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International Journal of Innovative Research and Development, Vol 1, No 5 (2012), Pagination: 17-28
Abstract
This study on "Micro-finance and Self-Help Groups (SHGs): Its Impact on the Poor in Andhra Pradesh" has been carried out in Visakhapatnam District of Andhra Pradesh, India. It tries to comprehend the data by taking 300 SHG women from 90 SHGs. These SHG women were drawn from five different models namely NGO facilitated, where the NGO acts as a linking agency in getting the loan from the bank, NGO intermediated in which the NGO acts as a financial intermediary, Directly Bank Linked, where the banks themselves forms SHGs, NGO guided but self-supported in which the NGO will be guiding in forming the group but will not entertain in either arranging for finance nor linking with banks. The MFI model is completely self-supported which has been formed and functioning independently without getting any assistance from outside agencies. The purpose of the research was to examine the model wise performance of SHGs in terms of access to credit, outreach, institutionalizing the credit, reducing the transaction costs, socio-economic impact created, the behavioral outcomes and empowerment of women in decision making affairs of family and society etc. At attempt has been made to understand the inter-relations among the SHG women, NGOs, banks and other development organizations, and their impact on the lives of women. All these have been done as to which model would sustain and would have long run stability and their implications on formal credit sector and its impact to the poor.
Keywords
Self-Help-Groups, Microfinance, SGH-bank Linkage Model, Nabard, Poor
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