Usage Pattern and Saving Behaviours of Self-Help Groups Banks Linkage Programme: A Study of Rural Uttar Pradesh
Keywords:
SHGs, Uttar Pradesh, Credit, Faizabad, Sultanpur, Rajeev Gandhi Mahila Vikas PariyojanaAbstract
On the basis of consumption patterns and saving behaviour, the current study attempts to estimate the financial performance of SHGs in terms of credit-assessed households. The survey has been chosen by the state of Uttar Pradesh. Following that, the Rajeev Gandhi Mahila Vikas Pariyojana (RGMVP) made a conscious choice. A total of 450 households were chosen from villages in the Faizabad and Sultanpur districts. According to the findings of the study, credit-assessed households use SHG credit for both income and non-income generating activities. However, because the amount of SHG credit is insufficient to generate income, it is mostly used for non-income purposes. Furthermore, while saving behaviour is an issue, credit-assessed households are using SHG credit to save although they will use the money for medical needs later.
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