ANALYSIS OF SHARE OUT AMOUNT

A survey was done for 250 SHG+ members in BIHAR, 145 members in MUZAFFAPUR
district and 105 members from SAMASTIPUR district. The total distribution of share
amount is illustrated in the below table.

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

UTILIZATION
ACTIVITIES
Farming
Health
house reconstruction
Livestock
home expenses
Jewellery
Bank
Business
Moneylenders
Education
Marriage
Repayment of other
loans
Travel(work)
Travel(other)
Land
TOTAL

AMOUNT
UTILIZED(MU
ZAFFARPUR)
71997
37520
54780
115787
13650
85700
45730
122870
128503
33720
29510

AMOUNT
UTILIZED(SAMAS
TIPUR)

TOTAL(BIH
AR)

117194
86804
44600
54176
42385
13500
0
33260
77385
62502
76911
0

189191
124324
99380
169963
56035
99200
45730
156130
205888
96222
106421
46110

30000

55000
17397

21010
666824

21010
1488001

46110
25000
10300
0
821177

7097

Table 1 Total distibution of share out amount in bihar

Mainly three types of communities could be found in BIHAR region which are:1. Hindu
2. Muslim
3. SC
The distribution of these communities in the samples collected is given in the below
table:PARTICULARS
HINDU
MUSLIM
SC
TOTAL

PERCENTAGE
21.60
47.60
30.80
100

Table 2 Community distibution Of samples collected

The analysis was done with focusing on 2 major divisions of the share out amount
which are investment and consumption. Investment includes are the activities in
which a SHG+ members puts their money with a hope of having any future benefits
from it whereas the consumption part includes all the activities which do not lead to
any further income or wealth growth for the family.
INVESTMENT includes the following activities:

Farming
Jewellery
payment to Moneylenders
Payment to other loaning institution
Deposit in Banks
Livestock
Travel(work purpose)
Investment in business

Whereas CONSUMPTION includes the following:

Home expenses
Marriage
Travel(other than work Purpose)

AREA WISE ANALYSIS

The foundation is working on mainly two districts of Bihar which are Muzaffarpur
and Samastipur. A detailed analysis for the two separate districts is shown below
1. Muzaffarpur district
The distribution of the total share out amount in the muzaffarpur district is
shown in the 1st table. The distribution of the total share out amount in
investment and consumption activities is shown in the below chart:-

Share out amount(MUZAFFARPUR)

consumption; 22%

Investment; 78%

The distribution of the investment amount in different activities is shown as

below:-

INVESTMENT ACTIVITIES(MUZAFFARPUR)

Farming; 10%
business; 17%
Health+education; 10%
Livestocks; 16%
Moneylenders+repayment of other Loans; 24%
Travel(work); 4%
Jewellery + bank; 18%

The distribution of consumption activities in Muzaffarpur is given as below:-

Consumption Activities(MUZAFFARPUR)

Travel(other); 10%

Marriage; 27%
Home expenses+ house construction; 63%

2. SAMASTIPUR DISTRICT
The distribution of the total share out amount in the Samastipur district is
shown in the 1st table and distribution of the total share out amount in
investment and consumption activities is shown in the below chart:-

Share out amount(SAMASTIPUR)

Consumption; 28%

Investment; 72%

The distribution of the investment amount in different activities is shown as

below:-

INVESTMENT ACTIVITIES(SAMASTIPUR)

Livestocks; 11%
Business; 7% Farming; 25%
Jewellery+bank; 3%
Travel(work); 6%
Moneylender+ repayment to other loans; 16%
Health+education; 31%

The distribution of the consumption amount in different activities is shown as

below:-

Consumption Activities(SAMASTIPUR)

Home expenses+ house construction; 51%

Travel(other); 4%

Marriage; 45%

COMMUNITY WISE DISTIBUTION OF SHARE OUT AMOUNT

1. HINDU COMMUNITY IN BIHAR
The share out of the hindu community in bihar is shown as below:PARTICULARS
Farming
Livestock
Jewellery
Moneylender
Health+ Education
Travel(work)
Travel(others)
Home expenses+ House
construction
Marriage
Repayment to other loans
TOTAL

AMOUNT
41997
65160
27300
36780
25200
4300
1200
18750

PERCENTAGE
15.39
23.88
10.01
13.48
09.24
01.58
00.43
06.87

16410
4080
272797

06.02
01.5
100

Table 3 Total Share out distribution of Hindu community in Bihar

Distribution of the total share out amount of the Hindu community in investment
and consumption activities is shown as below:-

Share out distribution (hindu community)

consumption activities; 26%

Investment activities; 74%

Table 4 Share out Distribution

The division of utilization of share out amount in Investment activities and

consumption activities is shown as below:-

Distibution of investment activities(HINDU COMMUNITY)

Travel(work); 2%

Jewellery + Bank; 14%

Livestocks; 32%
Farming; 21%

Health + education; 13%

Moneylender+repayment of other loans; 18%

Table 5 Distribution of investment activities (HINDU COMMUNITY)

Distribution of Consumption activities(HINDU COMMUNITY)

Travel(others); 3%

Marriage; 45%

Home expenses+House construction; 52%

Table 6 Distribution of Consumption activities (HINDU COMMUNITY)

2. DISTRIBUTION OF SHARE OUT AMOUNT IN MUSLIM COMMUNITY

The total distribution of the share out amount in the Muslim community is illustrated
in the below table:PARTICULARS
Farming
Livestock
Jewellery
Moneylender
Health+ Education
Travel(work)
Travel(others)
Home expenses+ House
construction
Marriage
Repayment of other loans
TOTAL

AMOUNT
88900
51800
54600
67500
98440
48900
12000
68080

PERCENTAGE
12.96
07.56
07.97
09.84
14.35
07.13
01.75
09.92

44000
18500
685820

06.41
02.62
100

Distribution of total share out amount in Muslim community is illustrated in the

chart below

Share out distribution (MUSLIM COMMUNITY)

Consumption; 39%

Investment; 61%

The distribution of the share out amount by the muslim community in investment
activities is shown in the below chart.

