Role of SHG in Rural Development

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Welcome 1

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ROLE OF SELF HELP GROUPS IN RURAL DEVELOPMENT

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3 INTRODUCTION Development of a nation is very much dependent on the development of rural people. Today, the real problem faced by every developing country like India is the poverty. The financial requirement is one of the basic needs of the poor rural people of the society for their socio-economic upliftment . Microfinance to Self Help Groups (SHGs) may be considered as a vital tool for meeting the financial requirement of those poorer sections of the society living in the rural areas.

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4 Since 1999, over 2.25 million Self-help groups have been established with an investment of Rs. 14,403 crores , profiting over 6.697 million people. The objective to bring the poor families above the poverty line by ensuring appreciable increase in income over a period of time, is to be achieved through a process of social mobilization, skill development training based on local requirement, and capacity building along with the provision of income-generating assets through a mix of bank credit and government subsidy.

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5 IMPACT OF SHGS ON RURAL DEVELOPMENT The SHGs contribute for the rural development in the following manner: 1. Inculcate saving habit The saving intervention under the groups in the SHGs helps to inculcate discipline on group members in developing saving habit, it increases the self confidence level of the women, and savings serve as cushion during calamities like flood, cyclone or any abnormal happenings in which there is requirement of funds.

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6 2. Increase income and standard of living In order to change the face of socio-economic scenario, micro enterprises and SHGs are playing significant role in the self-employment by raising the level of income and standard of living of the rural people.

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7 3. Alleviate poverty and promote economic independence Microfinance is playing a significant role in alleviating poverty, and rural development. Microfinance to the rural SHGs is a way to raise the income level and improve the living standards of the rural women. The Self Help Groups have proved the way for economic independence of rural women. The participants seem to transfer the loan source from friends and moneylenders to SHG loans to meet these expenses .

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8 4. Increase self confidence and self respect SHG movement is supposed to build economic self reliance of rural poor, overcome misuse and create confidence SHG members have savings in their name and it gives them confidence and increased self-respect. Involvement with SHG has reduced family violence due to reduction in economic difficulties.

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9 5. Generate self employment opportunities The implementation of SHG programme has generated Self-employment opportunities for the rural poor. The progress of the program since inception assisted 1.24 crore Swarozgaris in establishing their own micro-enterprises. The Government of India released Rs.14,403 crore under the program; bank credit mobilization is Rs.19,017 crore ; Total subsidy provided is Rs.9, 318 crore . From dairy to mechanised farming, weaving, poultry, food processing units, mushroom cultivation, rural India has been busy setting up micro-enterprises by forming SHGs.

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10 6 . Decision making and political leadership The social impact of the SHG program increased involvement in decision-making, awareness about various programs and organisations . The group formation brought out the hidden talent and leadership qualities among the members.

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11 7. More access to amenities After joining the SHG the members have improved in getting access to amenities like medical, sanitation, education, market, water supply, transport. Awareness of health related issues, personal hygiene, communicable diseases; effects of malnutrition, environmental issues, and sanitation have also increased as a result of training programs and their participation in the related projects.

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12 Thus, the Self-help Groups have been playing considerable role in training of Swarozgaris , infrastructure development, marketing and technology support, communication level of members, self confidence among the members , change in family violence, frequency of interaction with outsiders, change in the saving pattern of SHG members, involvement in politics, achieving social harmony, achieving social justice, involvement in community action, etc.

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13 socio-economic impact of SHGs on rural development

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14 CONCLUSION SHGs have done well in the country to alleviate poverty and empower rural people. The emergence of small enterprises and its activities have made a considerable contribution in the socio-economic development of rural poor in the society. The realization of the importance of SHGs in the economic development of rural India by the government of India is evident from the fact that it has established over 2.25 million SHGs.

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15 Thank you Dr.A . Jeyanthi , Associate Professor, GAC, Tiruchendur

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