This paper is published in Volume-5, Issue-6, 2019
Area
Microfinance
Author
Prachi Bhansali
Org/Univ
Christ (deemed to be) University, Bangalore, Karnataka, India
Pub. Date
04 November, 2019
Paper ID
V5I6-1137
Publisher
Keywords
SHG-bank linkage program, Microfinance, Savings by SHG, Credit disbursed by SHG, Loan outstanding by SHG

Citationsacebook

IEEE
Prachi Bhansali. Growth of SHG-Bank linkage program in India [comparative study-region wise], International Journal of Advance Research, Ideas and Innovations in Technology, www.IJARIIT.com.

APA
Prachi Bhansali (2019). Growth of SHG-Bank linkage program in India [comparative study-region wise]. International Journal of Advance Research, Ideas and Innovations in Technology, 5(6) www.IJARIIT.com.

MLA
Prachi Bhansali. "Growth of SHG-Bank linkage program in India [comparative study-region wise]." International Journal of Advance Research, Ideas and Innovations in Technology 5.6 (2019). www.IJARIIT.com.

Abstract

This paper examines the growth of the SHG-bank linkage program in India and also does a comparative study – region-wise based on the three major variables – savings, credit disbursed and loan outstanding by the SHGs which are further classified as total savings of SHG, average savings per SHG, total credit received by SHG, average credit received per SHG, total loan outstanding and loan outstanding per SHG. The data that has been used during this research is purely secondary data (NABARD’s annual report on the status of microfinance in India). The time period chosen is 5 years i.e. 2013-14 to 2017-18 and the six regions that are compared are the Southern region, Northern region, Western region, Eastern region, Central region and Northeastern region. The methods that have been used for the success of this research are - Pearson’s correlation and the regression Model. To draw interpretations, various charts and graphs for better and easy comparisons were also used. The findings of this research were that the SBL program was on an increase every year and then reach out to the Southern region was significantly very high and that of the North-Eastern region was very low. It was also found that there is an impact of savings per SHG on the credit received per SHG and there is an impact of savings on the loan outstanding per SHG as well but there is no significant impact of average credit received per SHG on average loan outstanding per SHG.
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