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SELF-HELP GROUPS FOR POVERTY ALLEVIATION:

A CASE STUDY OF TITABOR SUB-DIVISION OF JORHAT

DISTRICT OF ASSAM.

Sumitra Biti !a"ari #

Du$a%a&'u Sa(()

A%*tra"t:

Poverty is almost a social misery, contaminated in an every socio-economic zone,

spreaded itself among all over the deprived section of the population gradually. The

concerned paper basically assessing the role of Self-help group approach in

eradication of poverty, its successiveness in generating income and the impact of

micro credit on the empowerment of the women members of the self-help groups. The

study is primarily based on the field survey, conducted in the three development

blocks of the Titabor sub-division of the Jorhat district of ssam. This study takes into

account the official members of the self-help groups for better understanding the

process through which they build up their income generating sources. To figure out

the impact self-help groups in these directions a simple chi-s!uare tests as well as the

t-test have been used to rectify the changes that have been took place due to in"ection

of group approach in the field of rural development. The results show that self-help

groups promote awareness among the women members and provide sufficient

opportunities to combat with poverty. #urther the self-help groups have come out as a

significant factor in generation of income and occupations of the members which also

re!uires conditions like better disbursement of the micro credit to the members and

these things should be taken care of for getting more active success in this area.

Key Word: Self-help groups, poverty alleviation, income generation.

##M.Pi+. R,*,ar" S"(+ar D,t. (/ E"(&(mi"* A**am U&i0,r*it1 Si+"ar-2334##

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mailto:[email protected]:[email protected]


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10/17

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11/17

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It i* (%*,r0,' /r(m t, Ta%+, 9 tat ) ) )9;.;9 /(r 93 './. (/

r,(&',ra&", (/ m,m%,r* i& t, tra'iti(&a+ a6ri"u+tura+ *,"t(r i* *(8& a* *i6&i/i"a&t

at # ,r",&t +,0,+ (/ *i6&i/i"a&", 8i" i&'i"at,* tat a *i6&i/i"a&t (rti(& (/ 8(m,&

m,m%,r* ar, ,&6a6,' 8it a6ri"u+tura+ *,"t(r %,/(r, t, /(rmu+ati(& (/ SHG*.

A&(t,r /a"t(r tat a* %,,& (%*,r0,' /r(m t, a&a+1*i* tat t, )) .;9 /(r )#

'./. (/ (""urr,&", (/ m,m%,r* 8( a0, &(t ,&6a6,' i& a&1 a"ti0it1 i* *(8& a*

*i6&i/i"a&t at 9 ,r",&t +,0,+ (/ *i6&i/i"a&",. Tu* 8, "a& "(&"+u', tat a ma?(r

(rti(& (/ t, SHG m,m%,r* 8,r, ,it,r 'ir,"t+1 ,&6a6,' 8it a6ri"u+tur, *,"t(r (r

&(t ,&6a6,' 8it a&1 (""uati(& %,/(r, /(rmu+ati(& (/ SHG. B,*i',* t,*, (&+1 a

+,** &(. (/ 8(m,& m,m%,r* 8,r, ,&6a6,' 8it a"ti0iti,* +i$, %u*i&,** (t,r a++i,'

a"ti0iti,* a&' mu+ti+, (""uati(&* ,t".


12/17

But a/t,r /(rmu+ati(& (/ SHG t, (""uati(&a+ *tru"tur, (/ t,

m,m%,r* i& t, *u%-'i0i*i(& a* %,,& "a&6,'. Ta%+, ; *(8* t, r,*,&t

(""uati(&a+ *tru"tur, (/ SHG m,m%,r* a/t,r t, /(rmu+ati(& (/ SHG.

Ta%+, ;:- Di*tri%uti(& (/ r,*,&t (""uati(& am(&6 t, m,m%,r* (/ t, *am+,

SHG* a/t,r /(rmu+ati&6 SHG.

ccupation um)er of S+(s *ercentage 2alueA6ri"u+tur, ; 9 9.29

Dair1 2 9.3 3.49

Tai+(ri&6 4 4 4

F+(8,r V,&'i&6 4 4 4

C+(t Bu*i&,** 3 ;.;2 #4.2

A&ima+ Hu*%a&'r1 )2.9 )4).

(t,r* . ).A6ri"u+tur,K Dair1 . ).

