SELF-HELP GROUPS AND MICROFINANCE: ACTIVATORS FOR WOMEN'S EMPOWERMENT IN UTTARA KANNADA DISTRICT, KARNATAKA
Keywords:
Self Help Groups (SHGs), Microfinance, Ngo, Canara Organisation For Development And Peace (CODP), Womens Empowerment, Economic Self-Reliance, Socio-Political Empowerment, Self-Employment, Social And Political AwarenessAbstract
This study examines the reasons behind, duration of operation, and effects of women joining Self Help Groups (SHGs) in India. It focuses on SHGs supported by the non-governmental organisation Canara Organization for Development and Peace (CODP) in the district of Uttara Kannada. Purposive sampling was used to choose 80 SHG members, and a structured questionnaire was used in a descriptive survey methodology to gather data from them. According to the research, obtaining economic self-reliance, acquiring credit facilities, forming saving habits, and gaining socio-political empowerment are the main reasons people join Self-Help Groups (SHGs). The research also looks at SHGs' operational lifespans and important effects, such as higher incomes, better household nutrition, education for dependents, self-employment, and enhanced social and political consciousness, among other advantages. According to the research, microfinance positively impacts women's empowerment through the SHG-Bank Linkage Programme, which raises their social and economic standing, encourages savings, and makes financial services accessible. Recommendations for raising awareness, educating, and training SHG members are included in the study's conclusion.
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