Introduction

‡ In order to uplift the status of the people who are under poverty line the government has started a program called self help groups ‡ provide the space for the members to develop a livelihood strategy and to acquire the skills and confidence to initiate change in themselves. ‡ SHG¶S also helps to them in getting the loans from governments with a very nominal rate of interest ‡ The SHG¶S are very much famous in the country most of the micro finance is generated trough these self help groups some famous groups are DWCRA groups and Rythu Mithra Groups.

but can mobilize savings and pay loan installments regularly. areas and villages Activity Rich/non-poor. regular jobholders.Number restricted to 20 . same livelihood preference to women staying in other streets.Not willing to respect group norms/ procedures Economic aspects Group related Can/willing to attend group meetings regularly.FORMATION OF SHGS Criteria Inclusion Exclusion Geographic aspects Preference to women staying in the same street. those who can't or will not save and pay loan installments regularly Unwilling to attend meetings regularly . area. locality and village Poor. Willing to respect group norms/procedures .

No.0 11.3 12.3 19.8 1 2 3 4 5 6 7 8 Income level Credit availability Access to formal institutions Habit of saving Access to pro-poor programme Expenditure on food Freedom from money-lenders Employment 4.3 .0 12.3 34.0 10.3 2.0 67.8 17.3 3.3 16.5 69.5 Significa nt Improve ment 14.8 43.8 43.5 17.3 42.0 20.5 7.3 6.0 1.0 8.5 Noticeab le Improve ment 70. Issues No Change Insignifi cant improve ment 11.3 42. most members (94%) reported a clear improvement in their savings habit S.IMPACT OF SHG¶S Impact on Member¶s Financial Status In terms of changes in their financial status.0 29.5 51.3 32.8 26.0 20.5 6.

00 Total SHGs .Linkages and improvement in income No.5 100.00 4th -16.3 -100.00 2nd 3.0 -100.8 0. of linkages Amount of change 1st No change Little change Moderate to significant Change for worse Total 5.0 84.9 10.3 100.00 3rd --100.9 85.7 83.8 13.5 0.3 -100.00 4.3 11.0 80.

3 49.3 7.0 38.8 11.Impact on Members¶ Social Status S.8 30.5 13.3 .3 43.0 27. Issues No Change Insignific ant improvem ent Noticeabl e Improve ment Significan t Improve ment 1 2 3 4 5 6 7 8 Decision making power Self-confidence Leadership qualities Self reliance Group solidarity Health status Representation in other groups Education level 3.3 17.0 39.5 60. No.0 32.8 4.3 17.8 2.8 68.0 22.3 3.5 14.3 29.5 58.0 4.5 61.0 17.5 17.5 3.3 7.3 55.5 6.8 11.3 19.

6 14 130 138 20 268 .No.MEMBERSHIP IN SHG¶S ‡ In order to see what changes have taken place in MEDAK & RANGA REDDY District the following data is shown Sl. Name of the Village MEDAK DIST RANGA REDDY DIST Total No. 2. of SHGs Total Member s 1.

3.92 32. 2.28 14. No.96 100.84 8. 1. .MEDAK DISTRICT Reasons for Joining SHGs No. of respondents For getting loan For promoting savings For social status For other reasons Total 58 20 40 12 130 Percentage 43.00 Sl. 4.

49 100. 11. Less than 1000 1000-2000 2000-3000 3000-4000 4000-5000 5000-6000 Above 6000 Non-earning members Total Before joining No. 3.73 19.96 7.46 3. 6.63 4.34 2. of Respond ents 5 26 41 14 33 6 3 2 130 Percentage 1.39 100.95 18. 7.45 24. 2.48 2.66 31. of Respond ents 16 25 38 4 10 5 2 30 130 Percentage After joining No.00 . Monthly Income Rs.75 1. 4.00 3. No.Before and after joining SHG Income level Sl. 5.40 33.58 10. 8.23 1.49 22.

3. of respondents . No.RANGA REDDY DIST Reasons for Joining SHGs Reasons Sl. For getting loan For promoting savings For social status For other reasons Total 62 22 40 22 138 No. 2. 1. 4.

4. 8.BEFORE JOINING Sl. 3. 2. Monthly Income Rs. Less than 1000 1000-2000 2000-3000 3000-4000 4000-5000 5000-6000 Above 6000 Non-earning members Total No. 1. of Respondents 10 31 43 5 12 4 3 30 138 . No. 6. 5. 7.

6.45 24.00 .49 134 100. No. 7. 2. Less than 1000 1000-2000 2000-3000 3000-4000 4000-5000 5000-6000 Above 6000 Non-earning members Total No.AFTER JOINING SHG¶S Sl.23 1. of Respondents Percentage 1.40 33. 3. 5. 5 26 45 14 33 6 3 2 3. Monthly Income Rs.63 4.73 19. 4.48 2.58 10. 8.

 Candle and agarbatti making RANGA REDDY DIST  Washing Powder --.  Cleaning Powder --.ACHIEVEMENTS MEDAK DIST  Banjara garments  soft toys etc.³Super bright´ detergent powder.  Detergent Powder --.³Wonder Clean´  Leaf-plate making & dress designing .³Rashmi´ Washing Powder.

Conclusion ‡ It is found that the income of the women has been increased after joining the SHGs. ‡ It is observed that people are able to save some amount of money after joining SHG¶S ‡ The standard of living has been increased and they are able to produce different goods ‡ Thus micro finance is a tool for poverty alleviation . ‡ The good practice of the SHGs in the study area is repayment of the loan in time.

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