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Published by: amitsonawane on Mar 09, 2010
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 Project Report On
“SELF HELP GROUP – BANK LINKAGE PROGRAMME ANDIMPACT OF MICROFINACE ON RURAL ECONOMY”
 Submitted by
Mr. Madhav Marotrao ChavanPost Graduate Diploma in Agri Business ManagementUNIVERSITY OF MUMBAI’SGarware Institute of Career Education & DevelopmentVidyanagari, Santacruz (East)Mumbai 400098
Session 2007-2009 
ACKNOWLEDGEMENT
 
Acknowledgement in my opinion is very difficult to write in words. Since it is thepart of research activities. Where you may feel emotional and at the same time youneed to recall all those incidents, where I received help from others. So fast andforemost responsibility, I first thank to God and all those who may have contributedon providing insight for this project report writing directly or indirectly. Behind thesuccess of every person there is a hand of few, it may be luck, god, parents,relatives, family members, advisers, guides. I acknowledge and thank all of them.I express my profound and deep sense of gratitude to my project guide
Mr. S.N. Salunke,
(Chief. Manager, Union Bank of India) for his constant encouragementand sustained interest right from the suggestion of the problem to completion of Project work. It gives me immense pleasure to express my heartfelt gratitude andsincere thanks to
,
 
Mr. Y. S. Bhand
(Extension Officer, Panchayat Samaiti, Mulshi)and
Mr. Vikas Kudave
(Volunteer of Mahila Va Balak Vikas Mandal, Pune)
 
for themkeen interest and valuable suggestion at various stages of this investigation.I extend my thanks to “
Dr. Arun Kshirsagar”
Director GICED, University of Mumbai, “
Mr. Shirish Patil”
course coordinator I acknowledge with respects to
Mr. Haslekar, Mr. Varadkar 
(Union Bank of India, Paud Branch).I would like to express my gratitude to ever helping hands to my friends andclassmates GICED, PGD-ABM batch of 2007-09. 
Madhav Marotrao Chavan
ABSTRACT
More than subsidies poor need access to credit. Absence of formalemployment take them non bankable. This forces them to borrow from local
 
moneylenders at exorbitant interest rates. Many innovative institutional mechanismshave been developed across the world to enhance credit to poor even in theabsence of formal mortgage. The present project discuss conceptual framework of microfinance in India. The successes and failures of various micro financeinstitutions around the world have been evaluated and lessons learnt have beenincorporated in a model microfinance institutional mechanism in India.Microfinance is gathering momentum to become a major force in India. Theself-help group (SHG) model with bank lending to groups of (often) poor womenwithout collateral has become an accepted part of rural finance. The projectdiscusses the state of SHG-based microfinance in India. With traditionally loss-making rural banks shifting their portfolio away from the rural poor in the post-reformperiod, SHG-based microfinance, nurtured and aided by NGOs, have become animportant alternative to traditional lending in terms of reaching the poor withoutincurring a fortune in operating and monitoring costs. The government and NABARDhave recognized this and have emphasized the SHG approach and working alongwith NGOs in its initiatives. Over half a million SHGs have been linked to banks over the years but a handful of states, mostly in South India, account for over three-fourthof this figure with Andhra Pradesh being an undisputed leader. In spite of theimpressive figures, microfinance in India is still presently too small to create amassive impact in poverty alleviation, but if pursued with skill and opportunitydevelopment of the poor, it holds the promise to alter the socioeconomic face of theIndia’s poor.
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