A6ri"u+tur,KC+(t Bu*i&,** # 4.3 4

A6ri"u+tur,KA&ima+

Hu*%a&'r1 9 .#2 .3

Dair1KC+(t Bu*i&,** ) #.;2 4.3

Dair1K A&ima+ Hu*%a&'r1 ; 9 9.29

Dair1K Ot,r* # 4.3 4

Tai+(ri&6KC+(t Bu*i&,** # 4.3 4

C+(t Bu*i&,**KA&ima+

Hu*%a&'r1 )2 )).9 #.99

C+(t Bu*i&,**KOt,r* ) #.;2 4.3A&ima+ Hu*%a&'r1KOt,r* . ).

A6ri"u+tur,KDair1KOt,r* ) #.;2 4.3

A6ri"u+tur,KC+(t

Bu*i&,**KA&ima+ Hu*%a&'r1 # 4.3 4

Dair1KC+(t

Bu*i&,**KA&ima+ Hu*%a&'r1 ) #.;2 4.3

Tai+(ri&6KC+(t

Bu*i&,**KA&ima+ Hu*%a&'r1 # 4.3 4

C+(t Bu*i&,**KA&ima+

Hu*%a&'r1KOt,r* ) #.;2 4.3

A6ri"u+tur,KDair1KC+(tBu*i&,**K A&ima+ Hu*%a&'r1 # 4.3 4

T(ta+ #)4 #44.44

S(ur",: Fi,+' *ur0,1 )443

N(t,: a&' im+i,* *i6&i/i"a&t at # ,r",&t 9 ,r",&t a&' #4 ,r",&t +,0,+ (/ *i6&i/i"a&",

r,*,"ti0,+1.

It i* (%*,r0,' /r(m t, Ta%+, ; tat a/t,r ?(i&i&6 SHG t, m,m%,r* ar,

m(ti0at,' t( ,&6a6, 8it 0ari(u* (""uati(&*. It a* %,,& *,,& tat t, m,m%,r* (/


13/17

t, *am+, SHG* u&',rta$,* 0ari(u* mu+ti+, (""uati(&* a* t,ir mai& *(ur", (/

*,+/-,m+(1m,&t a/t,r t, /(rmu+ati(& (/ SHG.

T, "a+"u+at,' ) ) )4). /(r ) './. a&' ) #.99 /(r ); './.

0a+u,* /(r t, arti"iati(& (/ 8(m,& m,m%,r* i& t, a"ti0iti,* +i$, a&ima+ u*%a&'r1

a&' "+(t %u*i&,** a&' a&ima+ u*%a&'r1 mu+ti+, (""uati(& ar, *(8& a* 6r,at,r

ta& "riti"a+ 0a+u, (/ )at # ,r",&t +,0,+ (/ *i6&i/i"a&",. Tu* 8, "a& 'ra8 a

"(&"+u*i(& tat m(*t (/ 8(m,& m,m%,r* "((*, a&ima+ u*%a&'r1 a&' "+(t %u*i&,**

a&' t, a&ima+ u*%a&'r1 a* t,ir mai& $,1 a"ti0it1. I& "a*, (/ (t,r ar,a* (/ a"ti0iti,*

t, "a+"u+at,' )0a+u, i* *(8& a* i&*i6&i/i"a&t %ut a* a 8(+, t, a&a+1*i* r,0,a+*

tat arti"iati(& (/ m,m%,r* i& 0ari(u* mu+ti+, (""uati(& ar, 'i*tri%ut,' a""(r'i&6

t( t,ir mu+ti+, "(i",*.

T,r,/(r, it i* *,,& tat a *i6&i/i"a&t 'i//,r,&", a* %,,& (%*,r0,' i&

"a*, 'i*tri%uti(& (/ a*t a&' r,*,&t (""uati(&a+ *tru"tur, (/ t, m,m%,r* %,/(r, a&'

a/t,r /(rmu+ati(& (/ SHG.

'./ Status availa)ility of micro credit to the mem)ers of the S+(

T, a0ai+a%i+it1 (/ mi"r( "r,'it i* a r(+(&6,' =u,*ti(& arti"u+ar+1 /(r

t, 8(m,& *,"ti(& 8i" "(mri*i&6 t, +ar6,*t *,"ti(& (/ ',ri0,' (u+ati(& a&'

,&", t, +a"$ (/ "aita+ %,"(m,* a *,ri(u* "(&*trai&t t( t, ',0,+(m,&t (/ 8(m,&

i& rura+ ar,a*. T, ta%+, %,+(8 *(8* t, ,r",ti(& (/ a',=ua"1 (/ /i&a&"ia+ *u(rt

/r(m %a&$ a&' (t,r i&*tituti(&* tat ar, r(0i',' t( SHG m,m%,r*.

