TITLE

SHG BANK LINKAGE PROGRAMME: A PROGRESSIVE OUT LOOK OF SELECTIVE COMMERCIAL BANKS IN ANDHRA PRADESH

AUTHOR(S)
RAFEE, O. MOHAMMAD; REDDY, P. MOHAN
PUB. DATE
April 2015
SOURCE
CLEAR International Journal of Research in Commerce & Managemen;Apr2015, Vol. 6 Issue 4, p1
SOURCE TYPE
Academic Journal
DOC. TYPE
Article
ABSTRACT
The recent Indian economic perspectives tells the development have pointed towards the importance of micro finance in the empowerment of the rural community. The movement of Self-help groups (SHGs) as the most effective tools for financial inclusion was started last two decades ago with NGOs promoting self help groups. The results from these self-help groups (SHGs) are promising and have become a focus of intense examination as it is proving to be an effective method of poverty eradication. One method of access to micro finance by the rural community, rural women in particular, is the Self Help Group-Bank linkage programme, where banks provide finance to the groups for undertaking economic activities. SHG Bank Linkage programme has enhanced tremendously and recovery is comparatively higher. It means most successfully ruining programme in India. The present study reviews SHG-Bank Linkage Programme, a progressive out look of selective Commercial Banks (State Bank of India, Syndicate Bank) in Andhra Pradesh. After analyzing the data it came to conclude that in all aspects state bank of India and syndicate bank play very important role in A.P. and in India. The Micro level loan needed people most probably live at rural areas. Here, it is high time to take step for the government through bank to develop micro finance and protect weaker sections in the society by liberalizing loan policies. SHGs can also try to properly repay the bank loans it helps successfully reduce outstanding amount and improve the financial status of the lending banks. The most "bankable" clients and most willing to help each other for a better tomorrow.
ACCESSION #
119728096

 

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