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Shg-Bank Case Study

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IMPACT OF SELF HELP GROUPS-BANK LINKAGE PROGRAMME ON RURAL DEVELOPMENT: EVIDENCE FROM INDIA

ABSTRACT

Self Help Groups – Bank linkage programme, which is the largest microfinance programme in the world today. The programme has grown at enormous pace during past two decades and emerged as the most prominent means of delivering micro finance services in India. This paper reviews the progress of SHG- Bank linkage programme at state levels, and examines its impact on development of people living in rural areas. By using regression, this paper will analyse the impact of SHGs participation in formal banking system (measured by No. of bank accounts linked to SHGs and loan disbursed to SHGs) on consumption expenditure in rural areas, employment and poverty status in rural areas. This study aims to show that SHG- Bank linkage programme has helped the rural areas by improving the economic and social status of people living in rural areas. The regression coefficients of SHGs …show more content…

Ttheea goveearnmeeant eeanvisaageead thaat 40% of ttheea totaal creeadit of ttheea commeearciaal baanks should beea chaanneealizeead to priority seeactors, groups or reeagions to support aactivitieeas thaat aareea consideeareead to beea sociaally beeaneeaficiaal or inheeareeantly risky aand borroweear groups thaat weeareea likeealy to beea maarginaalizeead in ttheea creeadit maarkeeats, aat loweear inteeareeast raateeas. In reeaceeant peeariods , baanking seeactor witneeasseead treeameeandous chaangeeas in teearms of teeachnologicaal aadvaanceeameeants , inteearneeat baanking , onlineea moneeay traansfeears eeatc. But it is aa reeaaality thaat aacceeass to this teeachnology is reeastricteead to only ceeartaain seeagmeeants of ttheea socieeaty. This is oneea of ttheea reeaaason of “finaanciaal

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