Ta%+, 2:- P,r",ti(& (/ a',=ua"1 (/ /i&a&"ia+ *u(rt (/ %a&$ a&' (t,r

/i&a&"ia+ i&*tituti(&* t( SHG* m,m%,r* i& &um%,r a&' ,r",&ta6,

0inancial Support um)er of

S+(

*ercentage 2value

Y,* #4 3. #.9

N( ##4 #.;2 #.3

T(ta+ #)4 #44

S(ur",: Fi,+' *ur0,1 )443

N(t,: im+i,* *i6&i/i"a&t at # ,r",&t +,0,+ (/ *i6&i/i"a&",.


14/17

Ta%+, 2 r,0,a+* tat (ut (/ t, t(ta+ #)4 *am+, SHG* i& #.;2 ,r",&t

(/ SHG* m,m%,r* a0, /,+t tat t,r, i* i&a',=uat, *u(rt /r(m t, %a&$* a&' (t,r

/i&a&"ia+ i&*tituti(&* r,6ar'i&6 t, im(*iti(& (/ mi"r( "r,'it t(8ar'* t,ir

u+i/tm,&t. Or i& (t,r 8(r'* m(*t (/ t, m,m%,r* 'i' /,,+ tat t,1 a0, &(t 6,tti&6

,&(u6 mi"r( "r,'it *u(rt /r(m %a&$ a&' (t,r /i&a&"ia+ i&*tituti(&* i& r,*,"t (/

',0,+(m,&t (/ t,ir "aa"it1 %ui+'i&6 a&' i&"(m, 6,&,rati&6 r(",**,*.

It i* a+*( (%*,r0,' /r(m t, Ta%+, 2 tat "a+"u+at,' )) #.3 /(r

#4 './. (/ u&a0ai+a%i+it1 (r i&a',=ua"1 (/ mi"r( "r,'it t( t, m,m%,r* (/ t, SHG i*

6r,at,r ta& t, "riti"a+ 0a+u, (/ )at # ,r",&t +,0,+ (/ *i6&i/i"a&",. Tu* 8, "a&

i&/,r tat a ma?(r (rti(& (/ t, SHG m,m%,r* "(u+' &(t a%+, t( 6,t a %,tt,r a"",** t(

"r,'it /a"i+iti,*.

T,r,/(r, it i* *,,& tat t, SHG* a0, r(0i',' a 6((' ,&0ir(&m,&t

/(r t, u+i/tm,&t (/ t, rura+ ((r 8(m,& i& t, *tu'1 ar,a. A+t(u6 it i* *,,& tat

(0,rt1 *ti++ ,r*i*t* am(&6 t, rura+ ((r 8(m,& *i&", *(m, (/ t,ir a0,ra6, a&&ua+

,r "aita i&"(m, i* &(t a%+, t( "r(** "(m+,t,+1 t, %,+(8 (0,rt1 +i&, mar$. But (&

t, (t,r a&' t, SHG r(0i', i&"(m, 6,&,rati&6 a"ti0iti,* t( t, m,m%,r* a/t,r it*

/(rmu+ati(& %1 ,+i&6 t,m 8it t, mi"r( "r,'it /a"i+iti,* a+t(u6 t, m,r, /a"t i*

tat a0ai+a%i+it1 (/ mi"r( "r,'it t( ,a" (/ t, m,m%,r* (r t, r((rti(&at,

'i*tri%uti(& (/ "r,'it am(&6 a++ m,m%,r* (/ t, SHG i* *ti++ u&',r (&6(i&6 r(",**

a&' *( m(*t (/ t,ir m,m%,r* a0, /,+t tat t, 6(0,r&m,&t ai' i.,. r,0(+0i&6 /u&'

t, (t,r %a&$ +(a&* a&' t, *u%*i'1 tat ar, r(0i',' t( t, SHG* ar, &(t ,&(u6 t(

ma$, t,ir m,m%,r t(ta++1 *,+/-,m+(1,' i& t, /i,+' (/ rura+ ',0,+(m,&t.

