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Volume : I, Issue : V, June - 2011 Micro credit penetration through Self Help Groups: Clues from growth of SHG -Bank Linkage model in India Parvathi Venkatesh and Published By : Laxmi Book Publication Abstract : The purpose of this study is to analyse the phenomenal growth of SHGs in
India during the last two decades. The choice of the period is crucial as the
“empowerment” dimension of finance has been growingly appreciated at global
level in recent years.The estimated CAGR for two decades since 1992 to 2010
shows that there is a great scope for bank linkage with SHGs to expedite the
process of financial inclusion in India. When CAGR for the two decades is
bifurcated, it indicates an interesting trend to infer that the community based Bank
Linkage Model has been overshadowed by Commercial based model led by MFI
on-lending since the turn of millennium. The study, in addition to the analysis of
quantitative expansion, also evaluates certain qualitative issues; the outreach of
Linkage model is examined more specifically in terms of savings linked SHGs and
credit linked SHGs. Further by throwing light on loans of SHGS outstanding with
Banks and Non Performing Assets of bank loans of SHGs, the scalability of sound
FI initiative are examined. The empirical evidence is obtained to show that the
overall growth of SHGs over the past two decades has an important dimension of
women empowerment as more than 70 percent of these groups are concentrated by
women. Keywords : Article : Cite This Article : Parvathi Venkatesh and , (2011). Micro credit penetration through Self Help Groups: Clues from growth of SHG -Bank Linkage model in India. Indian Streams Research Journal, Vol. I, Issue. V, http://oldisrj.lbp.world/UploadedData/227.pdf References : - M.S.Sriram (2010) : “Microfinance: A fairy tale turns into nightmare” Economic and Political Weekly vol.XLV No 43 pp.10 -14
- Haron Habib :Bangladesh :crisis of the Grameen Bank : –opinion leader page articles in The Hindu online edition 5th April 2011
- http://www.nabard.org/microfinance/shglinkageprogress.asp: Report on Status of Micro Finance in India 09-10
- CRISIL inaugural issue (October 2009) ‘India’s Top 50 Microfinance Institutions :A financial awareness initiative of CRISIL’
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