
implement in erode district since 01.05.1998
to promote self help groups over a project
period of five years in rural areas the self help
groups are not only engaged in saving internal
lending activities but also function as
important on health and nutrition. Literacy
education, adoption of new agricultural
practices farm and non farm sector economic
activities and help to prepare women to take
up leadership position. Till the end of may
2003, 4372 self help groups have been formed
in rural areas and 159 self help groups in
urban areas taking the total to 592 self help
groups with membership of 85,530.
Rangi and Siddhuy M.S and Harjit Singh
(2002) have revealed that, women under
indira mahila yojana have borrowed both
from internal sources of self help group, and
banks for productive and non productive.
Purpose which have benefited directed and
indirectly their economic empowerment self
help groups have saved women from
exploitative money lenders and land lords and
have saved them from social and economic
empowerment. Self help groups have saved
them from social and economic exploitation
and the additional income has provided them
moral support to initiate new changes in the
grassroots.
Vijayanthi.K.N. noted that, “Women
empowerment through self help groups a
participatory approach” attempts to explain
the process of women’s empowerment and
find out the levels of a awareness creation,
decision making self and groups
empowerment among women from self help
groups formed under comprehensive
community development programme
implemented in five slum areas of Chennai.
Empowerment should give women freedom
of choice, equal access to domestic and
community resources, opportunities and
powers, the programmes of NGOs improving
income for providing new opportunities of
skills training, additional employment
providing credit and market facilities were
the main areas of concern of SEWA.
Debotosh sinha (2008) said the,
empowerment of women for social
development is a more complex process that
it appeared to be. It is now recognized that
empowerment involves an advancement in
several important and related spheres to
ensure the overall well being of the
empowered. Benefits derived from the
empowerment programmes must not only be
relevant to the needs of the intended
beneficiaries, but efforts must be ensure that
the target population is also able to retain the
benefits this is particularly significant for
women.
Tygai.D, Mitali chatterjee (2008) noted
that, “there is a need is a need for improving
the position of women and empowering them
5. SELP Journal of Social Science July -September 2013
Vol . IV : Issue. 17 ISSN:0975-9999
32
with more opportunities, greater access to
resources and equal participation with in
decision making processes. Empowerment is
to share power. The different stages are power
over, power to, power with and power within.
Sundar raj.D, Venkata Ravi. R, Hema
latha.H.M., (2008) said that, “Women and
empowerment” empowerment of women
means enhancing awareness of individual
household and community level. This helps
women to be more aware of their
constitutional, legal rights, opportunities.
Available for them to make their lines better.
More importantly, the strategy of
empowerment also helps women to achieve
comprehensive development.
Ranjit karmakar and Bholanath ghose
(2008) Expressed that, the “Role of women
in the self help group” is self – help groups
enhanced the quality of status of women as
participants, decision makers and
beneficiaries in the democratic, economic and
social activities, involvement of women
becomes essential. They encourage women to
take active part in the socio – economic
progress in the nation.
Ruby J.A. James Devassia and Abraham
George (2009) said that, women
empowerment aims enabling them to realize
their identity, aims enabling them to realize
their identity, potentiality and power in all
spheres of their lives. It has mainly five
dimensions viz., economics, political, social
/ cultural, personal and familial. Each
dimension is very important because the real
empowerment of women is possible only
when a woman has increased access to
economic resources, more strength and
courage for entering into the power structure,
more involvement through social / cultural
relationships and participation, more self-
motivation and confidence, and more say in
the family matters. Women should be willing
to take additional effort for building a mind
set which is suitable for their overall
empowerment.
David Jarachar.P, Usha Nandhini .S and
Shivachandran.M (2005) Noted that, though
the SHG movement has made an impact on
the lives of a number of individuals and
communities, there are many pockets of
societies which have not been involved in the
movement. Micro financing is yet to reach
the needy. An encouraging feature is that
several commercial banks including ICICI
have made a foray into this segment and are
actively applying the Participatory Rural
Appraisal techniques and SHG concept to
achieve rural information. But one aspect
stands out demanding our immediate
attention and action-rural transformation
needs to be done on a war footing.
Pankaj Naithani (2001) viewed that, micro
financing has developed the self employment
activities in rural areas over the last twenty
years. Micro financing means making
provisions for smaller working capital loans
to the self employment seeking poor.
However, some strategic planners are fearing
that micro financing drive may seek. Re-
allocation of anti-poverty programmes like
basic health, education, infrastructure
development etc., are found to be suffering
they may be true to some extent as target
beneficiaries in most of the micro finance
project are women.
