Vol. 11, Special Issue 3 (2022)

Author(s):
Dr. Rijul Sihag and Dr. Savita Vermani

Abstract:
The SHGs in India have proved to be a very flourishing instrument of socio-economic development and women empowerment since the time it was started in different parts across the country. The SHG programme has linked millions of poor people, especially women, to the financial and banking sector and more importantly created healthy financial habits like savings, inter-lending, loaning. To examine the level of economic empowerment and development through SHGs, this particular research was conducted with the specific objective to study the SHGs that were actively working under the Baba Saheb Ambedkar Hast Shilp Yojana (AHVY) in Haryana. A total of 300 women respondents from four villages of two districts of Haryana formed the sample size of the study. A number of income generating activities were undertaken by the members after joining SHGs. The result showed positive change in indicators in terms of income, employment and savings after joining the SHG. The majority of SHGs was using saving for inter-loaning purposes and there was a visible development seen in their income and living standards which indicate a positive development in rural Haryana.