An Empirical Study Related to Financial and Non-Financial Benefits Through Self-Help-Groups (SHGs) linked with Regional Rural Banks Delivered to the Scheduled Caste Communities in Rural Assam, India
In India, SHG is a tool which facilitates financial intermediation and provides microfinance to the needy people. In this regards the role of Banks for linking the SHGs is vital. Bank provides finance to the SHGs for starting their entrepreneurial activities. In Assam the Regional Rural Banks (RRBs) played a vital role for linking large number of SHGs for providing microfinance to the vulnerable specially the Tribal and the SCs. The present research paper has made an attempt to study the role of Self-Help-Groups (SHGs) for gaining the financial and non-financial benefits through SHGs linked with RRBs for the socio-economic development of SC communities living in the rural areas of Assam. A survey on the performance of the SHGs, the social and economic impact of SHG members was conducted at the three rural district of Assam (Dhemaji, Lakhimpur & Majuli District). The investigation was primary and secondary data based study. For collecting primary data 10 development blocks (5 blocks from Lakhimpur district, 3 blocks from Dhemaji district and 2 blocks from Majuli district) have been purposively selected. Again from each development blocks 10 SHGs and from each sample SHGs 3 members have been randomly selected (10x10x3=300 respondents) for the purpose of the study. From the study it has been observed that RRBs in the rural areas of Assam has been playing important role for the socio-economic development among the SC communities.
Key word- Financial & Non-Financial Benefits, SHG, Scheduled Caste Communities and Regional Rural Banks (RRBs).
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