Women Empowerment through SHGs: A Case of Ludhiana District, Punjab
Dr. Munish Kapila
Women, microfinance, economic empowerment, managerial empowerment, social empowerment
The present study evaluates the impact of microcredit on women empowerment with regard to economic, managerial and social empowerment in the rural areas of Ludhiana, Punjab. The main finding of the study revealed that with the intervention of microcredit programme, the rural women are coming outside the homestead to participate in various income-generating activities. The study showed that say of the women respondents after joining Self Help Group has improved significantly. The involvement of women in economic activities, therefore, has developed the managerial skills, leadership quality and social recognition in the society, self-respect, and self-confidence of the women. The study brought out that, in general, being the part of microfinance programme, women members have increased their decision-making ability, communications skills, influence on financial decisions in the family etc. Thus, microfinance has strengthened the women empowerment in terms of economic, managerial and social aspects. The regression coefficients with respect to economic, managerial and social empowerment indicated that the impact of microcredit is highly significant and established a positive relationship with empowerment index in the rural area of Ludhiana, Punjab. Thus, women mobilization towards Self Help Groups should be encouraged so that they get a part of the microfinance programme and an appropriate amount women empowerment should be ensured for their social recognition and overall economic development.
Article Details
Unique Paper ID: 152588

Publication Volume & Issue: Volume 8, Issue 3

Page(s): 845 - 853
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