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IMPACT OF SHG-BANK
LINKAGE PROGRAMME ON
INCOME GENERATION OF
RURAL POOR IN RAJASTHAN
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^ To find out the number of SHGs

linked with Cooperative Banks in
Rajasthan in general and in Jaipur
and Sikar districts in particular.
^ To assess the impact of SHG-bank
linkage programme on income
generation of the SHG households
in Cooperative sector in Rajasthan.
^ To find out the variation in income
generation by households across
different types of SHGs, regions,
type of activity, type of linkage and
SHGs age in the cooperative sector
in the State.
^ To find out the variation by
comparative study of Jaipur and
Sikar District Central Cooperative
Banks.
^ To find out the number of SHG¶s
linked with Cooperative Banks in
last five years and their progress
and changes in livelihood taken
place in SHG members.
 
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Some of the studies conducted in

India are as under:-
1. Study conducted by Mr. Shankar
Chatterjee (2004) of NIRD,
Hyderabad on ³Development of
Rural Poor through Self Help
Groups´ (Ahmednagar district of
Maharashtra State).
2. Study conducted by Ms.Anuradha
Rajivan (2002-03) of SHARE
Microfinance Ltd. on MICRO
CREDIT AND WOMEN¶S
EMPOWERMENT¶.
3. Study conducted by NABARD
(2001) on ³SHG-Bank Linkage
programme- future scenario´.
4. Study conducted by MYRADA
(Karnataka) an NGO (1998) on ³Linkage
Banking in South Asia-
Bangladesh/India/Nepal´.
5. Study conducted by Mr.Sunil R. (June,
2005) of IIT, Mumbai on ³Microfinance to
Rural Poor: A case study of SHG-Bank
linkage Programme in a backward district
in India´.
^ There are very few systematic
research studies available on SHG-
Bank-Linkage Programme in India.
Therefore, there exists sufficient gap
in research on this topic. Thus, there
is ample scope for research on SHG-
Bank-Linkage Programme, especially
in Rajasthan State.
 HYPOTHESES
The study attempts to test the
following hypotheses:-
^ Hypothesis 1 :The SHG bank linkage
programme has positive impact on
income generation of the rural poor.
^ Hypothesis 2 : There exists
significant variation in the incremental
income generation of households
across different regions.
^ Hypothesis 3 : There exists significant
difference in the quantum of incremental
income across different types of SHGs,
types of activity, mode of linkage and
SHG¶s age.
^ Hypothesis 4 : There exists significant
difference in income and recovery
performance in SHGs of Sikar and Jaipur
District Central Cooperative Banks.
 RESEARCH DESIGN
Sample plan will be as under :
^ The comparative study of two districts viz.,
 and  will be done by collecting
primary and secondary data.
^ 50 SHGs from Jaipur and 50 SHGs from
Sikar districts will be randomly selected
out of existing SHGs, to study the
effectiveness of SHG Bank Linkage
Programme.
^ 3 Members of these randomly selected 50
SHGs in both the districts will be randomly
identified and interviewed through a
questionnaire to know their views on
diverse aspects of the SHG-Bank Linkage
Programme.
^ The Secondary data will be collected from
the Reports of SLBC, RSCB Ltd., DCCBs
RBI and NABARD.
^ State-wise and District-wise analysis
will be done with special and
detailed analysis of Jaipur and Sikar
Districts.
^ Group-wise analysis will be studied
ranging from 1 to 5 years old SHGs
having linkages with the Banks in
these two districts.
  |   ||
^ Statistical tools like Averages,
Percentages, µZ-Test, independent
µt-test etc. will be used for
comparing ³Pre and Post´ SHGs
position and quantify the impact.
^ Collected data will be tabulated and
analysed on the basis of Region,
Type of SHGs, Mode of Linkage
and Age group of SHGs.
 CHAPTER SCHEME
The study report will be prepared
under different 6 Chapters as under:
  - Introduction - Credit
needs of poor - Sources of
credit, MFIs, Cooperatives,
SIDBI,and NABARD-Criteria
of SHGs Bank Linkage.
  - Research Methodology-
Objectives of Research-
Review of literature-
Hypothesis-
Sample design-
Tools of research-
Research gaps-
Areas for future
research
  - Scenario of SHGs
linkages in Rajasthan-
SHGs formation- Need
and objectives ±
Selection parameters-
support from NABARD-
Training to SHG
members- Rating of
SHGs and monitoring.
   A comparative study of
SHGs in Jaipur and
Sikar - Formation of
SHGs, Norms of selection-
functioning of SHGs- Internal
lending- problems-Nurturing,
Bank Linkage Programme-
Documents - Rating- Grading,
Role of NABARD Grouping of
SHGs- Age-wise Classification-
Performance comparison.
 
|   Analysis of SHGs-
linkages of JAIPUR and
SIKAR districts: District
profile; year wise
formation of SHGs during 2005-
2010, Operation of
DCCBs - financing
SHGs in both the districts.
^    Summary & Conclusion.
 BIBLIOGRAPHY
:
^ Bhargava, Harsh and Kumar Deepak, Rural Transformation-Infrastructure
and Micro-Finance (2005), ICFAI University Press.
^ Burra, Neera, Joy Deshmukh-Ranadive, Ranjani K. Murthy Micro-Credit,
Poverty and Empowerment, Linking the Triad (2008), Saga Publications
Pvt. Ltd., New Delhi.
:
^ Dasgupta Rajaram. 2005. Microfinance in India; Empirical Evidence,
Alternative Models and Policy Imperatives. Economic and Political
Weekly, Vol. XL (12), March 19, pp.1229.
^ Government of India (GOI), 2002. Tenth Five year Plan (2002-2007):
Dimensions and Strategies, Volume I. Planning Commission, New Delhi.
 !
^ DHAN Foundation 2005, ³Impacting Urban Poverty through Microfinance:
The SPMS Experience,´ DHAN Foundation , Madurai.
^ Mahajan, Viajy and Gupta Ramola, Bharti- 2003. Microfinance in India;
Banyan Tree and Bonsai, A review Paper of World Bank, New Delhi,
(Unpublished)
 " #""$
^ Divisional Level Workshop on SHG-Bank Linkage Programme,
Rajasthan Regional Office of NABARD, Jaipur.
^ National Seminar on Micro Finance, (20th September, 2006) New
Delhi organized by Confederation of Indian Industry (with SIDBI), at
New Delhi.
%
$
^ APMAS, 2005, ³A Study on SHG-Bank Linkage in Andhra Pradesh,
³Hyderabad.
^ Baland, J-M, R Somnathan and L Vandewalle, 2007, ³Microfinance
Lifespans: A study of Attrition and Exclusion in Self Help Groups in
India,´ Paper prepared for presentation at the Brookings-NCAER
India Policy Forum 2007, July 17-18 New Delhi.
&:
^ http://www.financialexpress.com, February 25, 2004
^ http://www.nabard.org/whats/mftf.htm