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Role of Microfinance in the Reduction of Rural Poverty in West Bengal

In: Microfinance to Combat Global Recession and Social Exclusion

Author

Listed:
  • Kishor Naskar

    (Budge Budge College)

  • Sourav Kumar Das

    (Lalbaba College)

Abstract

In India, most of the operational holdings are small and marginal, which are not economically viable. The condition of other rural poor, who largely depend on non-farm activities, is also precarious as their resource and income status is even below that of the tiny landholders. The idea of central government is to make a passage through rural development, a part of make in India, using the vessel of micro financing via SHGs. In microfinance, small amounts of loan, coupled with financial discipline, ensure that loans are given more frequently; thus, credit needs for household production and personal purpose can be met. One of the major contributions of microfinance is toward women’s empowerment. And when it is directed at women, the benefits accruing out of the microfinancing activities are expected to multiply manifold. In this article, we provide a critical evaluation of the discussion on the potential contribution of microfinance in reducing poverty. This study aims to empirically examine the influence of activities under SHGs on poverty with the help of probit model based on mainly primary data survey on the basis of Stratified Random Sampling in West Bengal. This study reveals that SHGs have a significant impact on poverty reduction.

Suggested Citation

  • Kishor Naskar & Sourav Kumar Das, 2022. "Role of Microfinance in the Reduction of Rural Poverty in West Bengal," Springer Books, in: Ramesh Chandra Das (ed.), Microfinance to Combat Global Recession and Social Exclusion, chapter 0, pages 249-261, Springer.
    • Handle: RePEc:spr:sprchp:978-981-16-4329-3_17
    DOI: 10.1007/978-981-16-4329-3_17
    as

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