ijrcm-1-IJRCM-1_vol-5_2014_issue-11-art-09.pdf

8/18/2019 ijrcm-1-IJRCM-1_vol-5_2014_issue-11-art-09.pdf

1/14


2/14

VOLUME NO. 5 (2014), ISSUE NO. 11 (NOVEMBER) ISSN 0976-2183

INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE & MANAGEMENTA Monthly Double-Blind Peer Reviewed (Refereed/Juried) Open Access ntern!tion!l e-Journ!l - ncluded in the ntern!tion!l "eri!l Directories

http4//i5rc3or&in/

ii

ONTENTS

Sr.No. TITLE & NAME OF THE AUTHOR (S)

PageNo.

1 INNOVATION CAPABILITY AND KNOWLEDGE FLOW OF INFORMATION COMMUNICATIONTECHNOLOGIES: EMPIRICAL STUDY OF COMPARISON BETWEEN INDIA AND CHINACHUN-YAO TSENG

1

2 FDI IN INDIAN MULTI-BRAND RETAIL-CONSUMER PERSPECTIVENEERAJA T S, ROSMIN JOHN, SHANA XAVY & SHERIN ALICE PHILIP

5

3 A STUDY OF INVESTORS BEHAVIOR IN NEPALESE STOCK MARKETDR. SAROJ PANT & AMIT DUMKA

12

! AN ANALYSIS ON INDO-CHINA TRADE AND ECONOMIC RELATIONS IN THE POST-LIBERALISATIONERA

SHAILZA DUTT & DR. RAJENDER DEV PANWAR

1"

5 FERTILI#ER MARKETING IN CHHATTISGARH: UNDERLYING PROBLEMS AND SOLUTIONS ABHISHEK KUMAR PATHAK, DR. PUSHKAR DUBEY & DR. SANJAY PANDEY

25

$ GREEN MARKETING AND ITS IMPACT A. K. NEERAJA RANI, J. ARAVIND & T. PRASAD

3%

GROWTH OF INDIAN MUTUAL FUND INDUSTRY: AN OVERVIEWDR. B. VIJAYA & PRAKASH. T. TALWAR

32

" CONSUMER PREFERENCE TOWARDS THE PACKAGING ELEMENTS OF FMCG PRODUCTS INTIRUVARUR TOWN

S.SRIDEVI & DR. R. KRISHNAVENI

3

' A STUDY ON THE ROLE OF SELF HELP GROUP IN WOMEN EMPOWERMENTDR. ASHOK JHAWAR & PRIYANKA CHAWLA

!%

1% CUSTOMER SATISFACTION WITH BANKING SECTOR SERVICESS. HEMALATHA & DR. B. BASKARAN

!$

11 PROFITABILITY OF TRADERS ENGAGED IN BANDHEJ CRAFTDR. RUBY JAIN & AMBIKA TIWARI

!"

12 FOREIGN DIRECT INVESTMENT IN RETAIL: HOW IS IT IMPORTANT FOR THE GROWTH OFECONOMY(

SONIA KAMBOJ & SAKSHI MITTAL

55

13 RURAL MARKETING IN INDIA: ISSUES AND CHALLENGES ANJU DAGAR

$%

1! E)PLORING CORPORATE SUSTAINABILITY: A STUDY WITH SPECIAL REFERENCE TO TATACONSULTANCY SERVICES

PAROMITA DUTTA

$3

15 IMPACT OF CONSUMER PROTECTION LAWS ON WOMEN CONSUMERS IN MADURAI DISTRICTDR. A. RAMASETHU

$"

1$ A COMPARATIVE STUDY OF ROLE STRESS AMONG PUBLIC SECTOR & PRIVATE SECTOR BANKEMPLOYEES

DR. ADITYA SHARMA & CHHAYA PARIHAR

1

1 A STUDY ON WOMEN EMPOWERMENT THROUGH SELF-HELP GROUPS *SHG+,PARIVINA A. TORAGALL & BRIJMOHAN VYAS.

!

1" A STUDY OF RISK APPETITE AMONG INVESTORS IN BANGALORE CITY AMITH K N & RAKESH H M

"3

1' COMMUNICATION SYSTEMS AS DETERMINANTS OF EFFECTIVE MANAGEMENT FORORGANI#ATIONAL GOALS ACHIEVEMENT IN A TERTIARY INSTITUTION IN OGUN STATE NIGERIA

