Indian Journal of Finance

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Microfinance in Eastern India: The Role Played by Regional Rural Banks


Affiliations
1 Research Scholar, KIIT School of Management, KIIT University, KIIT Rd, Patia, Bhubaneshwar - 751 024, Odisha, India
2 Associate Professor, KIIT School of Management, KIIT University, KIIT Rd, Patia, Bhubaneshwar - 751 024, Odisha, India

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The present paper studied the microfinance status of the regional rural banks of Eastern India, which included the states of Bihar, Jharkhand, Odisha, and West Bengal for 3 years. The study was based on secondary data. To study made a comparative analysis with respect to the number of self-help groups, savings amount of the SHGs, total loan disbursed by SHGs, outstanding loan and NPAs of the SHGs for SHG scheme, SHG under SGSY scheme, and WSHG scheme. Lastly, the study also made an attempt to analyze and interpret the reasons for the differences.

Keywords

Microfinance, Outstanding Loan, Non-Performing Assets

G21, G34, O18, R51

Paper Submission Date : March 31, 2015 ; Paper sent back for Revision : July 7, 2015 ; Paper Acceptance Date : October 6 , 2015.

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  • Microfinance in Eastern India: The Role Played by Regional Rural Banks

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Authors

Sulagna Das
Research Scholar, KIIT School of Management, KIIT University, KIIT Rd, Patia, Bhubaneshwar - 751 024, Odisha, India
B. C. M. Patnaik
Associate Professor, KIIT School of Management, KIIT University, KIIT Rd, Patia, Bhubaneshwar - 751 024, Odisha, India

Abstract


The present paper studied the microfinance status of the regional rural banks of Eastern India, which included the states of Bihar, Jharkhand, Odisha, and West Bengal for 3 years. The study was based on secondary data. To study made a comparative analysis with respect to the number of self-help groups, savings amount of the SHGs, total loan disbursed by SHGs, outstanding loan and NPAs of the SHGs for SHG scheme, SHG under SGSY scheme, and WSHG scheme. Lastly, the study also made an attempt to analyze and interpret the reasons for the differences.

Keywords


Microfinance, Outstanding Loan, Non-Performing Assets

G21, G34, O18, R51

Paper Submission Date : March 31, 2015 ; Paper sent back for Revision : July 7, 2015 ; Paper Acceptance Date : October 6 , 2015.




DOI: https://doi.org/10.17010/ijf%2F2015%2Fv9i11%2F81133