IJSSER

Title: SELF HELP GROUP BANK LINKAGE PROGRAMME AND THE EXTENT OF FINANCIAL INCLUSION OF THE SOCIALLY BACKWARD GROUPS
Authors: Dr. Jyolsna. S, Dr. Shaijumon C.S
\|\| \|\|
1Dr. Jyolsna. S, 2Dr. Shaijumon C.S 1Assistant Professor, Department of Economics, NSS College, Pandalam, Pathanamthitta, Kerala. 2Assistant Professor, Department of Humanities, Indian Institute of Space Science and Technology, Thiruvananthapuram, Kerala.
MLA 8 S, Dr. Jyolsna., and Dr. Shaijumon C.S. "SELF HELP GROUP BANK LINKAGE PROGRAMME AND THE EXTENT OF FINANCIAL INCLUSION OF THE SOCIALLY BACKWARD GROUPS." Int. j. of Social Science and Economic Research, vol. 4, no. 6, June 2019, pp. 4558-4572, ijsser.org/more2019.php?id=350. Accessed June 2019. APA S, D., & C.S, D. (2019, June). SELF HELP GROUP BANK LINKAGE PROGRAMME AND THE EXTENT OF FINANCIAL INCLUSION OF THE SOCIALLY BACKWARD GROUPS. Int. j. of Social Science and Economic Research, 4(6), 4558-4572. Retrieved from ijsser.org/more2019.php?id=350 Chicago S, Dr. Jyolsna., and Dr. Shaijumon C.S. "SELF HELP GROUP BANK LINKAGE PROGRAMME AND THE EXTENT OF FINANCIAL INCLUSION OF THE SOCIALLY BACKWARD GROUPS." Int. j. of Social Science and Economic Research4, no. 6 (June 2019), 4558-4572. Accessed June, 2019. ijsser.org/more2019.php?id=350.
References [1]. Carbo, S., Gardner, E. P., & Molyneux, P. (2005). Financial Exclusion. New York: Palgrave Macmillan. [2]. Chattopadhay, S. K. (2011). Financial Inclusion in India: A Case study of West Bengal. RBI Working Paper. Mumbai: Reserve Bank of India, Department of Economic and Policy Research. [3]. Conroy, J. (2005). APEC and Financial Exclusion: Missed Opportunities for Collective Action. Asia-Pacific Development Journal, 12(1), 53-79. [4]. Corr, C., & Conroy, P. (2009). Life and Debt; Women and Financial Exclusion. Washington DC: Generating Progressive Policy. [5]. CRISIL. (2013). CRISILI Inclusix. Mumbai: CRISIL . [6]. CRISIL. (2014). Crisil Inclusix. Mumbai: CRISIL. [7]. Joshi, D. P. (2011). The Financial Inclusion Imperative and Sustainable Approaches. New delhi: Cambridge university Press India Pvt. Ltd. [8]. Karmakar, k. G., Banerjee, G. D., & Mohapatra, N. P. (2011). Towards Financial Inclusion in India. New Delhi: Sage Publications. [9]. Kochhar, S. (2009). Speeding Financial Inclusion. New Delhi: Academic Foundation. [10]. Kumar, P., & Golait, R. (2009). Bank Penetration and SHG- Bank Linkage Programme: A Critique. 29(3). Mumbai: Reserve Bank of India Occasional paper. [11]. Leyshon, A., & Thrift, N. (1995). Geographies of Financial Exclusion: Financial Abandonment in Britain and the United States. 20, 312-341. [12]. Nair, T. S., & Tankha, A. (2014). Inclusive Finance India Report. New Delhi: Oxford University press. [13]. Rajaseshar, D. (1997). Savings and Credit Systems of the Poor: Some NGO Experiences from Andhra Pradesh. Andhra Pradesh: Inter-Co-Operation -NGO Programme. [14]. Rangarajan, C. (2008). Report of the Committee on Financial Inlcusion. Ministry of Finance, Gvernment of India. [15]. Sarma, M., & Pais, J. (2008). Financial Inclusion and Development: A Cross Country Analysis. Annual Conference of the Human Development and Capability Association, (pp. 10-13). New Delhi. [16]. SBT. (2015). District Credit Plan 2014-2015. Pathanamthitta: State Bank of Travancore. [17]. Shah, M., Rao, R., & Shankar, V. (2007). Rural Credit in the 20th Century in India-Overview of History and Perspectives. Economic and Policitical Weekly, 1351-1364. [18]. Sinclair, S. P. (2001). Financial Exclusion: An Introductory Survey. Edinburgh: Report of Centre for Research in Socially Inclusive Services, Heriot-Watt University.
Abstract: The major objective of the study is to analyze the influence of SHG Bank Linkage Programme on the extent of financial inclusion among Scheduled Caste (SC) population. It also aims to understand the influence of Self Help Groups (SHGs) on the Incidence of Informal borrowings of SC households. The study conducted an empirical analysis by an extensive survey, covering 425 sample SC households in Pathanamthitta district of Kerala state with the help of a detailed Interview Schedule. In interpreting the role of SHGs, households were classified into households whose family members have association with SHGs and households who do not have any association with SHGs (Non-member). The study has employed financial service usage dimension for constructing an indicator measuring the extent of financial inclusion. The study has found that the membership in SHGs influenced the inclusion status of SC households. The study has also found that the dependence on informal source is more among the SHG members than non members.

IJSSER is Member of