FEJOH, JOHNSON

'2

2% A STUDY ON ACTIVE LEARNING AND REWARDING LEARNER PARTICIPATION: RURAL INDIAN

CONTE)TMALLIKA A SHETTY

'$

RE.UEST FOR FEEDBACK & DISCLAIMER 1%%


3/14



http4//i5rc3or&in/

iii

HIEF PATRON

PROF/ K/ K/ AGGARWAL,h!ir3!n% M!l!viy! '!tion!l nstitute of 6echnolo&y% J!ipur

(A !"#!#$#% ' N#!) I*+#% & '$)) '$/%/ 0 M!!"# ' H$* R%"$% D%1%)+*%#, G1%*%# ' I/!2

,h!ncellor% 7 R M!n&!l!3 8niversity% #ur&!on

,h!ncellor% 9in&!y!:s 8niversity% $!rid!b!d

$ounder ;ice-,h!ncellor (


4/14



http4//i5rc3or&in/

iv

PROF/ ANIL K/ SAINI,h!irperson (,R,)% #uru#obind"in&h P 8niversity% Delhi

DR/ SAMBHAVNA$!culty% 6M% Delhi

DR/ MOHENDER KUMAR GUPTAAssoci!te Professor% PJ9'#overn3ent,olle&e% $!rid!b!d

DR/ SHIVAKUMAR DEENEAsst Professor% Dept of ,o33erce% "chool of Business "tudies% ,entr!l 8niversity of 7!rn!t!!% #ulb!r&!

ASSO IATE EDITORS

PROF/ NAWAB ALI KHANDep!rt3ent of ,o33erce% Ali&!rh Musli3 8niversity% Ali&!rh% 8P

PROF/ ABHAY BANSAL.e!d% Dep!rt3ent of nfor3!tion 6echnolo&y% A3ity "chool of ?n&ineerin& 6echnolo&y% A3ity

8niversity% 'oid!

PROF/ V/ SELVAM""9% ;6 8niversity% ;ellore

PROF/ N/ SUNDARAM;68niversity% ;ellore

DR/ PARDEEP AHLAWATAssoci!te Professor% nstitute of M!n!&e3ent "tudies Rese!rch% M!h!rshiD!y!n!nd8niversity% Roht!

DR/ S/ TABASSUM SULTANA Associ!te Professor% Dep!rt3ent of Business M!n!&e3ent% M!trusri nstitute of P# "tudies% .yder!b!d

TE HNI AL ADVISOR

AMITA$!culty% #overn3ent M "% Moh!li

FINAN IAL ADVISORS

DICKIN GOYALAdvoc!te 6!@ Adviser% P!nchul!

NEENA

nvest3ent ,onsult!nt% ,h!3b!&h!t% "ol!n% .i3!ch!l Pr!desh

LEGAL AD VISORS

JITENDER S/ CHAHALAdvoc!te% Pun5!b .!ry!n! .i&h ,ourt% ,h!ndi&!rh 86

CHANDER BHUSHAN SHARMAAdvoc!te ,onsult!nt% District ,ourts% 2!3un!n!&!r !t J!&!dhri

SUPERINTENDENT

SURENDER KUMAR POONIA


5/14



http4//i5rc3or&in/

v

ALL FOR MANUS RIPTS

Ce invite unpublished novel% ori&in!l% e3piric!l !nd hi&h u!lity rese!rch wor pert!inin& to recent develop3ents pr!ctices in the !re!s of

,o3puter "cience Applic!tionsE ,o33erceE BusinessE $in!nceE M!retin&E .u3!n Resource M!n!&e3entE #ener!l M!n!&e3entE B!nin&E

?cono3icsE 6ouris3 Ad3inistr!tion M!n!&e3entE ?duc!tionE 9!wE 9ibr!ry nfor3!tion "cienceE Defence "tr!te&ic "tudiesE ?lectronic

"cienceE ,orpor!te #overn!nceE ndustri!l Rel!tionsE !nd e3er&in& p!r!di&3s in !llied sub5ects lie Accountin&E Accountin& nfor3!tion

"yste3sE Accountin& 6heory Pr!cticeE Auditin&E Beh!vior!l Accountin&E Beh!vior!l ?cono3icsE ,orpor!te $in!nceE ,ost Accountin&E

?cono3etricsE ?cono3ic Develop3entE ?cono3ic .istoryE $in!nci!l nstitutions M!retsE $in!nci!l "ervicesE $isc!l PolicyE #overn3ent 'on

Profit Accountin&E ndustri!l Or&!ni!tionE ntern!tion!l ?cono3ics 6r!deE ntern!tion!l $in!nceE M!cro ?cono3icsE Micro ?cono3icsE Rur!l

?cono3icsE ,o-oper!tionE De3o&r!phy4 Develop3ent Pl!nnin&E Develop3ent "tudiesE Applied ?cono3icsE Develop3ent ?cono3icsE Business

?cono3icsE Monet!ry PolicyE Public Policy ?cono3icsE Re!l ?st!teE Re&ion!l ?cono3icsE Politic!l "cienceE ,ontinuin& ?duc!tionE 9!bour

