yuva shg original doc 1

8/7/2019 Yuva Shg Original Doc 1

1/24

Mrs.N.Saraswathi,M.Com.,M.Phil.,B.Ed.,

Lecturer in Commerce,

Shrimati Indira Gandhi College,

Trichirapalli 620 002.

CERTIFICATE

This is to certify that the project work done under my guidance

and the dissertation entitled A STUDY ON WOMEN

EMPOWERMENT THROUGH SELF HELP GROUPS IN

KONDAYAMPALAYAM VILLAGE IN COIMBATORE

DISTRICT submitted by A.YUVARANI(Reg. No.P08110688) in

partial fulfillment of the requirement for the award of MASTER OF

COMMERCE for the academic year 2009-2010. This dissertation is theoriginal work of the candidate.

Signature of the Candidate Signature of the Guide

Signature of the Head of the Department


2/24

ACKNOWLEDGEMENT

I am sincerely grateful to the ALMIGHTY for the enlighten and

blessings showed on me, for the successful completion for my project work.

I deem it my pleasure to express my sincere gratitude and

thanks to the BHARATHIDASAN UNIVERSITY for giving an

opportunity in carrying out the project work.

I convey my sincere thanks to our Principal

Dr.(Mrs.).K.MEENA,M.Sc.,M.Phil.,M.I.E.,M.E.,Ph.D.,(C.S. & Engg.),

Shrimati Indira Gandhi college, Trichy, who provided me with all

facilities to enable me to do my project work with interest and care.

Further I wish to express my high esteem and deep sense of

gratitude to Mrs.A.HEMALATHA,M.Com.,M.Phil.,D.A.P., HEAD OF

THE DEPARTMENT OF COMMERCE for her support in the successful

execution of the project work.

With whole heart, I sincerely thank my respected guide

Mrs.N.SARASWATHI,M.Com.,M.Phil.,B.Ed., who has helped and

guided me and has been in every sphere of the process of doing the project

with me.My special thanks are to my family members and my friends

for their ideas in shaping this project.


3/24


4/24


5/24


6/24


7/24


8/24


9/24


10/24

A Study on Women Empowerment through Self Help

groups in Kondayampalayam village

in Coimbatore District

I . Details about the Self Help Groups

1. Name of the SHG :

2. Total members :

3. Date of Establishment :

4. Name of the bank :

5. Initial contribution made

by members :

6. Members monthly savings :

7. Does the group have any

conduct with NGO :

8. Are all the members Insured :

9. Rate of interest for loans :

10. Any specific business is Undergone

by the group Members altogether :


11/24

QUESTIONNAIRE

1. Name of the member :

2. Fathers / Husbands name :

3. Age :

4. Name of the SHG :

5. Village :

6. District/Taluk :

7. Community :

8. Annual income of the

Family :

9. Educational qualification :

a. Illiterate b. Elementary education

c. High school education d. Higher secondary education

e. Graduation

10. How do you join in SHG ?

a. Voluntarily b. NGO

c. Relatives d. Other women


12/24

11. Basic reason for becoming a member of SHG?

a. Poverty b. To empower

c. Commence new business d. To improve the business

12. Are you married ?

a. Yes b. No

c. Widow d. Others

13. Type of Occupation : -------------------------

14. Did you borrow money ?

a. Yes b. No

15. Before becoming SHG member where you have borrowed

money?

a. Chit fund b. Bank

c. Friends & relatives d. Private lenders

16. Have you repaid your loan regularly ?

Yes / No

If no, list the reason :

a. Low income b. High interest rate

c. Family problems d. Others


13/24

17. For what purpose do you loan from SHG?

a. Production b. Consumption

c. Social cultural d. Emergency or others

18. Did you pay the loan at regular intervals ?

Yes/No

If yes means, due to :

a. Improved income b. Low interest rate

c. Others.

19. Whether the family members allow you to join in SHG ?

Yes/No

20. Do you have any savings after joining in SHG?

Yes/No

If yes, where your savings are invested?

a. Post office b. Bank c. LIC

d. Chit fund e. Others


14/24

21. Do you have involved in any other activities for the

development of the village ?

a. Physical work b. Financial work

c. With SHG d. Others e. NIL

22. Have you participated in any program conducted by the village

organization ?

a. Social awareness b. Cultural program

c. Political events d. Others e. NIL

23. The time gap with in the meeting being conducted :

a. Once in a week b. Once in 15 days

c. Once in a month

24. Are you doing any business before joining SHG?

Yes/No

If yes, what difficulty did you faced in your business?

a. Financial problem b. Marketing

c. Training d. Others


15/24

25. Did the problems overcome?

Yes/No

If yes means how?

a. By loan from the SHG b. By training given

d. By marketing assistance provided e. Others.

26. What are the benefits derived by SHG members?

a. Habit of saving b. Economic independence

c. Self confidence d. Additional Employment

e. Others

27. Whether your family status has improved?

Yes/No

28. After becoming the member of SHG the socio economic

status of women changed?

Yes/ No

If yes, do you satisfy about your economic needs after joiningin SHG?

a. Satisfied b. Fairly satisfied

c. Not satisfied


16/24

29. What is your suggestions to improve the SHG?

(1) --------------------------------------------------------

(2) --------------------------------------------------------


17/24

INDEX

CHAPTER CONTENTS PAGE NO.

