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Women Self Help Group Case Study

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In an important study of women Self Help Groups of Erasama Block in Jagatsinghpur District , Kahnu Charan Dhir (2012) concluded that women Self Help Groups were successful in improving their lives and were able to hasten the task of poverty reduction to a great extent. He also concluded that, it requires the hard work, patience of the members, animators as well as the catalysts to achieve this goal and that these factors are extremely important. He felt that it is the duty of the banks to expand the SHG movement and change the attitude of the poor, who are lacking in repayment capacity, thus helping and encouraging them. In another study undertaken by Dinesh Pant (2012), it was observed that poor people of the Himalayan region were facing …show more content…

They further stated that the SHGs become the basis for action and change in the lives of the women who are part of it. SHG’s also helped build a relationship of mutual trust between the promoting organization and the rural poor through constant and genuine efforts. SHGs have also been found to help inculcate among their member’s sound habits of thrift, saving and banking. The researchers also found that the attitude towards the quantum of saving was greater in urban areas than rural areas and that the majority of SHGs’ members in urban and rural have hundred percent savings. In fact, SHGs are acting as an alternative to the existing system of credit disbursement by banks. Klaus Deininger, Yanyanliu (2009) on the other hand found that SHGs have positive impact on consumption, nutritional intake, and helps the members in improving their assets and sense of security. Accumulation of necessary assets, improved financial condition was a positive change in the lives of these erstwhile poor …show more content…

Their paper assessed the governance issues in the operation of SHGs. They found that the main problem areas resulted due to the low financial base and also due to the absence of appropriate credit linkages. They also analyzed that non-provision of socio-economic incentives to members and lack of commitment to task accomplishment by the members of the group are also problem areas. Their paper aptly concluded with suggestions on policy lessons ,which can help in improving the implementation of rural self employment program in

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