/. onclusion

T, /i&'i&6* /r(m t, a&a+1*i* r(0i', ,0i',&", *u(rt t( 8it'ra8 a

"(&"+u*i(& i& r,*,"t (/ t, 1(t,*,* tat a0, ta$,& u /(r "arr1i&6 (ut t, *tu'1.

T, ,&tir, (%*,r0ati(& *(8* tat SHG* ar, /u&"ti(&i&6 8,++ i& (r6a&i>i&6 t, ((r

8(m,& *,"ti(& i&t( a *,+/-*,r0i",' ,"(&(mi" /(rum. T, /(rmati(& (/ SHG "a& "r,at,

((rtu&iti,* /(r t, ((r ,(+, t( arti"iat, i&t( t, 0ari(u* i&"(m, ,ar&i&6

a"ti0iti,* /(r t, 8(m,& m,m%,r* i& t, r,6i(&. P(0,rt1 i* 6,&,ra++1 r,"(6&i>,' a* a

"(&*,=u,&", (/ u&,m+(1m,&t a&' +a"$ (/ a0ai+a%i+it1 (/ i&"(m, ,ar&i&6 *(ur",*.

A&' SHG r(0i',* a m(ti0ati(& /(r t, %ui+'i&6 u "aa%i+iti,* (& t, art (/ t,ir


15/17

m,m%,r* i& t, *am+, ar,a tr(u6 r(0i'i&6 0ari(u* i&"(m, ,ar&i&6 *(ur",* a&'

*i/ti&6 t,ir (""uati(&a+ *tru"tur,. I& t, )a&' t-t,*t a&a+1*i* (& t, a**,**m,&t (/

SHG (& (0,rt1 r,'u"ti(& a+*( *(8* tat /(rmu+ati(& (/ SHG a&' ,&r(+m,&t (/ t,

m,m%,r* a/t,r t, /(rmu+ati(& (/ SHG* a0, "(m, (ut a* t, *i6&i/i"a&t /a"t(r (/r,'u"i&6 i&"i',&", (/ (0,rt1 i& t, Tita%(r *u%-'i0i*i(&. I& (t,r 8(r'* it "a& %,

"(&"+u',' tat arti"iati(& (/ m,m%,r* i& ti* mi"r( "r,'it r(6ramm, r(0i',* a

*i6&i/i"a&t ima"t t(8ar'* t, u+i/tm,&t (/ t, m,m%,r* /r(m t, 6ri,/ (/ (0,rt1 i&

t, *tu'1 r,6i(&.

Furt,r t, a&a+1*i* (& a',=ua"1 (/ mi"r( "r,'it /a"i+iti,* /r(m t,

%a&$ a&' (t,r /i&a&"ia+ i&*tituti(&* *(8* tat a *i6&i/i"a&t (rti(& (/ t, SHG

m,m%,r* 'i' &(t a0, a"",** t( %,tt,r mi"r( "r,'it /a"i+iti,* i& t, Tita%(r *u%-

'i0i*i(&. Ti* i"tur, "+,ar+1 r,0,a+* tat a0ai+a%i+it1 (/ "r,'it t( t, m,m%,r* i& t,

r,6i(& *ti++ +a6* /ar %,i&' ta& t, ',*ir,' +,0,+ (/ t, m,m%,r* *i&", t, (,rati(&

u&',r mi"r( /i&a&", a&' mi"r( ,&t,rri*,* ,&a&",* t, ,"(&(mi" *tatu* (/ t, ((r

8(m,& i& t, *("i,t1 8i" ,+* ,ra'i"ati(& (/ (0,rt1 at t, r((t it*,+/.

$eferences:-

Ba&,r?,, Ama+,*. )44 D1&ami"* (/ Rura+ D,0,+(m,&t: A &(t, Dim,&*i(&

(/ Rura+ D,0,+(m,&t i& N(rt Ea*t I&'ia ,'. B. Ra1 a&' Guru'a* Da*

A$a&*a Pu%+i*i&6 H(u*, N,8 D,+i.

