Understanding Sustainability Concerns of SHGs in the Himalayan Region of India: A Participatory Analysis
DOI:
https://doi.org/10.25175/jrd/2024/v43/i4/173009Keywords:
Self-Help Group (SHG), Microfinance, Information Need, Group Sustainability.Abstract
The self-help groups (SHG) approach in India has become a major global microfinance programme with more than 12 million SHGs, as reported by Economic Survey 2022-23. During the ten years from FY13 to FY22, the number of SHGs credit linked has grown at a CAGR of 10.8 per cent (Ministry of Finance, 2023). However, the success of microfinance programmes relies not only on the number of groups formed but also on the sustainability of these groups. Therefore, a study was conducted in the Dehradun district of Uttarakhand to address the challenges and problems among SHGs. The participatory research methods were employed involving 80 SHGs from four blocks in Dehradun, namely Vikasnagar, Sahaspur, Kalsi, and Chakrata. The findings revealed numerous challenges encountered by women both within and outside the SHGs, including conflicts and limited opportunities arising from the increasing number of SHGs. By providing tailored support, promoting participatory management, and prioritising long-term goals, SHGs can thrive, leading to improved rural development and empowerment. Transparency, administrative reforms, and poverty alleviation efforts are crucial to fostering successful SHG programmes. This research contributes to the existing knowledge base and offers valuable insights for practitioners, policymakers, donor agencies, and academicians invested in promoting sustainable SHGs and inclusive development in India.
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