Indian Journal of Finance

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The Growth and Impact of NABARD’s SHG-Bank Linkage Programme in India


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1 Research Associate, Department of Business Administration, Tezpur University, Assam, India

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Self-help groups have emerged as one of the means of eradicating poverty and enhancing access of the poor to banking facilities. NABARD's SHG-bank linkage programme is the largest microfinance initiative in the world. Microfinance services are provided through the existing banking network and NGOs. In last 16 years, the programme witnessed tremendous growth and progress. This paper compares the regional growth of the SHG-Bank linkage programme, and reviews its impact on issues like poverty, employment and social empowerment in India. The SHG-Bank linkage programme appears to have been most successful in the southern region of India. We find that the percentage of poor, in a region, declines with the increase in SHG concentration. In fact, the net household income increased significantly in the post-SHG era.
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  • The Growth and Impact of NABARD’s SHG-Bank Linkage Programme in India

Abstract Views: 184  |  PDF Views: 0

Authors

Pinky Dutta
Research Associate, Department of Business Administration, Tezpur University, Assam, India

Abstract


Self-help groups have emerged as one of the means of eradicating poverty and enhancing access of the poor to banking facilities. NABARD's SHG-bank linkage programme is the largest microfinance initiative in the world. Microfinance services are provided through the existing banking network and NGOs. In last 16 years, the programme witnessed tremendous growth and progress. This paper compares the regional growth of the SHG-Bank linkage programme, and reviews its impact on issues like poverty, employment and social empowerment in India. The SHG-Bank linkage programme appears to have been most successful in the southern region of India. We find that the percentage of poor, in a region, declines with the increase in SHG concentration. In fact, the net household income increased significantly in the post-SHG era.