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Role of microfinance in women empowerment:an empirical study in Alwar district, Rajasthan, India

Role of microfinance in women empowerment:an empirical study in Alwar district, Rajasthan, India
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The present work is done to study the empowerment of women through Microfinance. The survey was conducted in Alwar district of Rajasthan on around 50 respondents, covering a sample of beneficiaries.

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Role of microfinance in women empowerment:an empirical study in Alwar district, Rajasthan, India

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Nội dung Text: Role of microfinance in women empowerment:an empirical study in Alwar district, Rajasthan, India

  1. International Journal of Management (IJM)
    Volume 9, Issue 2, March–April 2018, pp. 31–36, Article ID: IJM_09_02_003
    Available online at
    http://www.iaeme.com/ijm/issues.asp?JType=IJM&VType=9&IType=2
    Journal Impact Factor (2016): 8.1920 (Calculated by GISI) www.jifactor.com
    ISSN Print: 0976-6502 and ISSN Online: 0976-6510
    © IAEME Publication

    ROLE OF MICROFINANCE IN WOMEN
    EMPOWERMENT:AN EMPIRICAL STUDY IN
    ALWAR DISTRICT, RAJASTHAN, INDIA
    Rejoice Solomon
    Assistant Professor, LIET, Alwar, Rajasthan, India
    Research Scholar, Dept. of Management Studies,
    Poornima University, Jaipur, Rajasthan, India.

    ABSTRACT
    Microfinance plays a vital role for gender equality and empowering women. In
    India, Government has bought a number of development project but most of them have
    ignored the women. Microfinance plays a vital role for the elevation of poverty and
    for the empowerment of women. Women are the most decisive component of the
    society and are playing a vital role in the socio-economic framework of Rajasthan.
    Microfinance Program like SHG does motivate small amount of saving among the
    members. The present work is done to study the empowerment of women through
    Microfinance. The survey was conducted in Alwar district of Rajasthan on around 50
    respondents, covering a sample of beneficiaries.
    Key words: SHGs, Women, Empowerment, Microfinance.
    Cite this Article: Rejoice Solomon, Role of Microfinance in Women Empowerment:
    An Empirical Study in Alwar District, Rajasthan, India. International Journal of
    Management, 9 (2), 2018, pp. 31–36.
    http://www.iaeme.com/IJM/issues.asp?JType=IJM&VType=9&IType=2

    1. INTRODUCTION
    Microfinance is the gateway for the poor to improve their standard of living. It helps the
    needy under social, political and economical aspects. Microfinance empowers the women
    through self help group. Microfinance provides banking services to the poor and needy.
    The main objective of Microfinance is to empower women. It works as a powerful tool for
    women empowerment in the new economy. By empowering women it helps the society to get
    out of social evils. The two main problems facing by India are poverty and women
    empowerment. The development of India takes place only when there is an alleviation of
    poverty and empowerment of women. Empowerment of women focuses on education and
    employment which are an important element to sustainable development.
    Self Help Groups (SHGs): A Self-Help Group is a group of people from the same socio-
    economic background up to 20 members. These groups are promoted by Government

    http://www.iaeme.com/IJM/index.asp 31 editor@iaeme.com

  2. Rejoice Solomon

    agencies or NGOs with the aim of solving the common problems of group members either
    financial or social through mutual help.
    Features of Self Help Groups are: i. SHGs are well accepted and established by
    government or NGOs. They can open accounts in bank in its own name, receive government
    grants and funds for various expansion activities. ii. They perform various activities as social
    intermediaries and often involved in numerous social activities. iii. They keep their own
    books of accounts. iv. It is a structured body including elected, Group President, Secretary
    and Treasurer. v. They have self-governing body. vi. SHGs activate small saving and rotate it
    in group

    2. REVIEW OF LITERATURE
    A number of studies have been carried out by various institutions, researchers and the
    agencies that have emphasized the constructive impact and trends of SHGs on economic and
    social empowerment of women. Some of accessible related studies are being reviewed here.
    Ranjula Bali Swain (2007) Can Microfinance Empower Women? Self-Help Groups in
    India” concluded many strides have been made in the right direction and women are in the
    process of empowering themselves and NGOs that provide support in financial services and
    specialized training, have a greater ability to make a positive impact on women
    empowerment.
    SusyCheston, Lisa Kuhn in their article titled „Empowering Women through
    Microfinance‟ concluded Microfinance has the potential to have a powerful impact on
    women‟s empowerment.
    Ranjula Bali Swaina and Fan Yang Wallentin (September 2009) in their article „Does
    microfinance empower women? Evidence from self-help groups in India‟ concluded that their
    study strongly indicate that SHG members are empowered by participating in microfinance
    program in the sense that they have a greater propensity to resist existing gender norms and
    culture that restrict their ability to develop and make choices.

