The Microfinance Review

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Impact of Self-Help Groups on Member Households: A Study with Reference to SHG-Bank Linkage Programme


Affiliations
1 Development Research Consultant, India
2 APMAS, Hyderabad, India
     

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This paper aims to understand the impact of Self-Help Group-Bank Linkage Programme (SHG-BLP) on SHG members’ households, using a sample of 864 SHG members from 432 SHGs drawn from 40 blocks in 12 districts of Andhra Pradesh, Assam, Karnataka, Maharashtra, Odisha and Uttar Pradesh. It finds that SHGs have brought about a significant change in the lives of their members at the household level. The members have opened individual savings bank accounts and most household savings are with banks. Majority of the households owe a significant portion of their debts to SHGs. The SHG member households have procured an array of assets using SHG loans. Of all the assets, livestock is predominant, followed by agriculture machinery and housing. The households have benefitted in multiple ways such as, improvement in household income, more work to household members, repayment of highcost old debts, improvement in children’s education and health of family members.

Keywords

Self-Help Group-Bank Linkage Programme, Household Savings.
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  • Narang, U (2012): “Impact of Self- Help Groups Bank Linkage Programme in India”, International Journal of Trade & Commerce, Vol. 1, No. 2, pp.220-228.

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  • Impact of Self-Help Groups on Member Households: A Study with Reference to SHG-Bank Linkage Programme

Abstract Views: 439  |  PDF Views: 1

Authors

K. Raja Reddy
Development Research Consultant, India
C. S. Reddy
APMAS, Hyderabad, India

Abstract


This paper aims to understand the impact of Self-Help Group-Bank Linkage Programme (SHG-BLP) on SHG members’ households, using a sample of 864 SHG members from 432 SHGs drawn from 40 blocks in 12 districts of Andhra Pradesh, Assam, Karnataka, Maharashtra, Odisha and Uttar Pradesh. It finds that SHGs have brought about a significant change in the lives of their members at the household level. The members have opened individual savings bank accounts and most household savings are with banks. Majority of the households owe a significant portion of their debts to SHGs. The SHG member households have procured an array of assets using SHG loans. Of all the assets, livestock is predominant, followed by agriculture machinery and housing. The households have benefitted in multiple ways such as, improvement in household income, more work to household members, repayment of highcost old debts, improvement in children’s education and health of family members.

Keywords


Self-Help Group-Bank Linkage Programme, Household Savings.

References