Record Details

EMPOWERMENT SUSTENANCE AMONG WOMEN SELF HELP GROUPS THROUGH MICRO FINANCE ACTIVITIES - A CRITICAL ANALYSIS

KrishiKosh

View Archive Info
 
 
Field Value
 
Title EMPOWERMENT SUSTENANCE AMONG WOMEN SELF HELP GROUPS THROUGH MICRO FINANCE ACTIVITIES - A CRITICAL ANALYSIS
 
Creator PREETHI MANUKONDA
 
Contributor JAMUNA RANI, B
 
Subject biological phenomena, participation, economics, credit, marketing, economic systems, manpower, finance, markets, self help
 
Description The empowerment of women, improvement of their status and economic roles
need to be integrated into economic development programmes, as the development of
any country is inseparably linked with the status and development of women.
Experiences from world over have shown that provision of credit, promotion of
enterprise creation and income generating activities among women, especially in groups
would transform them from ‘being alive’ to ‘living with dignity’. Micro-Finance as a
tool of poverty alleviation and women empowerment has gained acceptance in
development for both consumption and production purposes. It is also an accepted fact
that the success of SHGs as a development tool depends on the availability of micro
finance. Empowerment sustenance is identified as a major factor for the active
performance of a self help group. Hence, the present study was designed to study the
Empowerment Sustenance of women self help groups through micro finance activities,
in three regions of Andhra Pradesh.
Ex-post facto research design was used for conducting the study. The three
regions of Andhra Pradesh namely Telangana, Rayalaseema and Andhra have been
selected for the study. One district from each region namely Nalgonda, Chittoor and
East Godavari were selected purposively for having highest number of SHGs in
operation. Four mandals from each district with highest longevity and two villages from
each mandal were selected randomly. 10 women from each village making a total of
240 women were selected by simple random sampling method.
The empowerment sustenance was measured by developing an index called
Empowerment Sustenance Index (ESI) which was operationalized as fourteen indicators
of ESI namely Group Approach, Group motivation and participation, Interpersonal
Relationships, Access to Development Programmes, Power in local polity, Participation
in MFIs, External resource mobilisation, Change in Gender Dynamics, Thrift and Credit
activities, Group leadership and Achievement levels of SHG were identified to measure
ESI. Moreover, nineteen independent variables were chosen for the study that
influenced both the dependent variables viz. empowerment and empowerment
sustenance.
The following findings emerged from the present investigation.
Distribution of respondents based on personal, social, economic, psychological,
situational and group related characteristics showed that majority of the respondents
belonged to the high category with regard to market facilities, achievement motivation
and supportive environment for measurement of empowerment and empowerment
sustenance among SHG women. Except for the variables group loafing and financial
assistance obtained where majority fell under low category, for the rest of the variables
majority of them were found to be in medium category.
Out of the fourteen indicators of Empowerment Sustenance Index majority of
the respondents were in the higher category for Group motivation and participation,
interpersonal relationships, economic independence, Change in gender dynamics, Thrift
and credit activities of SHGs and Achievement levels of SHGs. For indicators like
Access to development programmes, Power in local polity and External Resource
mobilisation in SHGs the majority of respondents were in low category and for the rest
of indicators they were in medium category.
The empowerment of SHG women was measured in two dimensions namely
process and product empowerment. Except for desire to control dimension of process
empowerment where majority of respondents fell in high category, in all the other
dimensions, majority of respondents were found to be in medium category. With regard
to product empowerment, except for the dimension, managerial competencies, where
majority of respondents fell in medium category, in all the other dimensions majority of
respondents were found to be in high category.
Simple correlation analysis of independent variables with empowerment of SHG
women revealed that age, education, family size, occupation, family income,
community participation, market facilities, risk orientation and supportive environment
were positively significant to empowerment while caste, family type and group loafing
were found to be negatively significant to empowerment.
The results of regression analysis inferred that family size, family type,
occupation, family income, risk orientation and team spirit were found to be significant
at 0.01 percent level of probability with empowerment of SHG women while, working
age of the group and group loafing were found to be negatively significant.
With regard to empowerment sustenance, simple correlation analysis of
independent variables revealed that education, family size, occupation, community
participation, family income, market facilities, risk orientation, supportive environment
and team spirit were found be positively significant while caste, group loafing and
family type were found to be negatively significant.
Multi linear regression analysis showed that family size, occupation,
participation in community activities, family income, indebtedness, achievement
motivation, supportive environment and team spirit were positively significant at 0.01
level, while family type and group loafing were negatively significant to empowerment
sustenance of SHG women.
Step down regression analysis of independent variables with empowerment of
SHG women indicated that 69.49 per cent variation was explained by eight variables
alone viz. age, caste, occupation, participation in group activities, family income,
achievement motivation, risk orientation and group loafing.
Significant variation in empowerment among selected SHG groups was found
with F value being 4.13 indicating significant variation in empowerment between the
groups, in three districts.
Step down regression analysis of empowerment sustenance with independent
variables indicated that 63.02 percent variation was explained by seven variables alone
viz., education, occupation, participation in group activities, family income,
achievement motivation, working age of the group and financial assistance obtained.
A significant variation in empowerment sustenance was found between selected
SHG groups with F value showing 11.43, indicating considerable variation with in the
groups in three districts.
The major problems expressed by SHG women were lack of adequate credit,
lack of education, training and managerial skills, long durations of loan processing and
high costs of production. The major suggestions given by SHG women include
provision of adequate credit at low interest rates, training by competent trainers,
fabrication of programmes for education and provision of sales outlets at mandal level.
A strategy for making the SHG women self reliant was suggested based on the
findings of the study.
 
Date 2016-06-07T15:10:51Z
2016-06-07T15:10:51Z
2011
 
Type Thesis
 
Identifier http://krishikosh.egranth.ac.in/handle/1/66973
 
Language en
 
Relation D8858;
 
Format application/pdf
 
Publisher ACHARYA N.G. RANGA AGRICULTURAL UNIVERSITY