AN ANALYSES OF SHG PERFORMANCE THROUGH MICRO FINANCE IN INDIA

Micro Finance is one of the important instruments to economic empowerment of women in India. The main objectives of this study are, to analyze the economic empowerment of women through Micro Finance and evaluates the performance of Micro Finance in India. This study purely based on secondary date and this paper has used simple mathematical and econometrics models like Mean, Co-efficient of variation, Annual Growth Rate, One way Anova model to interpret. The period of the study is from 2000-2001 to 2010-2011. NABARD has been providing loan facilities to SHGs through SHG-Bank Linkage programs with the help of RBI through three banks like, Commercial Banks, Regional Rural Banks and Cooperative Banks. This paper has concluded that, Commercial Banks have dominant role in providing loan facility to SHGs as well as Region-wise through SHG-Bank Linkage Programs in India. But unfortunately, majority of SHG members are using loans to unproductive purpose this leads to indebtedness. So, the members should use loans to productive purpose, in order to empower the economic condition.