Celf!reE PhilosophyE Psycholo&yE "ociolo&yE 6!@ Accountin&E Advertisin& Pro3otion M!n!&e3entE M!n!&e3ent nfor3!tion "yste3s (M")E

Business 9!wE Public Responsibility ?thicsE ,o33unic!tionE Direct M!retin&E ?-,o33erceE #lob!l BusinessE .e!lth ,!re Ad3inistr!tionE

9!bour Rel!tions .u3!n Resource M!n!&e3entE M!retin& Rese!rchE M!retin& 6heory Applic!tionsE 'on-Profit Or&!ni!tionsE Office

Ad3inistr!tion/M!n!&e3entE Oper!tions Rese!rch/"t!tisticsE Or&!ni!tion!l Beh!vior 6heoryE Or&!ni!tion!l Develop3entE

Production/Oper!tionsE ntern!tion!l Rel!tionsE .u3!n Ri&hts DutiesE Public Ad3inistr!tionE Popul!tion "tudiesE Purch!sin&/M!teri!ls

M!n!&e3entE Ret!ilin&E "!les/"ellin&E "ervicesE "3!ll Business ?ntrepreneurshipE "tr!te&ic M!n!&e3ent PolicyE 6echnolo&y/nnov!tionE

6ouris3 .ospit!lityE 6r!nsport!tion DistributionE Al&orith3sE Artifici!l ntelli&enceE ,o3pilers 6r!nsl!tionE ,o3puter Aided Desi&n (,AD)E

,o3puter Aided M!nuf!cturin&E ,o3puter #r!phicsE ,o3puter Or&!ni!tion ArchitectureE D!t!b!se "tructures "yste3sE Discrete

"tructuresE nternetE M!n!&e3ent nfor3!tion "yste3sE Modelin& "i3ul!tionE 'eur!l "yste3s/'eur!l 'etworsE 'u3eric!l

An!lysis/"cientific ,o3putin&E Ob5ect Oriented Pro&r!33in&E Oper!tin& "yste3sE Pro&r!33in& 9!n&u!&esE RoboticsE "y3bolic $or3!l 9o&icE

Ceb Desi&n !nd e3er&in& p!r!di&3s in !llied sub5ects

Anybody c!n sub3it the +0 04 of unpublished novelE ori&in!lE e3piric!l !nd hi&h u!lity 67+7869 06;/+6?4 anytime in M.S. Word

format !fter prep!rin& the s!3e !s per our GUIDELINES FOR SUBMISSIONE !t our e3!il !ddress ie infoi5rc3F&3!ilco3 or online by clicin&

the lin 0=@?=7 +>


6/14



http4//i5rc3or&in/

vi

1 KEYWORDS: Abstr!ct 3ust be followed by ! list of eywords% sub5ect to the 3!@i3u3 of five 6hese should be !rr!n&ed in !lph!betic order sep!r!ted byco33!s !nd full stops !t the end

I MANUSCRIPT: M!nuscript 3ust be in BRITISH ENLISH prep!red on ! st!nd!rd A+ sie !ORTR"IT SETTIN !"!ER t 3ust be prep!red on ! sin&le sp!ce !ndsin&le colu3n with 3!r&in set for top% botto3% left !nd ri&ht t should be typed in = point ,!libri $ont with p!&e nu3bers !t the botto3 !nd centre of every

p!&e t should be free fro3 &r!33!tic!l% spellin& !nd punctu!tion errors !nd 3ust be thorou&hly edited

K HEADINGS: All the he!din&s should be in ! * point ,!libri $ont 6hese 3ust be bold-f!ced% !li&ned left !nd fully c!pit!lised 9e!ve ! bl!n line before e!chhe!din&

= SUB-HEADINGS: All the sub-he!din&s should be in ! = point ,!libri $ont 6hese 3ust be bold-f!ced% !li&ned left !nd fully c!pit!lised

67 S0>67+ 0

88 +90>@ 7 67 t should be ensured th!t the t!bles/fi&ures !re referred to fro3 the 3!in te@t

E.UATIONS:6hese should be consecutively nu3bered in p!rentheses% horiont!lly centered with eu!tion nu3ber pl!ced !t the ri&ht

> REFERENCES: 6he list of !ll references should be !lph!betic!lly !rr!n&ed 6he !uthor (s) should 3ention only the !ctu!lly utilised references in the prep!r!tion

of 3!nuscript !nd they !re supposed to follow H8686 S@7 0 R7767=?= 6he !uthor (s) !re supposed to follow the references !s per the followin&4

• All wors cited in the te@t (includin& sources for t!bles !nd fi&ures) should be listed !lph!betic!lly• 8se (7/) for one editor% !nd (7/+, for 3ultiple editors

• Chen listin& two or 3ore wors by one !uthor% use --- (>*@@)% such !s !fter 7ohl (=K-0*0

