Impact of Caste, Religion & Education on Income & Poverty: A Lesson from SHG Activities under SGSY

Periodic Research (P: ISSN No. 2231-0045 RNI No. UPBIL/2012/55438 VOL.-7, ISSUE-4 (Part-1) May-2019 E: ISSN No. 2349-9435)

 Abstract


 

Ratul Saha 

Assistant Professor, Dept. of Economics, Sonamukhi College, Bankura, West Bengal India 

After a pro-longed negligence in the initial phases of planning, grassroots development through people’s ‘participation’ and ‘empowerment’ has become the buzzword in the development policies. In such a shifted development paradigm, microfinance through SHGs has evolved as a need-based policy to cater the marginalized groups of Indian society. It is considered to be a powerful tool for empowering rural poor women by shifting them from debt-trap of informal credit sources to formal credit system. But, what remains is to make an enquiry about how far microfinance offers the financial discipline a possible avenue to make a significant difference among the lives of different categories of poor people. Thus, main purpose of the study becomes to examine whether the parameters caste, religion, education, sex have any impact on the performance of SHGs with respect to income and poverty alleviation. For the purpose of the present study we have purposively selected two districts of West Bengal. These two districts are respectively Cooch Behar and Bankura. The district Cooch Behar is located at the northern portion of our state and the other district Bankura is situated in the southern portion of the state of West Bengal. Again, for the selection of the SHGs we have used four parameters namely, education, religion, caste and sex. On the basis of this stratification we have selected 15 SHGs from each study area. Out of these 15 groups 3 belong to the educated group, 3 belong to the mixed group and the rest 9 belongs to the religion & caste group. We have also divided the rest 9 SHGs equally in three categories. They are SC/ST group, general caste group and Muslims. We cover all the member households belonging to these SHGs and the number of these households is 319. Thus we have followed the complete enumeration method for the selection of the member households. The study concluded that the households who belong to SC/ST and minority groups are in worst position and the benefit of microfinance through Self Help Group activities has not spread uniformly among the different class and religion.

for full paper please visit below link http://socialresearchfoundation.com/upoadreserchpapers/2/299/2001030906331st%20ratul%20saha.pdf

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