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M. G. Lagare ¹, J. M. Talathi ¹, A. C. Deorukhakar ¹, P. J. Kshirsagar ¹

Affiliations
1 Department of Agricultural Economics, Dr. B.S. Konkan Krishi Vidyapeeth, Dapoli, Ratnagiri (M.S.), IN

Abstract

The present study was carried out in South Konkan Region purposively. From Ratangiri district Dapoli, Khed and Guhaghar while from Sindhudurg district Kudal, Devgad and Kankavali tahsils were selected. From each tahsil, ten SHGs and five members of each SHG were selected randomly. Thus, final sample consisted of 60 SHGs, 300 SHG members. The selected SHGs were categorized taking into consideration group activities performed by SHG. The SHGs were classified as farming activities, agro-processing activities and non-farming activities. Loan taken from different sources i.e. banks, co-operative societies and relatives. Loan amount taken from bank was Rs.139250. Loan amount taken by agro-processing category was highest (Rs.153250), followed by non-farming (Rs.136896.55) and farming (120000) category. There was increase in the credit availed by the SHGs over a period of time. At overall level amount repaid to bank by SHGs was Rs.46613. As regards to category wise repayment of loan by farming, agro-processing and non-farming was Rs. 39916.36, Rs.59770 and Rs. 40079.31, respectively. The SHG members utilized loan for productive purposes borrowed from bank (59.23%) and SHGs (50.64%) followed by non-productive purposes borrowed from co-operative societies (92.06%) and relatives (70.86%).

Keywords

Credit, Sources of Loan, Repayment.

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M. G. Lagare ¹, J. M. Talathi ², A. C. Deorukhakar ², V. G. Naik ²

Affiliations
1 Department of Agricultural Economics, Dr. B.S. Konkan Krishi Vidyapeeth, Dapoli, Ratnagiri (M.S.), IN
2 Department of Agricultural Economics, Dr. B.S. Konkan Krishi Vidyapeeth, Dapoli, Ratnagiri (M.S.), IN

Abstract

The present study entitled, "Impact of women self help groups on income, employment, investment and saving in South konkan Region" was carried out in South Konkan region purposively. From Ratangiri district Dapoli, Khed and Guhaghar while from Sindhudurg district Kudal, Devgad and Kankavali tahsils were selected. From each tahsil, ten SHGs and five members of each SHG were selected randomly. Thus, final sample consisted of 60 SHGs, 300 SHG members. The selected SHGs were categorized taking into consideration group activities performed by SHG. The SHGs were classified as farming activities, agro-processing activities, and non-farming activities. This indicated that after joining the SHG, per member income increased to the extent of 13.87 per cent. This increase in income was 14.84 per cent in farming, 12.31 per cent in agro-processing and 14.63 per cent in non-farming category. Within different categories of groups, the increase in employment was 83.18 per cent in farming category, 61.95 per cent in agro-processing category and 77.41 per cent in non-farming category. The investment in different assets increased to the extent of 22.62 per cent after participation in SHG group. Within different categories of groups, the increase in investment was 22.22 per cent in farming category, 16.83 per cent in agro-processing category and 26.82 per cent in non-farming category. After participation in SHG activities per member saving increased by 27.84 per cent.

Keywords

Impact, Income, Employment, Saving, Investment.

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