A CASE STUDY ON SELF HELP GROUPS IN 95TH WARD, CHENNAI
Journal Title: GJRA-Global Journal For Research Analysis - Year 2015, Vol 4, Issue 2
Abstract
The major form of microfinance in India is that based on women’s Self Help Groups (SHGs), which are small groups of 10-20 members. These groups collect savings from their members and provide loans to them. However, unlike most Accumulating Savings and Credit Associations (ASCAs) found in several countries, these groups also obtain loans from banks and lend them to their members. Despite considerable achievements, sustainability of the SHGs is still a question mark. Using a case study approach, this paper explores the merits and constraints of three SHGs in Villivakkam, 95th Ward, Chennai. The three SHGs in Villivakkam, 95th Ward, Chennai are rated on factors like Background, Group Governance and Dynamics, Knowledge and Awareness of the members, Bank-Linkage and Group Norms using five point rating scale. The findings could help SHGs become institutionally and financially sustainable because they provide the economies of scale that reduce transaction costs and make the provision of these services viable. The paper concludes by recommending some actions to address these constraints.
Authors and Affiliations
B. SREEYA, Dr. S. RADHA
Keywords
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