Ba61a+a$*mi J. )44 Em(8,rm,&t (/ (m,& a&' Mar6i&a+i*,' Gr(u* i&

Pa&"a1at* Rura+ D,0,+(m,&t tr(u6 (m,&* Parti"iati(& a&'

E+,"tr(&i" M,'ia ,'. Dr. Sa8a+ia Biari V,rma a&' Dr. Si0 !r. Si&6

P(i&t,r Pu%+i"ati(& Jaiur

Da*Guta !. )44# A& I&/(rma+ J(ur&,1 tr(u6 S,+/-H,+ 6r(u*,$ %ndian

Journal of gricultural &conomics 94 Ju+1-S,t. .24-3;

Ga'a&a1a$B.B.)443 P(0,rt1 a++,0iati(& at t, 6ra** r((t +,0,+ S,+/-,+ 6r(u*

a* a& i&*trum,&t D,0I&'ia.(r6

Guta Dr. M. Sa&$ar. )449 P(0,rt1 Era'i"ati(& tr(u6 Mi"r(-Fi&a&",SHG

P(0,rt1 a&' Su*tai&a%+, D,0,+(m,&t: Tir' (r+' P,r*,"ti0,* ,'.

Ra0i*a&$ar !umar Si&6 0(+.) A%i?,,t Pu%+i"ati(& D,+i


16/17

Har,r M. )44) Pra"ti"a+ Mi"r( Fi&a&",: A trai&i&6 6ui', /(r S(ut A*ia

Vi*taar Pu%+i"ati(& N,8 D,+i

!arma$ar !.G. # Rura+ Cr,'it a&' S,+/-H,+ Gr(u Mi"r( /i&a&", N,,'* a&'

C(&",t i& I&'ia Sa6, u%+i"ati(& N,8 D,+i

Ma&'a+ A. )449 S8ar&a?a1a&ti Gram S8ar(>6ar Y(?a&a a&' S,+/-,+ 6r(u:

A& A**,**m,&t !uru$*,tra Journal of 'inistry of (ural )evelopment

Ja&uar1

Mati$i R.E. )443 A N,8 Rura+ D,0,+(m,&t Strat,61 /(r Rai' a&' Su*tai&a%+,

',0,+(m,&t "(u&tri,*Journal of (ural )evelopment, *uarterly of +%()

V(+.)2 N(. Ju+1-S,t. -;;2

M,ta S.R. #2 P(0,rt1 P(u+ati(& a&' Su*tai&a%+, D,0,+(m,&t: I**u,* a&'

P,r*,"ti0,* i& S.R. M,ta ,'. P(0,rt1 P(u+ati(& a&' Su*tai&a%+,

D,0,+(m,&t Ra8at Pu%+i"ati(& Jaiur a&' N,8 D,+i

M(aatra S. a&' B.!. Sa(( )44 Mi"r(/i&a&", a&' t, Rura+ P((r: A ,miri"a+

I&0,*ti6ati(& /r(m I&'ia A a,r *u%mitt,' t( TIES Gu8aati U&i0,r*it1

A**am

Mu$ar?,, D. )442 R,+,0a&", (/ Mi"r( Cr,'it Ba&6+a',* E


17/17

S1+,&'raH.S. )44 T, SHG-Ba&$ Li&$a6, Pr(6ramm, A& a**,**m,&t a&'

Futur, *trat,6i,*Journal of (ural )evelopment, a !uarterly of +%() V(+.

) N(. O"t-D,"

Triat1 !.!. )44 P(0,rt1 a++,0iati(&: Ma$i&6 mi"r(-/i&a&", *u*tai&a%+, A

/i&a&"ia+ 'ai+1 /r(m T, Hi&'u* Gr(u (/ u%+i"ati(&* N(0. 4#

V,rma S.B. a&' !.!.C. Patr( )44 T,(r,ti"a+ C(&",t* (/ Rura+ D,0,+(m,&t

Rura+ D,0,+(m,&t tr(u6 (m,&* Parti"iati(& a&' E+,"tr(&i" M,'ia

,'. Dr. S.B. V,rma a&' Dr. Si0 !r. Si&6 P(i&t,r Pu%+i*,r Jaiur.

Virma&i A. )44 A"",+,rati&6 Gr(8t a&' P(0,rt1 R,'u"ti(& A (+i"1

/ram,8(r$ /(r I&'ia& D,0,+(m,&t A"a',mi" F(u&'ati(& N,8 D,+i

Ot,r r,*,"ti0, S(ur",*:

tt:KK888.&a%ar'.(r6.i&

tt:KK888.rura+.&i".i&

tt:KK888.%+a&&i&6.6(0.i&
http://www.nabard.org.in/http://www.rural.nic.in/http://www.pbplanning.gov.in/http://www.nabard.org.in/http://www.rural.nic.in/http://www.pbplanning.gov.in/

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