Do Savings Vary Across Regions? The Case of Shgs Linked With Public Sector Commercial Banks In India

Authors

  • Jharna Dutta Associate Professor Bharatiya Vidya Bhavan Institute of Management Science, Kolkata
  • Sudipta Ghosh Assistant Professor Prabhat Kumar College Contai

DOI:

https://doi.org/10.33516/maj.v58i7.99-103p

Keywords:

No Keywords

Abstract

One of the powerful approaches to rural empowerment and rural entrepreneurship is the formation of SHGs. For mutual benefits, the SHGs and formal banking structure can work together. Thus, opening of saving bank account is the first step in this direction. In this context, the study attempts to examine whether there is any significant variation in regionwise savings performance of the SHGs linked with public sector commercial banks in India during the year 2021-2022. For this purpose, secondary data is used and the technique of one-way ANOVA has been applied in the study.

It may be concluded that average savings of the SHGs have not varied significantly among the regions in India. However, Uttarakhand, Andaman & Nicobar, Sikkim, Tripura, New Delhi, and Daman & Diu UT have shown better relative efficiency in savings performance as compared to other States / UT in India. Hence, this study suggests for establishment of more SHGs in those areas where relative efficiency of savings performance are better. This will help to achieve better financial inclusion in the economy.

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Published

2023-07-31

How to Cite

Dutta, J., & Ghosh, S. (2023). Do Savings Vary Across Regions? The Case of Shgs Linked With Public Sector Commercial Banks In India. The Management Accountant Journal, 58(7), 99–103. https://doi.org/10.33516/maj.v58i7.99-103p

Issue

Section

RURAL EMPOWERMENT

References

Annual Reports of NABARD (2021-22).

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https://daynrlmbl.aajeevika.gov.in/Circulars/Handbook%20 on%20SHG.pdf

https://www.epw.in/journal/2021/5/special-articles/ performance-self-help-groups-india.html

Hundekar, V.R. (2018). An empirical study on Financial Inclusion through Self Help Groups Bank Linkage Programme – An Economic Catalyst to Transform Rural India. SIMSARC.

Muthu, N. (2021). Progress of Self Help Group-Bank Linkage Programme in India.Shanlax International Journal of Economics, 9(2), 41-51.

Narang, U. (2012). Impact of Self- Help Groups Bank Linkage Programme in India. International Journal of Trade and Commerce-IIARTC, 1(2), 220-228.

Reddy, A.A. and Malik, D.P. (2011). A Review of SHG-Bank Linkage Programme in India. Indian Journal of Industrial Economics and Development, 7(2), 1-10.

Al-Kubati, N.A. and Selvaratnam, D.P. (2021). Empowering women through the Self-Help Group Bank Linkage Programme as a tool for sustainable development: lessons from India. Oxford University Press and Community Development Journal, 00(00), 1-26.

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