JOURNAL AND OTHER ARTICLES

• "che3enner% RC% .uber% J, !nd ,oo% R9 (*)4 L,usto3er ;!lue4 A ,o3p!r!tive "tudy of Rur!l !nd 8rb!n ,usto3ers%L 6hesis% 7urushetr! 8niversity% 7urushetr!ONLINE RESOURCES

• Alw!ys indic!te the d!te th!t the source w!s !ccessed% !s online resources !re freuently upd!ted or re3ovedWEBSITES

• #!r&% Bh!vet (>*)4 6ow!rds ! 'ew '!tur!l #!s Policy% Politic!l Ceely% ;iewed on J!nu!ry *% >*> http4//epwin/user/view!bstr!ct5sp


7/14



http4//i5rc3or&in/

+*

A STUDY ON THE ROLE OF SELF HELP GROUP IN WOMEN EMPOWERMENT

DR. "SHOK %H"W"R

"SSOCI"TE !ROFESSOR

INSTITUTE OF BUSINESS M"N"EMENT & RESE"RCH

I!S "C"DEM'

INDORE

!RI'"NK" CH"WL"

RESE"RCH SCHOL"R

DE(I "HIL'" (ISHW"(ID'"L"'"

INDORE

ABSTRACTT3% $# I/! !" "#!)) ! /%1%)+!4 +%"". M"# ' #3% +%+)% 0%)4 # $/% +!1!)%4% "%#!. I/! #!%" # +$# %''#" %/!#!4 #3% %4#!1% !""$%"

/ /+#!4 #3% "$/ $)#$% *4"# 53!3 "!) 5%%"", )!#%, 4%/% 0"%/ %6$)!# / 5*% %*+5%*%# % "!4!'!#. D$% #

!/$"#!)!7#! / */%!7#! #3%% "%%*" 34% ! ##!#$/% / +%%+#! ' !/!1!/$)". T3% +%+)% 0%*% *% 5% / % *% % 0$#

"1!4 +##%" / !*+1%*%# ! #3%! %*! /!#!. B$# #3%"% +%+)% / # 31% %$43 +!#) # !1%"# !. T3%%'%, #3% "3%*% ' *!'!%

#3$43 S%)' H%)+ G$+ 3" 0%% !#/$%/. T3% +%"%# ++% !" ##%*+# # "#$/ #3% )% ' SHG ! 5*% %*+5%*%#. T3% "#$/ !" %8+)# !

#$% 53!3 3" 0%% !%/ $# ! I/% !# #3% 0"!" ' +!* / "%/ /#. T3!" ++% )" +$# %*+3"!" )"!4 #3% %*! /!#! '

5*% *%*0%" '#% 9!!4 SHG.

JEL CODE# >

KEYWORDS ?cono3ic ,ondition% ".#% Co3en ?3power3ent

INTRODUCTIONlob!li!tion !nd liber!li!tion policy of ndi! 3!es the 3!ret freely tr!d!ble 6he !doptions of these principles not only h!ve opened up &rowth !nd

develop3ent opportunities but h!ve !lso tr!nsfor3ed the st!nd!rd of livin& of people An upper society is not !ffected by these ch!n&es !nd h!s e!sily

!ccepted new style for better st!nd!rd of livin& But these ch!n&es !ffect poor people directly or indirectly n ndi! one-third of the popul!tion !re

below poverty line which belon&s to rur!l% se3i rur!l or urb!n re&ion 6hey !re still destitute of &ettin& even the b!sic !3enities such !s drinin& w!ter% clothin&%

!cco33od!tion etc $or the surviv!l of livin&% there !re so3e poor people who h!ve to depend upon 3oney lenders% !nd !re p!yin& interest !t hi&her r!te 6he

inco3e of poor people is not 3uch enou&h to rep!y the whole !3ount with interest And hence they beco3e the victi3 6hese low inco3e cl!ss people !lso

de3!nd 3oney fro3 friends / rel!tives !nd pro3ise to p!y within stipul!ted period of ti3e% but when they f!iled to p!y they beco3e insolvent 6his infor3!l

credit source e@ploits poor people 7eepin& these thin&s in 3ind !n !tte3pt is 3!de by Dr Moh!33!d 2unus who introduce the concept of Micro credit

pro&r!3s in #r!3een b!n of B!n&l!desh Just lie "elf ?3ploy3ent Associ!tion "?CA !nd other rel!ted pro&r!3s introduced in '#Os% ! 3icro credit pro&r!3

c!lled "elf help #roup concept by 'ABARD introduced in #overn3ent sectors

SELF HELP GROUP"elf help &roup is ! volunt!rily !ssoci!tion !nd inter!ction !3on& poor people with the !i3 to contribute s!vin& or to lend s!vin& !3on& 3e3bers so !s to

