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Title: GROWTH AND SUSTAINABILITY OF SELF HELP GROUPS (SHGS) IN INDIA: A REGIONAL ANALYSIS
Authors: Dr Shallu Sehgal and Nikita Sharma
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Dr Shallu Sehgal and Nikita Sharma 1. Assistant Professor, Department of Economics, University of Jammu, Jammu &Kashmir 2. Ph.D Research Scholar, Department of Economics, University of Jammu, Jammu & Kashmir
MLA 8 Sehgal, Dr Shallu, and Nikita Sharma. "GROWTH AND SUSTAINABILITY OF SELF HELP GROUPS (SHGS) IN INDIA: A REGIONAL ANALYSIS." Int. j. of Social Science and Economic Research, vol. 6, no. 7, July 2021, pp. 2451-2462, doi.org/10.46609/IJSSER.2021.v06i07.029. Accessed July 2021. APA 6 Sehgal, D., & Sharma, N. (2021, July). GROWTH AND SUSTAINABILITY OF SELF HELP GROUPS (SHGS) IN INDIA: A REGIONAL ANALYSIS. Int. j. of Social Science and Economic Research, 6(7), 2451-2462. Retrieved from doi.org/10.46609/IJSSER.2021.v06i07.029 Chicago Sehgal, Dr Shallu, and Nikita Sharma. "GROWTH AND SUSTAINABILITY OF SELF HELP GROUPS (SHGS) IN INDIA: A REGIONAL ANALYSIS." Int. j. of Social Science and Economic Research 6, no. 7 (July 2021), 2451-2462. Accessed July, 2021. doi.org/10.46609/IJSSER.2021.v06i07.029.
References [1]. Annapurna, A. A. (2017). SHG-Bank Linkage Programme?: An Indian Perspective. IJESC, 7(4), 6296–6302. Batra, S. (2018). A Structural Equation Model of Women Empowerment Through Self-Help Groups in Rajasthan. Journal of Organisation and Human Behaviour, 7(2), 14–22. Retrieved from http://proxy.library.tamu.edu/login?url=https://search.proquest.com/docview/2138650426?accountid=7082%0Ahttp://linkresolver.tamu.edu:9003/tamu?url_ver=Z39.88-2004&rft_val_fmt=info:ofi/fmt:kev:mtx:journal&genre=article&sid=ProQ:ProQ%3Aabiglobal&atitle=A+St
Abstract: The policy makers of India have laid immense focus on inclusion of unprivileged section of the society placed at the bottom of the pyramid. Credit through microfinance facility has helped severing this section of the society. These efforts were met in 1992 by NABARD initiative of launching Self Help Groups-Bank Linkage programme (SHGs-BLP), thus with a view of greater access of credit to rural areas and an objective of banking with poor. This programme not only served the purpose of financial inclusion for the nation but gave an impetus to empowerment of the women by letting them take benefit of their collective power. This study seeks to highlight the performance of the programme in different regions of the country by taking three important aspects like savings, loan disbursed and loan outstanding. The study considers the period of eleven years, starting from 2010-11 to 2020-21. For this purpose, Mean, Standard Deviation, Coefficient of variation and Compound annual growth are calculated. Further to analyze the statistical significance, Analysis of variance (ANOVA) is calculated. As such it is concluded that the impact of Self Help Group Bank Linkage Programme (SHG-BLP) was different on all the regions of the country, as such showing a positive trend in the progress for the study period as far as savings, loan disbursal as well as loan outstanding is concerned.

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