Page 1 of 9
European Journal of Business &
Social Sciences
Available at https://ejbss.org/
ISSN: 2235-767X
Volume 07 Issue 02
February 2019
Available online: https://ejbss.org/ P a g e | 498
Impact of Self Help Groups on Socio Economic Empowerment of
Women in Bhiwani District (Harayana)
Trishna Rani
M.Phil. Scholar, Department of Economics, MDU (Rohtak)
Email:-trishnarani05.04@gmail.com
Mob no 8813988004
INTRODUCTION
Empowerment has been taken as the procedure by which weaker sections, downtrodden, and
socially and politically deprived class of the society gain strengthens and rights and control of
their living conditions. It also includes control on resources of production and ideology that
dominates the contemporary society. Although the concept of empowerment is not specific to
women, it is unique and includes all types of classes and launches, as well as families and
households. The empowerment of women is a change in the context of a woman's life, which
allows her to increase her ability to lead a human life.
Women's Empowerment refers to empowering women socially, politically, educationally and
economically so that they can take their own decisions and control their own lives instead of
becoming dependent on someone else.
The structure of self-help groups has resulted in attitudinal and observable changes among
women and increased their capability to deal with their problems. Self Help Groups have a
special role for uplifts and welfare women. It is helpful to alleviate rural poverty and increase
employment opportunities. The self-help groups reinforce the equality of status of women as
participants and decision-makers. Thus they can be economically and socially empowered by
these opportunities.
Concept and Structure of Self Help Groups
Page 2 of 9
European Journal of Business &
Social Sciences
Available at https://ejbss.org/
ISSN: 2235-767X
Volume 07 Issue 02
February 2019
Available online: https://ejbss.org/ P a g e | 499
Self help groups are formed voluntarily by the rural and urban poor to save and contribute to a
common fund to be lent to its members as per group decision and for working together for social
and economic uplift of their families and community. Usually Self Help Groups composed of 10
to 20 women. Women save a small amount ranging Rs. 10 to 200 per month. They open a
account in a bank with the name of the group. The President, the Secretary and the Treasury
occupy three official positions in a self-help group, who are operates the account. . The monthly
meeting is organized, formal and informal discussions take place. The meetings are documented
and the account is written.
Development of Self-Help Groups (SHGs)
The self- help group has founded by Professor Mohammad Yunus in 1975 in the brainchild of
Gramin Bank of Bangladesh. Gramin Bank obtains loans without requiring borrowers to provide
collateral or paperwork.
India has adopted the Bangladesh model in a modified form. Reduce poverty and empower
women. In India, NABARD established self-help groups in 1986-1987, but real efforts were
made after 1991-92 to establish the link between self-help groups and banks. And that was the
real starting point of the "SHG movement". In 1993, the Reserve Bank of India also used SHG to
open savings accounts in banks. The self-help group's interest in India has emerged as an
effective and viable means of seizing the world of economic empowerment and social
improvement. Today, more than 560 banks and more than 3024 NGOs are increasingly involved
in promoting self-help groups. Thus, the SHG movement has spread to India.
Need of Self-Help Groups
To create a habit of saving among the rural poor.
To upward shift the level of standard of living of the rural poor.
Page 3 of 9
European Journal of Business &
Social Sciences
Available at https://ejbss.org/
ISSN: 2235-767X
Volume 07 Issue 02
February 2019
Available online: https://ejbss.org/ P a g e | 500
To transfer the saving of group members towards their collective economic development.
To build up problem solving capacity among the members.
To develop teamwork and leadership qualities.
To alleviate poverty.
REVIEW OF LITERATURE
R. Nandini, N. Sudha (2014) focused on women empowerment through SHGs with special
reference to Ram Nagar district of Karnataka. The major objective of the study was to analyze
and review the available literature on the area of micro-finance and to analyze the impact of
SHGs on women empowerment in Ram Nagar district of Karnataka. The study analyzed finding
proved that positive impact on women empowerment through SHGs in terms of increase in
social awareness and participation, income level, saving habits assets, creation, self employment,
repayments of other debts, improvement in decision making power and improved nutrition level
at their household.
Vijayanti (2000) studied the aspect of women empowerment through SHGs. The aims of the
study were to study the women empowerment, level of awareness generation and decision
making power among women. The study highlighted that various programs were implemented
by Tamil Nadu slums clearance. The study concluded that there was a positive change through
the mutual teamwork among the SHGs members.
Mishra Kishore Jugal (2006) highlighted the problems of empowerment of women in India.
The objectives of the study were to define the empowerment of women in India as an open- ended process. The study explained that participation of women in various as well as to explain
the empowerment in decision - making at private and public sector which are related to various
activities. The study concluded that women empowerment has to eliminate devaluation,
displacement of women in India. The study suggested that women empowerment in India can be