incre!se fin!nci!l st!tus 6here is ! s3!ll &roup of 3e3bers with the inclusion of s3!ll industri!l or !&ricultur!l l!bors% !rtis!ns% owner of petty business% wo3en

etc 6he concept of ".# is to encour!&e collective le!rnin&% pro3ote le!dership !ddress co33on constr!ints to cre!te !w!reness !3on& the &rowersE rise with

the fin!nci!l institutions/'#Os/#overn3ent !&encies to 3obilise reuired technic!l !nd fin!nci!l resources !nd encour!&e on-f!r3 !nd non-f!r3 3icro

enterprise !ctivities !3on& the 3e3bers of the &roup 9; An!nd! R!oN

CHARACTERISTICS OF SHG) ".# consist of *->* 3e3bers especi!lly wo3en includin& one President% one "ecret!ry !nd ! c!shier

>) 6he 3e3bers in ! &roup !re poor% belon&s to under privile&e c!te&ories0) ".# e3ph!sie on s!vin& h!bits of 3e3bers in ! &roup

+) 6he 3e3bers of ".#s !re reuired to deposit so3e !3ount of 3oney !s ! p!rt of s!vin& s!ys Rs ** per 3onth fro3 e!ch 3e3ber !nd !fter 0 to I3onths they !re !llowed to t!e lo!n fro3 their !ccu3ul!ted s!vin&s

1) ".# tries to incre!se socio econo3ic condition of people in ! &roup throu&h its s!vin& p!tterns

I) ".#s &et full support fro3 'on #overn3ent Or&!ni!tions !s well !s #overn3ent Or&!ni!tions 6he &roup c!n !lso obt!in 3icro lo!n fro3 B!ns !ndso3e soci!l service or&!ni!tions

K) ".#s !re independent% h!vin& their own rules !nd re&ul!tions

=) A 3onthly 3eetin& is or&!nied where tr!ns!ctions h!ve been t!en rel!ted to disburse3ent !nd rep!y3ent of lo!n


8/14



http4//i5rc3or&in/

+

MODEL !: NGO GUIDED BUT SELF SUPPORTED SHG+

n this 3odel% ".# do not &et !ny fin!nci!l !ids fro3 B!ns ".#s !re for3ed% initi!ted !nd &uided by '#Os includin& 3!inten!nce of !ccount% docu3ent!tion

for3!lities% rules !nd re&ul!tions etc

MODEL 5: COMPLETELY SELF SUPPORTED SHG+

6he ".# is supported by 3e3bers in ! &roup !nd initi!ted by the3 6here is no involve3ent of B!ns !nd '#Os 6he s!vin&s of 3e3bers is used for intern!l

lendin& !nd to initi!te the pro&r!3

FIG/ 1

LITERATURE REVIEW "o3e study focus on borrowin& beh!viour of client !nd lender S%0"#/ / C3% (:;;;2. 6his study t!es into consider!tion th!t the ter3s% conditions !nd

delivery of fin!nci!l services 3ust 3!tch with fin!nci!l cycle of borrower so !s to reduce on both the ends

P$373%/! / S#"! (:;;:2, in his study entitled Microfin!nce for rur!l people4 An 3p!ct ?v!lu!tion found th!t !fter 5oinin& ".#% there is !n

i3prove3ent in s!vin& p!ttern Cith the help of this pro&r!3% borrowin& p!ttern of ".# 3e3ber !lso i3proves 6his le!ds to credit widenin& !nd credit

deepenin& with ".# b!n lin!&e 3odel

R (:;;:2 pointed out th!t e@istin& for3!l fin!nci!l institutions h!ve f!iled to provide fin!nces to l!ndless% 3!r&in!lied !nd dis!dv!nt!&ed &roups 6he ori&in

of ".#s could be tr!ced to 3utu!l !id in ndi!n vill!&e co33unity ,ooper!tives !re for3!l bodies where!s ".#s !re infor3!l ".#s encour!&e s!vin&s !nd

pro3ote inco3e &ener!tin& !ctivities throu&h s3!ll lo!ns

T3% "#$/ 2, h!ve !lso discovered th!t Microfin!nce nstitutions !re covered under the !ct follow the procedures

of 9icensin&% re&ul!tin& !nd supervisin& 6he study !lso su&&ested th!t role of 3icro fin!ncerE #overn3ent bodies !nd 'on Rur!l B!nin& should be defined fors3ooth worin&

G)/!" M J3 (:;;?2 found th!t 3e3bership in ".# inculc!ted ! &re!t confidence in the 3ind of 3!5ority of wo3en to succeed in d!y to d!y life Positive

ch!n&e w!s found in the !ttitude of rel!tives !nd friends tow!rds the wo3en in self help &roups

