Summary |
Micro-finance is recognized as a key strategy for poverty alleviation and empowerment women. Micro-finance, deployed through self-help groups, and actively involves women in the decision-making process so that they make substantial progress in making their lives economically mere productive and socially rewarding.
This book is based on the findings of a research study conducted on “Micro-Finance Programmes and Women Empowerment” in a backward region in the state of Andhra Pradesh. An in-depth study of the mechanism of micro-finance and the evolution of Self-Help Groups (SHGs), especially in the state of Andhra Pradesh which has the distinction of highest number of SHGS, are made. Besides, the distinct feature of this book is that it made a critical study of the differential impact of micro-finance on target group beneficiaries and non-beneficiaries with regard to employment creation, income generation, savings and expenditure pattern, and asset creation. Further, the repayment performance of the beneficiaries of SHGs and the participation of women beneficiaries in decision-making is studied. Problems of women beneficiaries are focused and suitable suggestions are offered for the effective operation of Self-Help Groups and their role in the economic empowerment of poor rural women through productive use of micro-finance.
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