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Savings And Lending Pattern Of Self Help Groups – An Overview

V. Krishnaveni*, R. Haridas**, M. Nandhini***, M. Usha****

* Assistant Professor & Research Scholar, Department of Management (UG), Karpagam University, Coimbatore.

** Professor and Head, Department of Business Administration, Government Arts College for Men, Salem.

*** Course Coordinator, Department of Management (UG), Karpagam University, Coimbatore.

**** Assistant Professor, Department of Management (UG), Karpagam University, Coimbatore.

Periodicity:June - August'2013
DOI : https://doi.org/10.26634/jmgt.8.1.2380

Abstract

The ultimate motto of every SHG is to create the habit of savings among the members who belong to really poor community . In every weekly meeting the members are encouraged to save to the possible extent. The members may be having the practice of saving weekly (or) monthly. The possibility of increasing the savings is usually discussed in their meetings mostly in consultation with the member. Instead of saving a particular amount only, some members may prefer to save more amount as they prefer. But it may be resolved that no interest will be given on the additional savings. The members who have failed to pay savings amount in the group meeting regularly, may be charged a fine from the fourth year of forming the group. The members may like to get a part of the interest earned by the group annually. The interest may be to the member in proportion to their savings . This study shows an overview of the savings and lending pattern of self-help groups in Coimbatore district.

Keywords

Self – Help Groups (SHGs), Integrated Rural Development Programme (IRDP), Training of Rural Youth for Self – employment (TRYSEM), National Agricultural Bank And Rural Development (NABARD), Development of Women and Children in Rural Areas (DWCRA), Non Government Offices (NGOs)

How to Cite this Article?

V. Krishnaveni, R. Haridas, M. Nandhini and M. Usha (2013). Savings and Lending Pattern of Self Help Groups – An Overview. i-manager’s Journal on Management, 8(1), 49-56. https://doi.org/10.26634/jmgt.8.1.2380

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