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Ph. D. Report

of

Mrunali S. Lilhare

Under the guidance of

Dr. Sanjay S. Tekade

Jawaharlal Nehru Arts, Commerce & Science College

Wadi, Nagpur

On the Topic

A Critical Evaluation of the Working of Below Poverty Line Self Help Group in

Maharashtra (With Special Reference to Gondia District) (1999-2009)

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I have gone through the thesis entitled A Critical Evaluation of the Working of Below

Poverty Line Self Help Group in Maharashtra (With Special Reference to Gondia District)

(1999-2009)submitted byMrunali S. Lilhare under the supervision ofDr. Sanjay S. Tekade,

Jawaharlal Nehru Arts, Commerce & Science College, Wadi, Nagpur. The thesis contains

six chapters. Chapter one is an introductory which focuses on concept of self help group, SHG-

Bank linkage model, status of SHGs in India and about Gondia district etc. Second Chapter is

devoted to literature review. Third chapter discusses the Self Help Group development in India

and Maharashtra especially to Gondia district. Chapter fourth elaborates the research

methodology used in the study. The fifth chapter deals with the analysis and interpretation. The

last chapter highlights the research findings, conclusions and suggestions.

The study is descriptive in nature and is based on primary and secondary data. The primary data

were collected through structured questionnaire. The questionnaire was divided into two parts;

for SHG members and for official of banks and microfinance groups. It contains 53 and 22

questions respectively. The sample size was 480 members of SHGs selected from Gondia

district. The secondary data were collected from the financial transactions of SHG members

including the amount of external loans received from banks, NGOs and the grants from the

revolving fund of the panchayath.

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The study concludes that more than 80 percent of beneficiaries borrowed loan an average size of

Rs. 2500 to 15000 from the SHGs in 2-6 equal installments at an interest rate of 2 percent per

month. Whereas in 2000, the loan was the same as above. Group members who had undertaken

income generating activities collectively was observed in case of 26 percent of SHGs. The

products taken by the members collectively were food items, soap powder, bakery items,

agarbatti, vermicelli, candle making etc. Concentrated in income generating activities like food

items preparation, soap powder, bakery items and followed by agarbatti making, vermicelli,

candle preparation and other items etc. The work suggests that if the various agencies come

forward to help the SHGs, it can certainly take a lead role in the development of women

entrepreneurs.

On the basis of above observations, it may be recommended that the Ph.D. degree may be

awarded toMrunali S. Lilhare. on the aforesaid topic.

(Dr. Raj Kumar) Date: February 26, 2014

Professor

Faculty of Management Studies

Banaras Hindu University

Varanasi- 221005

Mob: 09415991709