Journal of FARM SCIENCES, Vol 26, No 2 (2013)

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Impact of self help groups on rural economy in north east Karnataka

M.S. Nalini, Suresh C. Patil, H. Lokesha, Jagrathi B. Deshmanya, G.N. Maraddi

Abstract


Self Help Groups, as micro financial institutions emerged as an impetus for community action. An informal supplementary credit delivery mechanism by lending at group level, there are many studies on women SHGs and its impact since, women SHGs are functioning well by influencing rural people in the income, employment, savings, investment etc., keeping all these points in view the present study makes an attempt to understand how women SHGs are performing well compared to men SHGs. It was evident that, out of 18 women SHGs, cent per cent have borrowed loan from bank and majority of the groups borrowed second loan (55.55%), followed by 38.89 per cent borrowed third loan and 5.56 per cent borrowed first loan. In the case of men SHGs out of 18 only 27.78 per cent SHGs have borrowed loan from bank, out of which 16.67 percent borrowed third loan and 5.56 and 5.55 per cent have borrowed first and second loan, respectively. It was evident that all the women SHGs are practicing weekly saving, according to NABARD weekly saving is good. With respect to extent of saving, men SHG saving is more compared to women group. SHGs have more impact on women members than men members, with respect to loan borrowing, repayment, loan utilization, investment, consumption pattern, income and employment generation.

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