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Impact of Group-Based Microfinance on Rural Households in India

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  • S Chandrakumarmangalam
  • S C Vetrivel

Abstract

The present study is empirical in nature and was carried out to assess the impact of group-based microfinance on income, assets position, savings, employment, literacy and migration of the household. A quasi-experimental design was made where the target and control groups were randomly sampled from the population. The target group was compared with the control group across various variables and the mean difference was found. The results were validated by statistical test for significance and econometric models. The test of significance between the mean for target and control groups was tested through a paired t-test. Models like Ordinary Least Squares (OLS), logistic regression and probit regression were employed to measure the impact of group-based microfinance intervention. Household was taken as the unit of analysis. The study concluded that the group-based microfinance impacted the client household positively in the increase of income, assets position, savings and literacy, and in the reduction of migration.

Suggested Citation

  • S Chandrakumarmangalam & S C Vetrivel, 2012. "Impact of Group-Based Microfinance on Rural Households in India," The IUP Journal of Management Research, IUP Publications, vol. 0(2), pages 77-89, April.
    • Handle: RePEc:icf:icfjmr:v:xi:y:2012:i:2:p:77-89
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    Cited by:

    1. Lahrour Khalid, 2023. "Public Policies for Financial Inclusion in Latin America and Asia: What Lessons for Developing Countries? [Politiques publiques en matière d'inclusion financière en Amérique latine et en Asie : que," Post-Print hal-04014943, HAL.
    2. Rozzani, Nabilah & Mohamed, Intan Salwani & Syed Yusuf, Sharifah Norzehan, 2017. "Risk management process: Profiling of islamic microfinance providers," Research in International Business and Finance, Elsevier, vol. 41(C), pages 20-27.

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