TITLE

MICRO FINANCE THROUGH SHG-BANK LINKAGE PROGRAMME: A STUDY OF SELECT COMMERCIAL BANKS IN YSR DISTRICT, ANDHRAPRADESH

AUTHOR(S)
RAFEE, O. MOHAMMAD; REDDY, P. MOHAN
PUB. DATE
January 2015
SOURCE
CLEAR International Journal of Research in Commerce & Managemen;Jan2015, Vol. 6 Issue 1, p14
SOURCE TYPE
Academic Journal
DOC. TYPE
Article
ABSTRACT
Government of India select micro finance is powerful tool to reduce poverty and improve the women empowerment. Micro finance is a very small amount, but it helps the poor people meet their needs and to raise their income levels and improve their living standards. Social and economical back ward women have formed in to a group on the bases of "self-help" members voluntarily coming together to save small amount regularly, establishing linkage with banks for the delivery of financial services their members, delivery of credit to the needy members.SHGs-banks linkage programme, aimed at providing a cost effective mechanism for providing financial services to "self-help groups". It impacted the lives of millions of poor women's positively; SHG-Bank linkage programme (SBLP) started as pilot project 1992.on the basis of the recommendation of S K Kalia Committee. National Bank for Agriculture and Rural Development (NABARD) sponsored SHG-Bank linkage programme is the fastly growing micro finance programme in the world covering 98 million poor households. The present study is an attempt to analyze micro finance through shg-bank linkage programme, a study of select commercial banks (syndicate bank, state bank of India) in YSR kadapa district, Andhra Pradesh. The study includes broad objectives are to analyses the operating system of SHGs for mobilization of saving, delivery of credit to the needy, management of group funds, repayment of loans, in building up leadership, establishing linkage with banks and examines the social benefits derived by the members. In order to collect and gather primary data, field observation and structured questionnaire survey methods were employed.
ACCESSION #
119728721

 

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