Accordin& to T (:;;@2, in his study entitled Microfin!nce !nd the co33erci!l b!nin& syste3 discovered th!t the !i3 of 3icrofin!nce !lon& with '#Os

!nd other develop3ent &roups is to enh!nce the conditions of wo3en by reducin& poverty 6he study !lso reve!led th!t 3icrofin!nce pro&r!3 should be

!dopted in b!nin& sectors in developin& countries for further &rowth

6he study of P9 K A45) / S.K.S!3 (:;;2 found th!t M$ wor for non profit 3otive !nd considered !s ! &ood source of deposits

6he study of V!9)"3*!, G5/, J*$, R, & S99, (:;:) concluded th!t ".# were i3provin& the st!nd!rd of livin& of !ll f!3ilies who c!3e in the

pro5ect !re! Appropri!te str!te&ies for e3power3ent of ".# wo3en were !ddressed throu&h or&!niin& !ppropri!te tr!inin&s both on !nd off-c!3pus%

includin& hi&her level tr!inin&s% follow-up !ctivities% providin& relev!nt le!flets !nd folders% e@posures besides reco&niin& !nd encour!&in& wo3en to co3e

forw!rd !nd t!e up processin& !nd of lin&er 3illet products v!lue !ddition !nd inco3e &ener!tin& !ctivities

"o3e of the !bove studies focus on wo3en e3power3ent throu&h ".# !nd i3prove3ent in their st!nd!rd of livin&s "o3e study described th!t ".# brin&

positive ch!n&es throu&h its infor3!l !ctivities But the present study &ives !ttention on i3prove3ent in ?cono3ic !s well !s soci!l condition of wo3en

3e3bers of ".# !nd their e3power3ent

OBJECTIVES 6o e@!3ine the e3power3ent &!ined by wo3en in society throu&h effectiveness of "elf .elp #roups pro&r!3s

> 6o !n!lye the rel!tionship between wo3en e3power3ent !nd their econo3ic conditions

HYPOTHESES .*4 T3%% !" ""!#! 0%#5%% !*+1%*%# ! %*! /!#! ' 5*% '#% 9!!4 SHG" / #3%! %*+5%*%#.

2/ H;: T3%% !" ""!#! 0%#5%% 4%%#! ' "%)' %*+)*%# / 5*% %*+5%*%#.

RATIONALEndore is e@p!ndin& itself d!y by d!y ndore city h!s sever!l self help &roups lie An!r!li% 6!r!3!ti% Ar!3!ti% M!n&l! etc ?!ch self help &roup h!s ! president%

secret!ry !nd tre!surer h!vin& their own responsibilities $or s3ooth functionin& of this pro&r!3% sever!l files is to be 3!int!ined by ".#s lie P!ssboo%

Attend!nce Boo% !ccounts boo% report etc 6he ".#s 3eetin& !re held once in ! 3onth where 3e3bers !re reuired to !ttend the 3eetin& re&ul!rly !nd p!ys

Rs** !s s!vin& f !ny of the 3e3bers in ! &roup f!ils to p!y the !3ount% fine of Rs 1 is to be i3posed on th!t person $or3!tion of ".#s reuires trust !nd

3utu!l f!ith n ".# 3eetin&% re&ul!r !ttend!nce h!s been pl!ced 3onthly Minutes of boos !nd other rel!ted record !re 3!int!ined

6he 3e3bers of ".# c!n be !ll wo3en in ! &roup% !ll 3en in ! &roup or 3i@ed &roup Co3en &roup is spre!d everywhere !ll over ndi! !nd perfor3in& better

in the !ctivities of ".#s 6here !re only fe3!le ".#s 'ow ".#s is pl!nnin& to 3!e ! &roup of 3!le 3e3bers n!3ely "w!y!3"!h!y!t!"!3uh #ener!lly

3i@ed &roups !re not preferred due to presence of conflictin& !ctivities 6his p!per tries to put effort on contribution of ".# pro&r!3 on wo3en e3power3ent


9/14



http4//i5rc3or&in/

+>

RESEARCH METHODOLOGY So)r*e+ of data 6he study is e@plor!tory in n!ture Both Pri3!ry !nd second!ry d!t! h!ve been used for collectin& d!t! Pri3!ry d!t! h!s been collected by

desi&nin& structured close ended uestionn!ire% throu&h interviews !nd observ!tion Chile second!ry d!t! is collected fro3 v!rious 5ourn!ls% !rticles% reports

etc

"rea of +am-in/ 6his study is conducted in ndore city 6he ide! behinds this study is to focus on wo3en 3e3ber so !s to now their st!tus !nd level of

s!tisf!ction !fter 5oinin& the &roup

Sam-e Si0e D!t! is collected fro3 t!r&etin& >>* respondents fro3 v!rious "elf .elp #roups

