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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
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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.
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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 :
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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
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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
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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
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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
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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
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29. What is your suggestions to improve the SHG?
(1) --------------------------------------------------------
(2) --------------------------------------------------------
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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
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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
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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
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4.22 ECONOMIC STATUS OF THE
RESPONDENTS
107
4.22.1 RESPONDENTS SATISFACTION
TOWARDS THEIR ECONOMICNEEDS
109
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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
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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
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22 ECONOMIC STATUS OF THE
RESPONDENTS
108
22.1 RESPONDENTS SATISFACTION
TOWARDS THEIR ECONOMICNEEDS
110
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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.
3. Professional Banker, published by The Icfai University Press,
July 2009, Vol.IX, issue-7.
4. Professional Banker, published by The Icfai University Press,
Sep 2009, Vol.IX, issue-9.
5. Professional Banker, published by The Icfai University Press,
Dec 2009, Vol.IX, issue-12.
6. Professional Banker, published by The Icfai University Press,
Feb 2010, Vol.X, issue-2.
WEBSITES
www.sevai.org
www.gramalaya.org
www.google.com