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| Article Name : | | | PERFORMANCE OF SELF HELP GROUP-BANK LINKAGE PROGRAMME (SBLP) IN INDIA – AN ANALYTICAL STUDY | | Author Name : | | | H.RAMAKRISHNA , KHAJA MOHINUDDEEN J , BIBI SALEEMA G G AND MALLIKARJUNA B | | Publisher : | | | Ashok Yakkaldevi | | Article Series No. : | | | ISRJ-50 | | Article URL : | |  | Author Profile | | Abstract : | | | Self-Help Groups (SHGs) are the thrift and credit groups formed informal way
whose members pool savings and relend within the group on rotational or needs basis.
These groups have operated on co-operative principles and do collective actions. They
succeeded in performing/providing banking services to their members door steps
without any defaults. They are formed for addressing their common problems. They
make regular savings habit and use the pooled savings for the benefit of their members
through a structured process of essential financial intermediation like prioritization of
needs, setting self-determined terms for repayment and keeping records. It builds
financial discipline and credit history that then encourages banks to lend to them in
certain multiples of their own savings and without any demand for collateral security.
The present study is based on secondary data source and considered as the
powerful instrument for women empowerment and eradication of poverty. The SBLP has
made an adventure in the economy by transforming the formal banking services to rural
poor and needy people particularly women group. The study is concluded with
remarkable findings and suggestion found during the review of earlier studies. | | Keywords : | | - empowerment
- india
- nabard
- poverty
- women
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