Distribution in Investment activities(MUSLIM COMMUNITY)

Jewellery+bank; 13%
Health+ Education; 23%
Travel(work); 11%

Livestocks; 12%
Moneylender+ repayment of other loans; 20%
Farming; 21%

Distribution of share out amount in consumption activities

Distribution in Consumption Activities(MUSLIM COMMUNITY)

Travel(other); 10%
Home expenses+House construction; 35%

Marriage; 55%

3. DISTRIBUTION OF SHARE OUT AMOUNT IN SC COMMUNITY

The total distribution of the share out amount by the SC community is given in the
below Table:PARTICULARS
Farming
Livestock
Jewellery
Moneylender
Health+ Education
Travel(work)
Travel(others)
Business
Home expenses+ House
construction
Marriage
Repayment of other loans
TOTAL

AMOUNT
58294
53003
17300
105688
96906
4500
1497
31560
68585

PERCENTAGE
11.04
10.01
03.28
20.01
18.35
00.85
00.28
03.9
12.99

46011
23530
527884

08.716
04.45
100

Distribution of share out amount in investment and consumption activities is shown

as below:-

Distribution of share out amount(SC COMMUNITY)

consumption; 32%

Investment; 68%

The distribution of the share out utilization in Investment activities is shown as

below:-

INVESTMENT ACTIVITIES (SC COMMUNITY)

Travel(work)+ Business; 9% Farming; 15%

Health+education; 25%

Livestocks; 14%

Jewellery+bank; 4%

Moneylender+repayment of other loans; 33%

Distribution of share out amount in consumption activities is shown as below:-

Consumption Activities(SC COMMUNITY)

Travel(other); 1%
Marriage; 40%
Home expenses+ house construction; 59%

WHO PLAYS THE MAJOR ROLE IN DECIDING HOW TO UTILIZE THE SHARE AMOUNT
All the SHG+ members were consulting their family for suggestions regarding how
they will be utilizing the share out amount. And as most of the families in this
region are nuclear families that is families of a couple and their dependent children
only, almost the SHG+ members were consulting their husbands for suggestions.
246 members out of 250 were consulting their husbands whereas the rest 4
members were consulting their father-in-law for suggestions. Although the final
decision is not dependent on whom the members are consulting. It was seen that
only 30.275% members were finally concluding the decision themselves whereas
68.125% where dependent on their husbands for the final call of utilizing the share
out amount. And the rest 1.6% were going by the decisions made by their father in
laws.

Final Decision for utilization

Father in law; 2%
Themselves; 30%

Husband; 68%

Figure 1 final decision for utilization for all members

Another aspect to find out the dependency of the decision for final utilization of
share out amount can be by looking at whose money is saved at SHG+, as if a
housewife is a member of SHG+ it is very obvious that either her husbands or her
father in laws money is being saved in SHG+ and in such a case there is a huge
possibility that either the Husband or the father in law makes the final decision.

According to the data collected it was seen that 62.8%(157 members) of the SHG+
members were working members. Mainly engaged in farming, farm labors, labors,
livestock and a few were having their own businesses.
Out of that 157 working members 37.57%( 59 members) where taking the final
decision themselves whereas 59.88%(94 members) were dependent on their
husbands for the final decision and the rest 2.54% (4 members) where dependent
on their father in law.

Final decision (Working Members)

No Planning; 8%
Father in law; 3%

Themselves; 37%

husband; 52%

Figure 2 Final Decision for Utilization for working Members

On the other hand out of the 93 non earning members only 21.51%(20 members)
were taking the final decision themselves whereas 74.2%(69members) were
dependent on their husbands and the rest 3.29% (4 members) were dependent on
their father in law for the final decision.

Final Decision(Non Working Members)

NO Plans; 12% themselves; 16%

Father in law; 2%

husband; 70%

FUTURE PLANS FOR THE UTILIZATION OF SHARE OUT AMOUNT

90.8%(227) of the members were having some plans for the next share out. Rest
9.2%(23) members did not had any plans for the next share out amount, according
to them the share out utilization cannot be planned because of many uncertainties.
And they believe to utilize the amount according to the situation at the time when
they receive the share out amount.
Future plans of 88.27% members are shown in the below table:FUTURE PLAN
Farming
house
reconstruction
Livestock
Jewellery
Bank
own business
Moneylenders
Education
Marriage
Family business

MEMBERS(MUZ
AFFAPUR)
10
3

MEMBERS(SAM
ASTIPUR)
26
1

20
12
19
13
26
9
8
4

12
4
0
7
15
8
9
2

Travel
No Plans
House expenses
TOTAL

4
17
0
145

10
6
5
105