Indian Journal of Finance

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Women's Access to Rural Credit and Micro Finance in West Bengal


Affiliations
1 Assistant Professor, Supreme Knowledge Foundation, MAKAUT University, Chandannagar, Dist-Hooghly, West Bengal-712 139, India
2 Associate Professor, KIIT School of Management, KIIT University, Patia, Bhubaneswar, Odisha-751 024, India

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The present paper examined the status of women in the state of West Bengal on the basis of microfinance. The paper is based on secondary data collected from published trend analysis report of NABARD from the year 2009-10 to the year 2014. The study was conducted on four types of banks, namely public sector banks, private sector banks, regional rural banks, and cooperative banks taken as the independent variable ; savings amount, total loan disbursed amount, outstanding loan amount were considered as the dependent variables. An attempt was made in the present study to analyze the data related to microfinance for women in the state of West Bengal by using a statistical tool, MANOVA. The analysis of the data found out that there is significant mean variation between the three variables of the four types of banks.

Keywords

Women Empowerment, Savings, Total Loan Disbursed, Outstanding Loan, Microfinance, Public Sector Banks, Private Sector Banks, Regional Rural Banks, Cooperative Banks

G21, J16, R51, O18

Paper Submission Date: April 1, 2015 ; Paper sent back for Revision : July 15 2015 ; Paper Acceptance Date : March 5 , 2016.

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  • Women's Access to Rural Credit and Micro Finance in West Bengal

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Authors

Sulagna Das
Assistant Professor, Supreme Knowledge Foundation, MAKAUT University, Chandannagar, Dist-Hooghly, West Bengal-712 139, India
B.C.M. Patnaik
Associate Professor, KIIT School of Management, KIIT University, Patia, Bhubaneswar, Odisha-751 024, India

Abstract


The present paper examined the status of women in the state of West Bengal on the basis of microfinance. The paper is based on secondary data collected from published trend analysis report of NABARD from the year 2009-10 to the year 2014. The study was conducted on four types of banks, namely public sector banks, private sector banks, regional rural banks, and cooperative banks taken as the independent variable ; savings amount, total loan disbursed amount, outstanding loan amount were considered as the dependent variables. An attempt was made in the present study to analyze the data related to microfinance for women in the state of West Bengal by using a statistical tool, MANOVA. The analysis of the data found out that there is significant mean variation between the three variables of the four types of banks.

Keywords


Women Empowerment, Savings, Total Loan Disbursed, Outstanding Loan, Microfinance, Public Sector Banks, Private Sector Banks, Regional Rural Banks, Cooperative Banks

G21, J16, R51, O18

Paper Submission Date: April 1, 2015 ; Paper sent back for Revision : July 15 2015 ; Paper Acceptance Date : March 5 , 2016.




DOI: https://doi.org/10.17010/ijf%2F2016%2Fv10i4%2F90800