Credit Utilization Pattern of Members of Women SHGs and their Involvement in Decision Making in Udaipur, Rajasthan
2015
Tyagi, Seema
Despite progress in several key indicators, women generally have no control over land and other productive assets, which largely excludes them from access to institutional credit and renders them dependent on highcost informal sources of credit to secure capital for consumption and/or production purpose. To address to this pressing problem, the concept of Self Help Groups (SHG) gained momentum with thrift and credit activity in the last three decades and many SHGs have emerged in India. On this backdrop, present study attempted to explore the involvement of women members on these aspects. The study was conducted in Udaipur district of Rajasthan covering 20 SHGs (10 each organization formed by government and nongovernment organisation). The results highlighted that majority of the respondents from both GO and NGO (91.11 and 87.77%, respectively) availed credit from the groups for purchase of agricultural inputs, entrepreneurial activities, purchase of household items and animals. Cent per cent members from both GO and NGO had involvement ‘to a great extent’ in decisions related to credit requirement. The utilization of credit for entrepreneurial activity was relatively low (29–31%), that needs to be addressed so that the credit could be utilized to increase the participation of women into productive ventures, thereby increasing their sources of income and making women economically self dependent.
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