I INTRODUCTION 1

II REVIEW OF LITERATURE 8

III PROFILE OF THE AREA AND

DETAILS ABOUT THE SHGs

41

IV DATA ANALYSIS AND

INTERPRETATION

52

V FINDINGS, SUGGESTIONS

AND CONCLUSION

111

BIBLIOGRAPHY

QUESTIONNAIRE


18/24

LIST OF TABLES

TABLE

NO.

TITLES PAGE

NO.

4.1 AGE-WISE CLASSIFICATION 53

4.2 EDUCATIONAL DISTRIBUTION OF

RESPONDENTS

55

4.3 MARITAL STATUS OF THE

RESPONDENTS

57

4.4 ANNUAL INCOME DISTRIBUTIONOF THE RESPONDENTS

59

4.5 KNOWLEDGE TO JOIN IN SHGs 61

4.6 REASONS FOR JOINING IN SHGs 63

4.7 FAMILY MEMBERS RESPONSE 65

4.8 OCCUPATIONAL STATUS OF THE

RESPONDENTS

67

4.9 PROCEDURE OF THE BANKS IN

SANCTIONING LOAN

69

4.10 BORROWING STATUS OF THE

RESPONDENTS

71

4.10.1 PLACES FROM WHERE

RESPONDENTS BORROW MONEY

73

4.11 LOAN REPAYMENT MODE OFRESPONDENTS

75

4.11.1 REASONS FOR NOT PAYING

LOANS REGULARLY

77


19/24

4.12 PURPOSE-WISE CREDIT

DEMANDED BY SHG MEMBERS

79

4.13 LOAN REPAYMENT MODE AFTER

JOINING IN SHGs

81

4.13.1 REASONS FOR PAYING LOANS

REGULARLY

83

4.14 SAVING HABIT OF THE

RESPONDENTS

85

4.14.1 PLACES WHERE SAVING S ARE

INVESTED

87

4.15 ACTIVITIES INVOLVED FOR

DEVELOPMENT OF VILLAGE

89

4.16 PARTICIPATION IN THE VILLAGE

PROGRAMMES

91

4.17 RESPONDENTS MEETING

WITHIN THE GROUP

93

4.18 RESPONDENTS DOING BUSINESS 95

4.18.1 PROBLEMS FACED IN DOING

BUSINESS

97

4.19 PROBLEMS OVERCOME IN

BUSINESS

99

4.19.1 FACTORS TO OVERCOME

BUSINESS

101

4.20 BENEFITS DERIVED BY SHGMEMBERS

103

4.21 FAMILY STATUS AFTER JOINING

IN SHG

105


20/24

4.22 ECONOMIC STATUS OF THE

RESPONDENTS

107

4.22.1 RESPONDENTS SATISFACTION

TOWARDS THEIR ECONOMICNEEDS

109


21/24

LIST OF CHARTS

CHART

NO.

TITLES PAGE

NO.

1 AGE-WISE CLASSIFICATION 54

2 EDUCATIONAL DISTRIBUTION OF

RESPONDENTS

56

3 MARITAL STATUS OF THE

RESPONDENTS

58

4 ANNUAL INCOME DISTRIBUTIONOF THE RESPONDENTS

60

5 KNOWLEDGE TO JOIN IN SHGs 62

6 REASONS FOR JOINING IN SHGs 64

7 FAMILY MEMBERS RESPONSE 66

8 OCCUPATIONAL STATUS OF THE

RESPONDENTS

68

9 PROCEDURE OF THE BANKS IN

SANCTIONING LOAN

70

10 BORROWING STATUS OF THE

RESPONDENTS

72

10.1 PLACES FROM WHERE

RESPONDENTS BORROW MONEY

74

11 LOAN REPAYMENT MODE OFRESPONDENTS

76

11.1 REASONS FOR NOT PAYING

LOANS REGULARLY

78


22/24

12 PURPOSE-WISE CREDIT

DEMANDED BY SHG MEMBERS

80

13 LOAN REPAYMENT MODE AFTER

JOINING IN SHGs

82

13.1 REASONS FOR PAYING LOANS

REGULARLY

84

14 SAVING HABIT OF THE

RESPONDENTS

86

14.1 PLACES WHERE SAVING S ARE

INVESTED

88

15 ACTIVITIES INVOLVED FOR

DEVELOPMENT OF VILLAGE

90

16 PARTICIPATION IN THE VILLAGE

PROGRAMMES

92

17 RESPONDENTS MEETING

WITHIN THE GROUP

94

18 RESPONDENTS DOING BUSINESS 96

18.1 PROBLEMS FACED IN DOING

BUSINESS

98

19 PROBLEMS OVERCOME IN

BUSINESS

100

19.1 FACTORS TO OVERCOME

BUSINESS

102

20 BENEFITS DERIVED BY SHGMEMBERS

104

21 FAMILY STATUS AFTER JOINING

IN SHG

106


23/24

22 ECONOMIC STATUS OF THE

RESPONDENTS

108

22.1 RESPONDENTS SATISFACTION

TOWARDS THEIR ECONOMICNEEDS

110


24/24

BIBLIOGRAPHY

MAGAZINES

1. Facts for you, published by EFY, May 2009, Vol.29.

2. Professional Banker, published by The Icfai University Press,

Jan 2009, Vol.IX, issue-1.


July 2009, Vol.IX, issue-7.


Sep 2009, Vol.IX, issue-9.


Dec 2009, Vol.IX, issue-12.


Feb 2010, Vol.X, issue-2.

WEBSITES

www.sevai.org

www.gramalaya.org

www.google.com

yuva shg original doc 1

Documents