    3. OBJECTIVES OF THE STUDY
    1.Toanalyse the affect of micro-finance on socio-economic women-empowerment.
    2.To offer suggestions for the betterment of women‟s empowerment.

    4. RESEARCH METHODOLOGY
    Sources of data: the study is undertaken in rural areas of Alwar region. Primary data is
    enumerated from a field survey in the study region.
    Sample Size: samples have been collected for the research from rural area of Alwar region
    Statistical tools used: simple percentage analysis, cross tabulation has been used to alalyse and interprets the
    data.
    Method of data collection: – a structured interview scheduled was prepared and used for
    collecting data from the rural SHG members who engaged in micro enterprises through
    microfinance.

    http://www.iaeme.com/IJM/index.asp 32 editor@iaeme.com

  3. Role of Microfinance in Women Empowerment: An Empirical Study in Alwar District, Rajasthan, India

    Educational qualifications of respondents

    16
    14
    12
    10
    8
    6
    4
    2
    0
    illeterate literate primary secondary higher UG
    secondary

    40% of the women were illiterate, 22% were literate, 10% were studied up to primary
    level, 16% were studied up to secondary, 8% were studied up to higher secondary and only
    4% of the women were graduate.
    Reduction in poverty level
    40
    35
    30
    25
    20
    15
    10
    5
    0
    to great extent to some extent to low extent

    70% of the women stated that microfinance has reduced their poverty level to a greater
    extent.

    5. LIMITATIONS OF THE STUDY
     The study is confined with the rural areas of Alwar; hence the result may not be applicable to
    urban area SHG members.
     The data was collected only from those who engaged in income generating activities.

    http://www.iaeme.com/IJM/index.asp 33 editor@iaeme.com

  4. Rejoice Solomon

    6. DATA ANALYSIS AND INTERPRETATION
    Maintenance level of the family by women.

    45
    40
    35
    30
    25
    20
    15
    10
    5
    0
    to greater extent to some extent to lower extent

    41respondents out of 50 said that they can able to maintain their family to greater extent
    followed by the 7 respondents who accepted to some extent they can able to maintain their
    family after joining in SHG
    Purpose of getting microfinance by respondents.

    25

    20

    15

    10

    5

    0
    household to start to promote educational low rate of
    purpose business exixting purpose interest
    business

    20 respondents got microfinance to start new income generating business followed by
    their household purpose.
    Marital status

    30
    25
    20
    15
    10
    5
    0
    married unmarried widoes divorced

    http://www.iaeme.com/IJM/index.asp 34 editor@iaeme.com

  5. Role of Microfinance in Women Empowerment: An Empirical Study in Alwar District, Rajasthan, India

    Employment status

    25

    20

    15

    10

    5

    0
    housewife self employed labour professional

    Employment status of the respondents shows that 44% of the respondents were
    housewives, while 40% were self employed, 10% were labour and lowest 6% were of
    professional.

    7. FINDINGS
     Women are economically and socially empowered after joining SHG and getting micro
    finance as 70 percent reported that poverty level reduced by participating micro finance
    program.
     Women are given full freedom to express their opinions
     It is found that microfinance improved the literacy level of rural women improved awareness
    on children education to high level of respondents.
     There is a definite improvement in psychological well being and social empowerment among
    rural women as a result of participating in micro finance through SHG program.
     Most of the women were employed and the take loan to start their business.

    8. CONCLUSIONS
    The SHG‟s of rural area doing their job very well. This study concluded that microfinance
    helped the rural women to empower them under social & economical. Empowerment is
    manifestly important for set-up socio-economic condition of the women. The SHG‟s enabled
    women regarding their rights and duties for the sustainable development. While interacting
    with the respondents, it was found there is a need to organise training programme for income
    generating activities. The SHGs enabled women to aware about their rights, entitlements,
    taking part in various development programmes and economic activities for their substantial
    development.

    REFERENCES
    [1] Dr.Anoop Kumar (2014) -“Statistics for economics”, First Edition, Genius Publication
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    [3] R. Panneerselvam (2016) – research Methodology, Second Edition, PHI Learning Pvt.
    Ltd., Delhi.

    http://www.iaeme.com/IJM/index.asp 35 editor@iaeme.com

  6. Rejoice Solomon

    [4] K. Rajendran and R.P. Raya (2010) Impact of Micro Finance – An empirical Study on the
    Attitude of SHG Leaders in Vellore District (Tamil Nadu, India).„Global Journal of
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    [5] Rahul Vyas and NidhiNalwaya (2013) MFI – A Study of Socio-Economic Indicators of
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    [7] Dr. V. Antony Joe Raja and V. Vijayakumar, A Study on Stress Management in Various
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    http://www.iaeme.com/IJM/index.asp 36 editor@iaeme.com

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