Research Journal of Humanities and Social Sciences

Open Access Open Access  Restricted Access Subscription Access
Open Access Open Access Open Access  Restricted Access Restricted Access Subscription Access

Self –Help Groups Bank Linkage Programme and Micro- Financing in North –East Region:An Overview


Affiliations
1 Dept. of Management, NEHU Tura Campus, India
2 Department of Humanities and Social Sciences, NIT Silchar, India
     

   Subscribe/Renew Journal


In India, microfinance is provided mainly through two models: the SHG-Bank Linkage Model (SHG-BLM) and Microfinance Institution (MFI)-Bank Linkage Model. After1992, the programme has grown manifold in the case of the SHG-Bank Linkage Model. Today, the SHG -Bank Linkage Programme (SHG-BLP) is the largest microfinance programme in the world. The main objectives of the present paper is to highlight the growth of loan disbursement by Public Sector Banks through micro finance scheme to Self Help Groups (SHGs) in North-Eastern Region of India and to study the inter-state variations in case of savings, loan disbursements, and loan outstanding to SHGs among the North-Eastern States of India. The present study availed data from various secondary sources. The study found that the Loan disbursement by Public Sector Banks through Self Help Groups in North East Region has increased and the total savings of Self Help Group with Public Sector Banks was highest in case of Assam but Sikkim holds first place when it comes to savings per SHGs in North –East Region.

Keywords

Microfinance, Self Help Groups, NER Loan Disbursement, Savings of SHGs.
Subscription Login to verify subscription
User
Notifications
Font Size


  • Goyal S. Present Scenario of Microfinance in India, International Journal of Academic Research and Development. 2018; (1): 777-778

  • Mittal A. Current Scenario of Microfinance industry in India, International Journal of Information Research and Review, 2016; 03(08): 2681-2685.

  • Saravanan M. The Impact of Self-Help Groups On The Socio-Economic Development of Rural Household Women In Tamil Nadu - A Study. International Journal of Research Granthaalayah. 2016; 4(7): 22-31.

  • Chandran KP and Sandhya P. Progress of SHG-Bank Linkages in India: An Assessment of Key Issues, Economic Affairs. 2012; 57(3): 307-314.

  • Status of Microfinance in India 2017-18, Report by NABARD.

  • Ghosh M. Micro-finance and rural Poverty in India SHG–Bank Linkage Programme, Journal of Rural Development, 2017; 31 (3): 347 – 363

  • Kumra K and Sharma V. Progress of Microfinance in India under SHG-Bank Linkage Model. International Journal of Management Studies, International Journal of Management Studies, 2018; 1(4): 120-126.

  • Baishya D and Mahanta R. An Analysis of Performances of Indian Banks in Promoting Microfinance through SHG Bank Linkage Program, International Journal of Scientific Research and Reviews, 2018; 7(1): 230 -244.

  • Rao U and Srivastava S. SHG Bank Linkage Programme in India and its Impact on Rural Savings, International Journal of Emerging Research in Management and Technology, 2017; 6(11): 163-172.

  • Malakar D and Gautam H. Impact of SHG-Bank Linkage Programme in Nalbari District, International Journal of Business and Management Invention, 2016; 5(8): 19-24.

  • Bargal P. Effectiveness of Microfinance in Development of Slum Areas of Indore. 2014. (Doctoral dissertation). Available from http://www.ijsrr.org/down_769.php.

  • Kumar S. Access to Finance through SHG-Bank Linkage Programme: How far it Benefitted the Underprivileged, International Journal of Electronics, Electrical and Computational System, 2018; 7 (4): 249-254.

  • Annapurna A. SHG-Bank Linkage Programme: An Indian Perspective. International Journal of Engineering Science and Computing, 2017; 7 (4): 12-18.

  • Ramakrishna R and Harika K. Trends in Micro Finance with SHG-Bank Linkage Model in India during 2010-11 to 2015-16, IOSR Journal of Humanities and Social Science (IOSR-JHSS), 2017; 22(11):17-28.

  • Prasad K. A Review on Performance of SHGs- Bank Linkage Programme In India, International Journal of Mechanical Engineering and Technology. 2017; 8(10): 829-835.

  • Roy A. Micro-Finance and its Inter-State Disparities in North-East India. The Echo (An online Journal of Humanities and Social Science). 2014; 1(4): 77-92 17. Srivastava A and Sharma A. Micro Finance through SHG- Bank Linkage Programme in India. Indian Journal of Research, 2017; 6(11): 752-755.

  • Khan M and Rahaman M. Impact of Microfinance on Living Standards, Empowerment and poverty alleviation of poor people: A case study on Microfinance in the Chittagong District of Bangladesh (Master thesis). 2007. Available from http://www.divaportal.org/smash/get/diva2:141240/fulltext01.

  • Mahanta P. Status of Microfinance in India - A Review. International Journal of Marketing, Financial Services and Management Research. 2012; 1(11): 142-155.

  • Mehta P. The Role of Self Help Groups- Bank Linkage Programme in Financial Inclusion. International Journal of Engineering Technology, Management and Applied Sciences. 2015; 3(5): 155-162.

  • Radhakrishna, M. Performance of Microfinance Institutions in India. International Journal of Computer Science and Information Technology and Security, 2012; 2(4); 809-814.


Abstract Views: 309

PDF Views: 0




  • Self –Help Groups Bank Linkage Programme and Micro- Financing in North –East Region:An Overview

Abstract Views: 309  |  PDF Views: 0

Authors

Mridul Barman
Dept. of Management, NEHU Tura Campus, India
Debabrata Sutradhar
Department of Humanities and Social Sciences, NIT Silchar, India

Abstract


In India, microfinance is provided mainly through two models: the SHG-Bank Linkage Model (SHG-BLM) and Microfinance Institution (MFI)-Bank Linkage Model. After1992, the programme has grown manifold in the case of the SHG-Bank Linkage Model. Today, the SHG -Bank Linkage Programme (SHG-BLP) is the largest microfinance programme in the world. The main objectives of the present paper is to highlight the growth of loan disbursement by Public Sector Banks through micro finance scheme to Self Help Groups (SHGs) in North-Eastern Region of India and to study the inter-state variations in case of savings, loan disbursements, and loan outstanding to SHGs among the North-Eastern States of India. The present study availed data from various secondary sources. The study found that the Loan disbursement by Public Sector Banks through Self Help Groups in North East Region has increased and the total savings of Self Help Group with Public Sector Banks was highest in case of Assam but Sikkim holds first place when it comes to savings per SHGs in North –East Region.

Keywords


Microfinance, Self Help Groups, NER Loan Disbursement, Savings of SHGs.

References