Sam-in/ te*1ni2)e "i3ple r!ndo3 techniue h!s been !pplied

Stati+ti*a too+ Percent!&e !n!lysis is used to !n!lye d!t! ,ross t!bul!tion h!ve been !pplied to find out the !ssoci!tion between the v!ri!bles

RESULTS & DISCUSSIONS) GENDER ANALYSIS

G7=76 A=8@+?+ F67>7= P767= C>@8?7 P767=

$e3!le >>* ** ***

"ource- $ield "urvey

n the !bove t!ble ** d!t! is collected fro3 fe3!le 3e3bers !s ".#s co3prises of fe3!le 3e3bers only

2, MARITAL STATUS

M86?8@ S8>+ F67>7= P767= C>@8?7 P767=

M!rried >> !re of the !&e &roup >I-01 !nd 0* !re

of the !&e &roup 0I +1 6he 3e3bers f!lls under these c!te&ories see3s to be 3!ture !nd !re ris t!er

About > !re under the !&e &roup of =->1 6his shows th!t youn& people !re !lso h!vin& ide! of ".# !nd !re !ssoci!ted with ".# 9e!st nu3ber (+) lies

under the !&e &roup of +I-I* 6he re!son is th!t these people !re considered !s ris !verse !nd the people !bove the !&e of I* ye!rs !re not !llowed to 5oin

these &roups

!, SI#E OF SELF HELP GROUP

S?7 0 SHG F67>7= P767= C>@8?7 P767=

*-1 +I >*< >*<

1->* K+ K>* ***


6he !bove t!ble shows sie of 3e3bers in ! &roup t c!n be observed th!t K* !nd > !re in the r!n&e of *-

1 t cl!rifies th!t l!r&er &roups !re preferred so th!t 3!@i3u3 !3ount of 3oney c!n be s!ved in the for3 of funds !nd lo!n disburse3ent process t!es pl!ce

s3oothly

5, ASSOCIATION WITH SELF HELP GROUP PROGRAM

J0?=?= 0 SHG F67>7= P767= C>@8?7 P767=

Cithin 2e!r K+ 00I 00I

$or l!st -0 2e!rs I< 0+ I1*

$or l!st 0-1 2e!rs +K >+ =I+

More th!n 1 2e!rs 0* 0I ***

6ot!l >>* ***


t c!n be seen fro3 the t!ble th!t 3ini3u3 nu3bers of 3e3bers: vi 0 &et !ssoci!ted with ".# pro&r!3s for 3ore th!n 1 ye!rs Around > !nd 0

!ssoci!ted with ".# pro&r!3 for 0-1 ye!rs !nd -0 ye!rs respectively M!@i3u3 nu3ber of 3e3bers h!ve 5oined ".# pro&r!33e recently% within ye!r 6his

represents th!t ".# pro&r!3s !re now 3ore in de3!nd

$, AC.UISITION OF ASSETS BEFORE JOINING SHG+

A++7+ 8>?67*7067 0?=?=, F67>7= P767= C>@8?7 P767=

.o3e !ppli!nce >= >K >K

Motor ;ehicles 00 1* >KK

33ov!ble property >K >0 +**

Any other ite3 0< KK 1KK

'othin& 0 ***

6ot!l >>* ***


Before 5oinin& ".#% it h!s been observed th!t le!st nu3ber of 3e3ber (>) purch!sed ho3e !ppli!nces !s well !s i33ov!ble properties% 1 !cuired 3otorvehicles !nd K of 3e3bers h!ve purch!se other ite3 6he other ite3 includes !cuisition of !ssets for business purpose M!@i3u3 nu3bers of 3e3bers

(+>) h!ve not !cuired !nythin& 6his shows th!t before 5oinin& ".#s their e!rnin& c!p!city !nd s!vin& is not enou&h to 3eet the reuire3ents of d!y to d!y

life


10/14



http4//i5rc3or&in/

+0

, AC.UISITION OF ASSETS AFTER JOINING SHG+

A++7+ 8>?67 *876 0?=?=, F67>7= P767= C>@8?7 P767=

.o3e-Appli!nces +0 0I +0

33ov!ble-property !nd orn!3ents 0+ 11 1=I

Any Other te3 purch!sed * !nd 1 h!ve !cuired ho3e !ppli!nces !nd i33ov!ble property

respectively After 5oinin& ".# pro&r!3s these respondents h!ve purch!ses so3e !ssets either to fulfil their co33erci!l need or person!l needs 6his si&nific!nt

ch!n&e 3!es us cle!r th!t the 3e3bers of ".#s !re not spendin& their lo!n !3ount l!vishly however investin& th!t !3ount in business to &ener!te profit !nd

to 3!@i3ie their e!rnin&s

", SHG LEADS TO SOCIAL EMPOWERMENT OF WOMEN

S0?8@ E@8?7 P767=

"tron&ly A&ree >> 111 111

A&ree =I 0


11/14



http4//i5rc3or&in/

++

Co3en e3power3ent 3e!ns ! power th!t foster wo3en to t!e their independent decisions !nd t!in& ch!llen&es confidently

