Micro enterprises: A tool for socio economic development of women SHGs in Kanyakumari District
Dr. M. Julias Ceasar
There are three distinct modes to route the credit to micro enterprises namely; first mode with banks lending directly to the SHGs for lending to micro entrepreneurs, the second mode, banks provide loans to the Non-Government Organisations (NGOs) for lending to the SHGs and ultimately to micro entrepreneurs and under the third mode, banks extend credit to the SHGs with the NGO as facilitator. This study is focussed on evaluating the history, development, performance and changes in socio-economic conditions of the members of SHGs. The present study is based on both primary and secondary data. The primary data were collected through two interview schedule, one for SHGs and another for SHG’s members. The secondary data were collected from books, journals, websites and records of Mahalir Thittam Office, Kanyakumari. The data were collected from 190 self-help groups and 570 members through interview schedule. This study deals with the SHGs formed in Kanyakumari District that has focus on the developmental perspective and the empirical findings of this study would pave the ways and means for taking certain policy decisions to strengthen the SHGs in the study area.