Proceedings of the 9th Annual International Conference on 4C’s-Communication, Commerce, Connectivity, Culture, SIMSARC 2018, 17-19 December 2018, Pune, MH, India

Research Article

An empirical study on “Financial Inclusion through Self Help Groups Bank Linkage Programme – An Economic Catalyst to Transform Rural India”

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  • @INPROCEEDINGS{10.4108/eai.18-12-2018.2283840,
        author={Vanishri R. Hundekar},
        title={An empirical study on “Financial Inclusion through Self Help Groups Bank Linkage Programme -- An Economic Catalyst to Transform Rural India”},
        proceedings={Proceedings of the 9th Annual International Conference on 4C’s-Communication, Commerce, Connectivity, Culture, SIMSARC 2018, 17-19 December 2018, Pune, MH, India},
        publisher={EAI},
        proceedings_a={SIMSARC},
        year={2019},
        month={9},
        keywords={self help groups bank linkage programme financial inclusion index self help group penetration banks penetration rural india financial services},
        doi={10.4108/eai.18-12-2018.2283840}
    }
    
  • Vanishri R. Hundekar
    Year: 2019
    An empirical study on “Financial Inclusion through Self Help Groups Bank Linkage Programme – An Economic Catalyst to Transform Rural India”
    SIMSARC
    EAI
    DOI: 10.4108/eai.18-12-2018.2283840
Vanishri R. Hundekar1,*
  • 1: Department of MBA, KLS Gogte Institute of Technology, Belagavi, Karnataka
*Contact email: vanirhj9@gmail.com

Abstract

Financial inclusion, an ambitious nation-wide program of GOI under the aegis of World Bank strives to cover every citizen under the ambit of banking & financial services. SHG was introduced with multiple aims like access to loan, enabling income generation, encouraging savings and eventually empowering the poor. This research aims to measure the penetration of financial inclusion through SHGBLP in the state of Karnataka using financial inclusion index as a yardstick. Parameters viz. bank penetration, credit penetration, and penetration of SHG in various districts of Karnataka have been used to compute financial inclusion index. Study is a combination of empirical and conceptual research illustrating the conjoint relationship between the parameters to determine the rate of financial inclusion through SHGBLP in the state of Karnataka as an anecdote in India per se. The study was conducted in Belagavi district. Statistical tools like reliability test, Pearson’s correlation analysis, Chi-square tests are used.