International Research Journal of Agricultural Economics and Statistics

Open Access Open Access  Restricted Access Subscription Access
Open Access Open Access Open Access  Restricted Access Restricted Access Subscription Access

A Study on Credit Utilization Pattern of Women Self-Help Groups in South Konkan Region


Affiliations
1 Department of Agricultural Economics, Dr. B.S. Konkan Krishi Vidyapeeth, Dapoli, Ratnagiri (M.S.), India
     

   Subscribe/Renew Journal


The present study was carried out in South Konkan Region purposively. From Ratangiri district Dapoli, Khed and Guhaghar while from Sindhudurg district Kudal, Devgad and Kankavali tahsils were selected. From each tahsil, ten SHGs and five members of each SHG were selected randomly. Thus, final sample consisted of 60 SHGs, 300 SHG members. The selected SHGs were categorized taking into consideration group activities performed by SHG. The SHGs were classified as farming activities, agro-processing activities and non-farming activities. Loan taken from different sources i.e. banks, co-operative societies and relatives. Loan amount taken from bank was Rs.139250. Loan amount taken by agro-processing category was highest (Rs.153250), followed by non-farming (Rs.136896.55) and farming (120000) category. There was increase in the credit availed by the SHGs over a period of time. At overall level amount repaid to bank by SHGs was Rs.46613. As regards to category wise repayment of loan by farming, agro-processing and non-farming was Rs. 39916.36, Rs.59770 and Rs. 40079.31, respectively. The SHG members utilized loan for productive purposes borrowed from bank (59.23%) and SHGs (50.64%) followed by non-productive purposes borrowed from co-operative societies (92.06%) and relatives (70.86%).

Keywords

Credit, Sources of Loan, Repayment.
Subscription Login to verify subscription
User
Notifications
Font Size


  • Antwal, P.N.,Bellurkar, C.M. and Rathod, S.M. (2015). Dynamics and performance of women self help groups from Hingoli district. Internat. J. Appl. Soc. Sci., 2 (3&4) : 69-77.

  • Feroze, S.M., Chauhan, A. K., Malhotra, R. and Kadian, K.S. (2011). Factors influencing group repayment performance in Haryana: Application of Tobit Model. Agric. Econ. Rev., 24 : 57-65.

  • Ganesamurthy, V.S., Krishnan, M.K. Radha, Bhuvaneswari, S. and Ganesan, A. (2004). A study on Thrift and credit utilization pattern of self-help group (SHG) in Lakshmi Vilas Bank Suriyampalayam Branch, Erode. Indian J. Mktg., 34 (1) :12-14.

  • Manjunath, M.(2008). Microcredit in fisheries sector. Financ. Agric., 40 (2): 10-14.

  • Mohite, D.P. (2003). Performance of self-help groups in Ratnagiri district- An economic analysis. M.Sc. (Ag.) Thesis, Dr. B.S. Konkan Krishi Vidyapeeth, Dapoli, Ratnagiri, M.S. (INDIA).

  • Nalini,M.S.,Patil, Suresh S., Lokesha, H.,Deshmanya, Jagrarthi B. and Maraddi, G. N. (2013). Impact of self-selp groups on rural economy in North East Karnataka. Karanataka J. Agric. Sci., 26 (2):220-223.

  • Puhazhendhi, V. and Satyasai, K.I.S. (2000). Microfinance for rural people - An impact evalution. NABARD Publication, Mumbai (M.S.) INDIA.

  • Sale, Y.C., Pagire, B.V. and Shinde, H.R. (2001). Mahila bachat gat: An exemplary story of Ahamednagar district. Indian J. Agric. Econ., 56 (3): 476-477.

  • Singh, Nayantara (2015). Microcredit in the context of women empowerment : A Brief Review. Internat. J. Appl. Soc. Sci., 2 (9&10;) : 308-312.

  • Tilekar, S.N., Naikade, N.J.,Deshmukh, B.J. and Patil, A.A. (2001). Women self-help groups affiliated to ‘Chaitanya’: A case study in Pune district. Indian J. Agric. Econ., 56 (3): 458.


Abstract Views: 415

PDF Views: 1




  • A Study on Credit Utilization Pattern of Women Self-Help Groups in South Konkan Region

Abstract Views: 415  |  PDF Views: 1

Authors

M. G. Lagare
Department of Agricultural Economics, Dr. B.S. Konkan Krishi Vidyapeeth, Dapoli, Ratnagiri (M.S.), India
J. M. Talathi
Department of Agricultural Economics, Dr. B.S. Konkan Krishi Vidyapeeth, Dapoli, Ratnagiri (M.S.), India
A. C. Deorukhakar
Department of Agricultural Economics, Dr. B.S. Konkan Krishi Vidyapeeth, Dapoli, Ratnagiri (M.S.), India
P. J. Kshirsagar
Department of Agricultural Economics, Dr. B.S. Konkan Krishi Vidyapeeth, Dapoli, Ratnagiri (M.S.), India

Abstract


The present study was carried out in South Konkan Region purposively. From Ratangiri district Dapoli, Khed and Guhaghar while from Sindhudurg district Kudal, Devgad and Kankavali tahsils were selected. From each tahsil, ten SHGs and five members of each SHG were selected randomly. Thus, final sample consisted of 60 SHGs, 300 SHG members. The selected SHGs were categorized taking into consideration group activities performed by SHG. The SHGs were classified as farming activities, agro-processing activities and non-farming activities. Loan taken from different sources i.e. banks, co-operative societies and relatives. Loan amount taken from bank was Rs.139250. Loan amount taken by agro-processing category was highest (Rs.153250), followed by non-farming (Rs.136896.55) and farming (120000) category. There was increase in the credit availed by the SHGs over a period of time. At overall level amount repaid to bank by SHGs was Rs.46613. As regards to category wise repayment of loan by farming, agro-processing and non-farming was Rs. 39916.36, Rs.59770 and Rs. 40079.31, respectively. The SHG members utilized loan for productive purposes borrowed from bank (59.23%) and SHGs (50.64%) followed by non-productive purposes borrowed from co-operative societies (92.06%) and relatives (70.86%).

Keywords


Credit, Sources of Loan, Repayment.

References