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Women Empowerment

(Vol. 16, No. 2, April-June, 2018) ISSN 0973 – 8444
Women Empowerment through Micro Credit: A Case Study of Rural Khunti District of Jharkhand, India
Priyanka Sahu1 & T. K. Venkatachalapathy2
1Doctoral Fellow, School of Economics, University of Hyderabad, Hyderabad -500046, India. E-mail:, Contact Number - 6301716945
2Post - Doctoral Fellow, School of Economics, University of Hyderabad, Hyderabad -500046, India.
Abstract: The paper examines the role of the SHGs micro-credit scheme for the empowerment of women in rural areas of Khunti district of Jharkhand state. Personal meeting and interview was organized with one hundred and eighteen poor tribal women during the period of June 2016 – August 2016. The study aims to examine the socioeconomic background, changes in the employment activity, income, borrowing and saving habits of the sample respondents before and after the micro-credit loan. It also overviews their perceived benefits post-SHGs participation and changes in their role in household decision-making. The methodology employed for studying the objectives are Standard of Living Index and Garret Ranking Technique. The findings reveal that the post-SHGs have started saving and borrowing with banks, rather than depending on their relatives and friends. This has resulted in their financial inclusion. Their major perceived benefits from the scheme of the SHGs programme have improved their socio-economic and political decision-making.
Keywords: Tribal Women Empowerment, Bank –linkage, Self-help groups, Micro-credit and Rural area.
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