Stephen .J.K (2005) concluded, It is
realized that NGO’s can play a decisive role
as an effective delivery mechanism in rural
development they have innate advantage to
involve people and ensure their participation
in the agencies and fellow NGO’s is added
6. SELP Journal of Social Science July -September 2013
Vol . IV : Issue. 17 ISSN:0975-9999
33
advantage to them. The NGO’s are taking
keen interest in providing micro financing
poor women. The success of NGO’s in
helping rural poor to organize SHG’s for
credit delivery in a way highlights the
importance of NGO-SHG’s linkage for the
betterment of the later.
Ashokan R.ponnarasu , kalavathi
.M.S.(2005) concluded, women
empowerment depends upon the success of
women development programmer in terms of
women SHG’s. Many studies have shown
that SHG’s contribute scientifically to the
overall development of women.To
understand the level of success of SHG’, this
paper analyses the Inter-district variations of
SHG’s through performance index. Results
have shown that out of twenty-eight districts
in Tamilnadu half them performed well. As
far as Tamilnadu self help experiment has no
far been successful in few pockets.
Khanka S.S. (2006) suggested, Different
people have defined entrepreneur different
the commonest definition of an entrepreneur
is a person who organizes, manages and takes
the risk of running an enterprise. He arranges
everything required to set up an enterprise
(i.e) funds, lad people material and
machinery. They entrepreneur retain
common characteristics, Independence,
motivation, optimistic, dynamic, innovating
and risk-bearing ability.An entrepreneur
differs from a manager on various counts.
The farmer is owner where as the latter is a
servant entrepreneur are rewarded with
profit, which is highly uncertain. On the other
hand, Manager gets salary as a reward for
the services rendered by him in the
enterprise.
Suseela menon .R (2003) said that, India
is now facing a lot of family disputes and
increased rate of divorce , as is evident from
cases pending and cases ever increasing in
family courts to the conditions and shape
them in their favour. Monetary
empowerment alone will not make the women
empowered. A total empowerment is required
that is cognitive, behavioral and affective.
There is a proverb that if six to nine is okay,
then nine to six will be okay. It means that if
family life is okay, work life is better both
are related. Thus women empowerment is an
unavoidable element, if family is to be
empowered, the society is to be empowered
people. Behavioral empowerment of women
which will permit them to utilize their own
unique potential to the point of excellence.
Debotash sinha .R (2005) expressed that,
empowerment of women for social
development is a more complex process that
it appeared be. It is now recognized the
empowerment involves an advancement in
several important and related spheres to
ensure the overall well-being of the
empowered. Benefits derived from the
empowerment programmer must not only be
relevant to the needs of the intended
beneficiaries, but efforts must be made to
ensure that the target population is also able
to retain the benefits. Empowerment of
women in the third world countries is
important because the benefits will be felt
not only by the women themselves but by
their households as well. It may take a more
enlightened approach to ensure the
empowerment of women in developing
countries, but the returns to their families and
even the societies as a whole will be worth it.
Abdul raheem.A&Yasmeen sultana .H
(2005) noted that, the unemployment
problem prevalent in india sharply differs
from that which prevails in the western
7. SELP Journal of Social Science July -September 2013
Vol . IV : Issue. 17 ISSN:0975-9999
34
nations. There are a number of possible routes
to the promotion of self employment
promotion and strengthening of self help
groups is one of them. So more and more self
help groups should be encouraged in order to
eradicate poverty through self employment
and at the same time empower women which
in turn lead to overall economic development.
Lamaan sami (2008) observed that
microfinance has been found as the
appropriate approach and effective tool for
poverty alleviation and empowerment, which
can be internalized into cooperative system
through strategic and legal support, keeping
in view long term sustainability of
microfinance within cooperative functioning.
Conclusion
It has encouraged many to form SHG’s
and avail the benefit since the scheme
provides finance to a SHG rather than to an
individual borrower as earlier done under
Integrated Rural Development Programme
(IRDP). Meghalaya as one of the average state
in terms of resource base, population and
socio economic infrastructure is also
experiencing similar type of upsurge in SHG-
bank linkage activities in recent years. The
analysis of the linkage activities in the
foregoing clearly brings some general issues
which need to be addressed.
Acknowledgement
The author is greatly thankful to UGC for
financial assistance to conduct this research
under the major research project scheme
2012-14.
References.
Abdul Raheem and yasmeen sultana .H
(2007), Empowerment of women through Self
help group : A view , Kisan world, Vol.34-
No.03 P. 48 to 52.
Amarjeet Kour (2008), Self Help Group
(SHG) and Group Development, Kurushetra,
Dec. 2008, Vol.57, No.2, P.25.
Arujn. Y. Pangannavar (2008), Self Help
Groups and Poverty, Kurushetra, Dec. 2008,
Vol.57, No.2, P.12.
Ashokan.R, Ponnarasu .S , Kalavathi.M.S,
Inter District Variations in the Performance
of self-help groups in Tamilnadu, co-
operative perspective , vol.40_No.2 , July-
Sep: 2005.
