IDEAS home Printed from https://ideas.repec.org/h/spr/isbchp/978-81-322-0981-2_10.html
   My bibliography  Save this book chapter

Microfinance and Rural Poverty

In: Liberalization, Growth and Regional Disparities in India

Author

Listed:
  • Madhusudan Ghosh

    (Visva- Bharati)

Abstract

This chapter reviews the progress of the SHG–Bank linkage programme and examines its impact on the socio-economic conditions of SHG member households. The programme has grown at a tremendous pace during the last two decades and emerged as the most prominent means of delivering microfinance services in India. Commercial banks, regional rural banks, cooperative banks and NGOs have contributed significantly to the rapid spread of the programme. Though the regional spread of the programme is highly skewed with highest concentration in the southern region, it has started picking up pace in other regions. The results concerning the impact of the programme on the socio-economic conditions of SHG member households reveal that the average annual net income, assets and savings of these households have increased significantly in the post-SHG situation. The average amount of loans and the regularity in repayment of loans have increased, and the dependence on moneylenders has reduced. The percentages of loans used for productive purposes and employment per household have increased, and the incidence of poverty among SHG members has declined significantly after bank linkage. Social empowerment of women has improved after their participation. The study offers important policy suggestions.

Suggested Citation

  • Madhusudan Ghosh, 2013. "Microfinance and Rural Poverty," India Studies in Business and Economics, in: Liberalization, Growth and Regional Disparities in India, edition 127, chapter 0, pages 167-184, Springer.
    • Handle: RePEc:spr:isbchp:978-81-322-0981-2_10
    DOI: 10.1007/978-81-322-0981-2_10
    as

    Download full text from publisher

    To our knowledge, this item is not available for download. To find whether it is available, there are three options:
    1. Check below whether another version of this item is available online.
    2. Check on the provider's web page whether it is in fact available.
    3. Perform a search for a similarly titled item that would be available.

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Anirban Pal & Piyush Kumar Singh, 2021. "Do socially motivated self‐help groups perform better? Exploring determinants of micro‐credit groups’ performance in Eastern India," Annals of Public and Cooperative Economics, Wiley Blackwell, vol. 92(1), pages 119-146, March.
    2. Mesbahuddin Ahmed & Anu Muhammad Anisur Rahman & Most Nilufa Khatun, 2020. "Empowerment of the Extreme Poor Women through Microfinance: Evidence from Northern Part of Bangladesh," Journal of Contemporary Research in Social Sciences, Michael Laurence, vol. 2(4), pages 68-80.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:spr:isbchp:978-81-322-0981-2_10. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.springer.com .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.