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0 Introduction 1.1 Micro Finance and Women Empowerment 1.2 Kudumbashree 1.3 Statement of the Problem 1.4 Need and Importance of the Study 1.5 Review of Literature 1.6 Objectives of the Study 1.7 Hypotheses of the Study 1.8 Methodology of the Study Fig. 1.1 Selection of Samples for the study 1.9 Standard Fixed for the Assessment of Level of Empowerment of NHG Members 1.10 Operational Definitions 1.11 Scope and Limitation of the Study 1.12 Period of the study 1.13 Organisation of the Thesis References 2. WOMEN EMPOWERMENT A THEORETICAL ANALYSIS 2.0 Introduction 2.1 The Concept of Empowerment 2.2 The Concept of Women Empowerment 2.3 Characteristics of Women Empowerment 2.4 Need and Importance of Women Empowerment 2.5 The Dimensions of Women Empowerment 2.6 Steps in Women Empowerment. 2.7 Stages of Women Empowerment 2.8 Strategies of Womens Empowerment Ways and Means of achieving Women Empowerment 2.9 The Policy Approaches to Women Empowerment 2.10 Indicators of Empowerment 2.11 Poverty Alleviation and Women Empowerment Fig.2.1. Vicious Circle of Poverty 2.12 Five Year Plans and Empowerment of Women 2.13 Conclusion 3. ROLE OF MICRO FINANCE AND SELF HELP GROUPS IN WOMEN EMPOWERMENT 3.0 Introduction 3.1 Micro Finance and Women Empowerment 3.1.1. The Concept of Micro Finance 3.1.2. Trickle up Approach of Micro Finance 3.1.3. Features of Micro Finance 3.1.4. Significance of Micro-finance 3.1.5. Micro Financing: Shift from the Traditional Banking System Fig.3.1 Comparison of Micro Finance and Formal Banking

3.1.6. Evolution of Micro Finance 3.1.7. Methodologies of Micro Finance 3.1.8. Micro Finance Institutions 3.1.9. Importance of Micro Finance Institutions 3.1.10. Classification of Micro Finance Institutions (MFIs) 3.1.11. Micro Enterprises 3.2. Self Help Groups and Women Empowerment 3.2.1. The Concept of Self-Help Groups 3.2.2. The Features of Self Help Groups 3.2.3. Need and Importance of Self Help Groups 3.2.4. Role of Self Help Groups 3.2.5. Formation of Self- Help Groups Phases of Group Formation 3.2.6. Linking Self Help Groups with Banks 3.2.7 Refinance Assistance provided by NABARD 3.2.8. Micro Finance: Instrument for Womens Empowerment 3.2.9. Self Help Groups for Women Empowerment 3.3 Conclusion 4. KUDUMBASHREE PROJECT IN KERALA - AN OVERVIEW 4.0 Introduction 4.1 Implementation 4.2 Mission Statement 4.3 Need for the Formation of Kudumbashree 4.4 Objectives of Kudumbashree 4.4.1 Specific Objectives 4.4.2 General Objectives 4.5 Evolution of Kudumbashree 4.5.1 Urban Model - Alleppey Community Development Society 4.5.2 Rural Model - Malappuram Community Based Nutrition Programme (CBNP) 4.6 Structure of Kudumbashree Fig.4.1 Functional Structure of NHG Fig.4.2 The Structure of ADS Fig.4.3 Functional Structure of Kudumbashree CDS Fig.4.4 Organogram of Kudumbashree 4.7 Action Plan of Kudumbashree 4.8 Major Activities of Kudumbasree Fig.4.5a Three Dimensional Cluster Bar Diagram of Thrift and Credit, 2005 Fig.4.5b Three Dimensional Cluster Diagram of Thrift and Credit, 2006 Fig.4.6 Multiple Bar Diagram of Linkage Banking Fig. 4.7 Functioning of RIS 4.9 Anti-Poverty Programmes of Kudumbashree Fig.4.8 Pie Diagram of Physical Achievements of VAMBAY, 2001-02 to 2004-05 4.10 Thrift and Credit Operations of Kudumbashree Fig.4.9 Trend of Thrift and Credit under Kudumbashree Rural Fig.4.10 Trend of Thrift and Credit under Kudumbashree Urban Fig.4.11 Graph of Velocity of Lending: Rural-Urban 4.11 Conclusion 5. WOMEN EMPOWERMENT AND KUDUMBASHREE PROJECT IN KERALA AN EMPIRICAL ANALYSIS 5.0 Introduction 5.1 General Information 5.2. Neighbourhood Group (Ayalkoottam) Under the Kudumbashree Project 5.3. Micro Finance and Micro Enterprises

5.4 Problems of NHG Members 5.5 Women Empowerment 5.6 Results of the Hypotheses Tested 5.7 Conclusion 6. SUMMARY, FINDINGS, SUGGESTIONS AND CONCLUSION 6.0 Introduction 6.1 Summary of the Study 6.2 Major Findings of the Study 6.3 Suggestions 6.4 Conclusion BIBLIOGRAPHY APPENDICES