David Jarachar. P , Usha Nandhini .S, and
Shivachandran .M , Women Entrepreneurship
leading of rural transformation , the ICFAI
Journal of Entrepreneurship Development ,
Vol.2, Vol.1, March 2005.
Debotash sinha.R (2005), Women in
Development (Challenges and
Achievements) , serials publications , New
Delhi , 1st
published 2005 , P. 3 to 19.
Jitendra Ahittrao (2009), Rural Women
Empowerment Through Microfinance,
Kurushetra, Feb 2006, Vol.57, No.4, P.23.
Kala G.S. (2004), “Economic of Women
Through Self Help Groups” Kisan Word
Nov.2004, Vol.31, No.11, P.26.
Khanka S.S , Entrepreneur,
entrepreneurial Development , S. Chand and
Company Ltd, Ram Nagar , New Delhi (2006).
Khullar K.K. (2007), Mahila Samakhya
Empowerment of Women Through
Education, Kurushetra (A journal rural
development), March 207, Vol.55, P.9.
Lamaan sami (2008), “ Self help groups
and rural development “ , the Indian Journal
of Commerce, Vol.61-No.4 , October-
December 2008, P. 212 to 217.
Mohantry.B.K. (2009), SHG movement an
emerging social innovation of micro
8. SELP Journal of Social Science July -September 2013
Vol . IV : Issue. 17 ISSN:0975-9999
35
financing in orssia, kurushetra, February
2009, Vol.57, No.4, P.19.
Murlidhar.A.Lokhande (2009),
Microfinance Initiatives in India, Kurushetra,
Febuary 2009, Vol.57, No.4, P.16.
Muthalagu.K (2008), Indian women in
Development Perspective, Kurushetra, Sep.
2008, Vol.56, No.11, P.18.
Narayana Reddy, V.Vijiyakumar .S and
Nalini. B , Women Development (Challenges
and achievements) ,serial publications , New
Delhi , First Published 2-2005 – P.18.
Pankaj Naithani , “ NGO and Rural
Development” , kurukshetra , April 2001,
Vol.49_ No. 12 , P. 35-37.
Parguna.M.(2007), Political
Empowerment of Women in Illusion,
Kurushetra, March 2007, (A journal rural
development) Vol.55, No.5, P .12.
Pati .A.P., “ Subsidised Micro financing
and financial sustainability of SHG’s” , the
Indian Journal of commerce , Vol.61-No.4 ,
Oct-Dec 2008, P.137 to149.
Raghuvansh Prasad Singh (2008), SHG
Federations Should Play Proactive Role for
the Economic Empowerment of Rural
Masses, Kurushetra, December 2008, Vol.57,
No.2,P.11.
Ramachandran .T and Balakrishnan .S
(2008) of Self Help Groups on Women’s
Empowerment a Study in Kanyakumari
District, Kurushetra, Dec. 2008, Vol.57,
No.2, P.31.
Ruby . J.A., James Devassia andAbraham
George ,Women empowerment : Meaning ,
Characteristics and Dimensions , Southern
Economist , May1, 2009 , P. 41 & 42
Santhosh Gupta (2003), Strategy for
Empowerment of Women Indian Journal of
marketing, Vol. XXXIII, No.6, June 2003,
P.26.
Shyledra .H.S. (2008), Role of Self Help
Groups, Yojana January 2008 (Micro
finance) P.25.
Sivachithappa .K (2008), Success Story
Poverty Alleviation Through Self-Help
Groups, Kurushetra, Dec. 2008, Vol.57,
Vol.No.2, P.35.
Snehalata Panda (2007), Political
Empowerment of Tribal Women in Orissa,
Kurushetra, March2007, ( A Journal Rural
Development) Vol.55, No.5, P.29.
Stephen J.K, Selian .A, Role of NGO’s
in micro financing through SHG’s , Indian
Journal of marketing , Vol.No.8 , August
2005.
Sundar Raj. D, Venkata Ravi.R, Hema
latha. H.M. “Women and Empowerment”,
Women in Development (Challenges and
Achievements) Serials Publications, P.45 to
59.
Suneetha .R (2007) is DWCR Programme
Empowering The Rural Women, Kurushetra
( A Journal Rural Development) March,
2007, Vol. 55, No.5, P.17.
Suseela Menon R. “Women
empowerment through India traditional
classical art forms”, Kisan world , Sep 2007
, Vol.34-No.09 P. 60 to 62.
Tangirala .H.S.K.(2008) , SHG is a Tool
of Economic Development of Co-operatives
and its Members, Kurushetra, Dec.2008,
Vol.57, No.2, P.22.
Tyadi. D, Mitali Chetterjee, “Women in
Development”, Women is Development
(Challenges and Achievement), Narayana
Reddy, V. Vijaya Kumar.S, Nalini B, Serials
Publications P. 35 to 44.
All in-text references underlined in blue are linked to publications on ResearchGate, letting you access and read them immediately.