The present paper focuses on SHG as a revitalisation for responsible cooperative finance particularly with deployment of formal credit to informal sector through Cooperative banking finance. Cooperative sector has been going through a dismal phase for the past two decades and they had not been able to attain their objectives for which they stand. Several solutions have been proffered to make them vibrant and relevant in development process, but the peculiarity of the challenges confronting the subsector calls for a need to align them to address the issues of poverty alleviation and economic development in the country. A revival was envisaged in the form of Self Help groups with NABARD intervention in 1992.
The study is based on secondary data collected from status report of Micro finance published annually by NABARD. The data analysis reveals that the commercial banks are having larger business with SHGs as compared to other two agencies viz... RRBs and cooperative banks in the SHG- Bank linkage programme which is the main mode of micro finance in India. But of late, there is a proportionate increase in the share of Cooperative banks with reference to Savings of SHG, loan disbursement as well as loan outstanding from SHGs. Further regional analysis of the data reveals that while regional disparities in the growth of the SHG movement still remains with limited progress in the Eastern and Central regions, there is an onset of slow change with North and North eastern region picking up well in the last few years as compared to predominance of southern region in all financial operations in the Linkage programme for more than two decades.
The research paper concludes that the cooperative banks have a lot of scope in enhancing their relation with SHGs and there is a niche for the cooperative sector to concentrate and expand its activities with SHGs in north, northeast, eastern and central region of India. A synergy in their operations will go a long way in achieving their common motive of local development and financial inclusion.
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The present paper focuses on SHG as a revitalisation for responsible cooperative finance particularly with deployment of formal credit to informal sector through Cooperative banking finance. Cooperative sector has been going through a dismal phase for the past two decades and they had not been able to attain their objectives for which they stand. Several solutions have been proffered to make them vibrant and relevant in development process, but the peculiarity of the challenges confronting the subsector calls for a need to align them to address the issues of poverty alleviation and economic development in the country. A revival was envisaged in the form of Self Help groups with NABARD intervention in 1992.
The study is based on secondary data collected from status report of Micro finance published annually by NABARD. The data analysis reveals that the commercial banks are having larger business with SHGs as compared to other two agencies viz... RRBs and cooperative banks in the SHG- Bank linkage programme which is the main mode of micro finance in India. But of late, there is a proportionate increase in the share of Cooperative banks with reference to Savings of SHG, loan disbursement as well as loan outstanding from SHGs. Further regional analysis of the data reveals that while regional disparities in the growth of the SHG movement still remains with limited progress in the Eastern and Central regions, there is an onset of slow change with North and North eastern region picking up well in the last few years as compared to predominance of southern region in all financial operations in the Linkage programme for more than two decades.
The research paper concludes that the cooperative banks have a lot of scope in enhancing their relation with SHGs and there is a niche for the cooperative sector to concentrate and expand its activities with SHGs in north, northeast, eastern and central region of India. A synergy in their operations will go a long way in achieving their common motive of local development and financial inclusion.
"/>
The present paper focuses on SHG as a revitalisation for responsible cooperative finance particularly with deployment of formal credit to informal sector through Cooperative banking finance. Cooperative sector has been going through a dismal phase for the past two decades and they had not been able to attain their objectives for which they stand. Several solutions have been proffered to make them vibrant and relevant in development process, but the peculiarity of the challenges confronting the subsector calls for a need to align them to address the issues of poverty alleviation and economic development in the country. A revival was envisaged in the form of Self Help groups with NABARD intervention in 1992.
The study is based on secondary data collected from status report of Micro finance published annually by NABARD. The data analysis reveals that the commercial banks are having larger business with SHGs as compared to other two agencies viz... RRBs and cooperative banks in the SHG- Bank linkage programme which is the main mode of micro finance in India. But of late, there is a proportionate increase in the share of Cooperative banks with reference to Savings of SHG, loan disbursement as well as loan outstanding from SHGs. Further regional analysis of the data reveals that while regional disparities in the growth of the SHG movement still remains with limited progress in the Eastern and Central regions, there is an onset of slow change with North and North eastern region picking up well in the last few years as compared to predominance of southern region in all financial operations in the Linkage programme for more than two decades.
The research paper concludes that the cooperative banks have a lot of scope in enhancing their relation with SHGs and there is a niche for the cooperative sector to concentrate and expand its activities with SHGs in north, northeast, eastern and central region of India. A synergy in their operations will go a long way in achieving their common motive of local development and financial inclusion.
The present paper focuses on SHG as a revitalisation for responsible cooperative finance particularly with deployment of formal credit to informal sector through Cooperative banking finance. Cooperative sector has been going through a dismal phase for the past two decades and they had not been able to attain their objectives for which they stand. Several solutions have been proffered to make them vibrant and relevant in development process, but the peculiarity of the challenges confronting the subsector calls for a need to align them to address the issues of poverty alleviation and economic development in the country. A revival was envisaged in the form of Self Help groups with NABARD intervention in 1992.
The study is based on secondary data collected from status report of Micro finance published annually by NABARD. The data analysis reveals that the commercial banks are having larger business with SHGs as compared to other two agencies viz... RRBs and cooperative banks in the SHG- Bank linkage programme which is the main mode of micro finance in India. But of late, there is a proportionate increase in the share of Cooperative banks with reference to Savings of SHG, loan disbursement as well as loan outstanding from SHGs. Further regional analysis of the data reveals that while regional disparities in the growth of the SHG movement still remains with limited progress in the Eastern and Central regions, there is an onset of slow change with North and North eastern region picking up well in the last few years as compared to predominance of southern region in all financial operations in the Linkage programme for more than two decades.
The research paper concludes that the cooperative banks have a lot of scope in enhancing their relation with SHGs and there is a niche for the cooperative sector to concentrate and expand its activities with SHGs in north, northeast, eastern and central region of India. A synergy in their operations will go a long way in achieving their common motive of local development and financial inclusion.
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