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Impact of Self Help Groups in Jammu, India

Author(s): Amrinder Singh | Sushil Kumar Mehta

Journal: The Romanian Economic Journal
ISSN 1454-4296

Volume: XV;
Issue: 46;
Start page: 167;
Date: 2012;
Original page

Keywords: Microfinance | Self help group | credit | savings | India

The study concludes the outcome of an ex-post evaluation study of the SHGs promoted by Gramudyog Hastakala Kendra & Priyadarshini Indira Mahila Block Society, NGO’s working for the promotion of SHGs in Jammu & Kathua District of Jammu region, India. A sample of 20 SHGs consisting of 282 members have been taken to study the various aspects of the SHGs viz. educational profile, economic status and occupational pattern etc. pre and post SHG formation. It is found that most of the members of SHGs are economically weak. The overall findings of the study suggest that SHG – Bank Linkage Programme has considerable positive impact on the social conditions. It has also empowered women members substantially and has contributed to increased self-confidence and positive behavioral changes in the post-SHG period as compared to the pre-SHG period.
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