Research Journal of Humanities and Social Sciences

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Self –Help Groups Bank Linkage Programme and Micro- Financing in North –East Region:An Overview


Affiliations
1 Dept. of Management, NEHU Tura Campus, India
2 Department of Humanities and Social Sciences, NIT Silchar, India
     

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In India, microfinance is provided mainly through two models: the SHG-Bank Linkage Model (SHG-BLM) and Microfinance Institution (MFI)-Bank Linkage Model. After1992, the programme has grown manifold in the case of the SHG-Bank Linkage Model. Today, the SHG -Bank Linkage Programme (SHG-BLP) is the largest microfinance programme in the world. The main objectives of the present paper is to highlight the growth of loan disbursement by Public Sector Banks through micro finance scheme to Self Help Groups (SHGs) in North-Eastern Region of India and to study the inter-state variations in case of savings, loan disbursements, and loan outstanding to SHGs among the North-Eastern States of India. The present study availed data from various secondary sources. The study found that the Loan disbursement by Public Sector Banks through Self Help Groups in North East Region has increased and the total savings of Self Help Group with Public Sector Banks was highest in case of Assam but Sikkim holds first place when it comes to savings per SHGs in North –East Region.

Keywords

Microfinance, Self Help Groups, NER Loan Disbursement, Savings of SHGs.
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  • Self –Help Groups Bank Linkage Programme and Micro- Financing in North –East Region:An Overview

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Authors

Mridul Barman
Dept. of Management, NEHU Tura Campus, India
Debabrata Sutradhar
Department of Humanities and Social Sciences, NIT Silchar, India

Abstract


In India, microfinance is provided mainly through two models: the SHG-Bank Linkage Model (SHG-BLM) and Microfinance Institution (MFI)-Bank Linkage Model. After1992, the programme has grown manifold in the case of the SHG-Bank Linkage Model. Today, the SHG -Bank Linkage Programme (SHG-BLP) is the largest microfinance programme in the world. The main objectives of the present paper is to highlight the growth of loan disbursement by Public Sector Banks through micro finance scheme to Self Help Groups (SHGs) in North-Eastern Region of India and to study the inter-state variations in case of savings, loan disbursements, and loan outstanding to SHGs among the North-Eastern States of India. The present study availed data from various secondary sources. The study found that the Loan disbursement by Public Sector Banks through Self Help Groups in North East Region has increased and the total savings of Self Help Group with Public Sector Banks was highest in case of Assam but Sikkim holds first place when it comes to savings per SHGs in North –East Region.

Keywords


Microfinance, Self Help Groups, NER Loan Disbursement, Savings of SHGs.

References