6he ,hi-su!re test h!s been !pplied to find out the !ssoci!tion between i3prove3ent in econo3ic condition of wo3en !fter 5oinin& ".#s !nd their

e3power3ent

t w!s found th!t the Pe!rson ,hi-su!re v!lue is +68@ 0 * 1 0 * > +0 +KI >0= +0 ** ***

D?+8677 > * * * * > *** ** ** ** ** ***

S60=@ D?+8677 * * * * * * ** ** ** ** ** ***

T08@ >> =I < 0 * >>*

111 0867 T7++ ;!lue Df Asy3p "i& (>-sided)

Pe!rson ,hi-"u!re K01=K! < ****

'o of ;!lid ,!ses >>*


6he ,hi-su!re test h!s been !pplied to find out the !ssoci!tion between &ener!tion of e3ploy3ent !fter 5oinin& ".#s !nd wo3en e3power3ent

t w!s found th!t the Pe!rson ,hi-su!re v!lue is K01=K (de&rees of freedo3 !t **K) QDeter3in!nts of Co3ens p!rticip!tion in "elf- .elp #roup led 3icro fin!nce pro&r!33e in 6!3il '!du A&ricultur!l

?cono3ics Rese!rch Review% >**K% vol >*% issue >

+ Mwend! 7 7 Muu!% # ' (>**+) 6ow!rds best pr!ctices for 3icro fin!nce institution!l en&!&e3ent in Afric!n rur!l !re!s ntern!tion!l Journ!l of "oci!l

?cono3ics 0 (/>) +0-1=


12/14



http4//i5rc3or&in/

+1

1 'ABARD (>**>)% $in!nce Only Su!lity ".#s% - 9oo who is 6!in&% "!vin& #r!ce4 ,onver&ence for Micro $in!nce 'ews% "epte3ber% Pp-K

I P!n!5 7 A&!rw!l !nd "7"inh! (>**) 6he fin!nci!l perfor3!nce of 3icrofin!nce institutions in ndi! Delhi Business Review T ;ol % 'o > (July -

Dece3ber >**)

K Puh!hendi% ; !nd 7 , B!d!ty! (>**>)% ".#-B!n 9in!&e Pro&r!33e for Rur!l Poor- An 3p!ct Assess3ent P!per presented !t se3in!r on "B9P !t 'ew

Delhi% >1->I 'ove3ber% 'ABARD% Mu3b!i

= "!r3!h% #" !nd D!s% D (>*>)% Micro $in!nce% "elf .elp #roups ("h&s) !nd 6he "ocio econo3ic Develop3ent of Rur!l People (A ,!se "tudy Cith

"peci!l Reference 6o 6he 9!hi3pur District Of Ass!3)% Asi!n Journ!l of Rese!rch in Business ?cono3ics !nd M!n!&e3ent% ;ol>% ssue +% April >*>% ""'

>>+< K0*K

**)% "!vin& !ppro!ches of "elf-.elp #roup Me3bers- ! study with reference to M!nipur% Pr!5n!n% Journ!l of "oci!l !nd M!n!&e3ent

sciences% vol TTTT% no % April% pp>*>) ?3power3ent of self help &roup wo3en throu&h v!lue !ddition of fin&er

3illet J$) ' D!!4, F/" / H*% S!%%" , > (0)% >>0->>I

> 2unus Moh!33!d% (>**+)% #r!3een B!n-3icro credit !nd 3illenniu3 develop3ent &o!ls% ?cono3ics !nd Politic!l Ceely% vol 0**0)% Role of '#Os in "ocio-?cono3ic Develop3ent% Abhi5eet Public!tions% "B' *4 ===I=0*1

+ ;er3!%"B (>**0)% Poverty Allevi!tion Appro!ches !nd Co3enUs P!rticip!tion% Pointer Publishers%"B'-04


13/14



http4//i5rc3or&in/

+I

RE3UEST FOR FEEDB"CK

D786 R7876+

At the very outset% ntern!tion!l Journ!l of Rese!rch in ,o33erce M!n!&e3ent (JR,M) !cnowled&es

!ppreci!tes your efforts in showin& interest in our present issue under your ind perus!l

would lie to reuest you tosupply your critic!l co33ents !nd su&&estions !bout the 3!teri!l published

in this issue !s well !s on the 5ourn!l !s ! whole% on our ?-3!il?=0?6


14/14


INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE & MANAGEMENT

Documents

ijrcm-1-IJRCM-1_vol-5_2014_issue-11-art-09.pdf