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Microfinance Self-Help Groups in India

By Frances Sinha
ISBN: 9781853396564
For the first time, detailed field research probes beneath the surface of world-renowned SHGs. It explores both social and financial performance in the SHG movement. This text reveals that whilst there are important achievements, especially on the social side, without more strategic attention and more resources these are unlikely to be sustainable.

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Microfinance Self-Help Groups in India View Jacket

  • Synopsis
    Self-Help Groups (SHGs), a means of reaching rural women with savings and credit services, have taken off dramatically in India, where an estimated 25 million women are members. Their benefits are social as well as economic: SHGs encourage women to become active in village affairs, or take action against domestic violence, the dowry system, or the lack of schools. But some questions remain. How effective and transparent are the groups in managing their finances? Are the groups sustainable? Do the poorest benefit? What does it take for SHGs to mobilize for social action? How effective are such actions? For the first time, detailed field research probes beneath the surface of India’s world-renowned SHGs. It explores both social and financial performance in the SHG movement. This text reveals that whilst there are important achievements, especially on the social side, without more strategic attention and more resources these are unlikely to be sustainable.
  • Table of Contents
    Prelims (Contents, Foreword by Kim Wilson, Figures, Tables, Boxes, Preface and acknowledgements, Acronyms and abbreviations, About the authors)
    PART ONE: STUDY CONTEXT AND DESIGN
    1. Study design: objectives and methodolgy
    2. Sample Profile: villages, SHGs, SHPAs
    PART TWO: OUTREACH
    3. SHG Members
    4. Who does not join?
    5. Drop-outs
    PART THREE: SOCIAL ROLE
    6. SHGs and local politics
    7. SHG's and social harmony
    8. SHGs and social justice
    9. SHG's and communities
    PART FOUR: SUSTAINABILITY
    10. Group records
    11. Equity within groups
    12. Defaults and recoveries
    13. Group sustainability - financial value
    PART FIVE: IMPLICATIONS
    14. Conclusions
    Back Matter (Bibliography, Glossary, Index)
  • Endorsements
    ‘This book is honest and bold in its assessment of Self-help Groups and their effectiveness at the community level. …Practitioners who believe in mainstreaming SHGs, thereby linking the poor directly with the financial institutions, will find this book very useful.’ Vijayalakshmi Das, CEO, Friends of Women’s World Banking ‘This book, by well-known specialists on Indian microfinance, is essential reading for those wishing to learn about the development implications of the explosive growth in Self-Help Groups (SHGs) in India. …The research evidence is presented clearly and is used by the authors to draw significant policy conclusions both for Indian microfinance and for the global growth of this important sector.’ M artin Greeley, Institute of Development Studies, University of Sussex, UK
  • Details
    Sub Title N/A
    Author Frances Sinha
    Editor No
    Number of Pages 190
    Format Paperback / softback