Pradeep K. Gupta, Sanjay S. Hanagandi


Background: Microfinance is a powerful instrument for poverty eradication in developing economies like India. Micro finance initiatives like the SHG-Bank linkage programme, MFI – Bank Linkage model etc., in India has been increasingly promoted for their positive impact on women empowerment.

Objectives of Study: The objectives of paper are:

1) To analyze and review the existing literature on the area of Microfinance and the Self Help Groups (SHG) in India.
2) To analyze the impact of SHG on women empowerment in Bijapur district of Karnataka.

Research Methodology: As a part of the secondary data collection various research papers, articles, reviews, conference proceedings and websites were referred. Also mini Delphi study was done. As a part of the primary data collection, a sample (random) of 100 women respondents were selected out of 20 SHG’s operating in the district of Bijapur. The data was collected during the period July 2011 to December 2011.

Research Setting: Bijapur is a district head quarter located in the state of Karnataka in southern India. The district comprises of 5 blocks (talukas) with population of around 18.07 lakh according to the census 2001. Farming and agriculture related business is the main occupation for many people of the district.

Findings: The analyzed findings prove that the intervention of micro finance through SHG-Bank Linkage Programme has positive impact on women empowerment in Bijapur district Karnataka.

Literary Value: The existing literature of SHG’s contribution towards women empowerment is miniature in the location in study. The outcomes of this study will form a foundation for further study in the area.


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