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Livelihood Diversification and Women Empowerment Through Self-Help Micro Credit Programme: Evidence from Jammu and Kashmir

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  • Falendra K. Sudan

Abstract

In the paper an attempt has been made to analyze the process of livelihood diversification and women empowerment through women self-help groups (WSHGs) and micro credit and its impact under Integrated Watershed Development Project (IWDP), Hills-II, Jammu and Kashmir; to find out difficulties in operationalizing micro income generating activities (MIGAs) through WSHGs and micro credit; and to suggest policy recommendations to make the programme of micro enterprise development through WSHGs and micro credit a success. The study reveals that through creation of WSHGs, 250 beneficiaries have been trained, out of which 50 percent have taken up MIGAs on sustainable basis and started earning up to Rs. 500 per month in Ramnagar Sub-watershed. The scheme of inter-loaning has also been introduced and members of WSHGs gets loan up to Rs. 5000. Through opening of saving accounts in nationalized banks, monthly savings of WSHGs have increased up to Rs. 1000. All these have resulted in increased income and improved livelihoods of the beneficiaries. New WSHGs should be formed through which new high potential MIGAs needs to be promoted. The system of revolving fund/mutual fund groups should also be promoted. The extent of beneficiaries’ willingness to contribute towards the cost of any MIGA is a ‘litmus test’ of their interest and commitment. Efforts should be made to evolve cost-sharing mechanism to ensure sustainability. The members of the WSHGs should be imparted training related to technical, financial, and marketing aspects, for which reputed local NGOs should be roped in. Exposure visits and training programmes should also be organized on regular interval to give WSHGs the opportunities to learn and express themselves in public and to improve their self-confidence.

Suggested Citation

  • Falendra K. Sudan, 2007. "Livelihood Diversification and Women Empowerment Through Self-Help Micro Credit Programme: Evidence from Jammu and Kashmir," Indus Journal of Management & Social Science (IJMSS), Department of Business Administration, vol. 1(2), pages 90-106, December.
    • Handle: RePEc:iih:journl:v:1:y:2007:i:1:p:90-106
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    Cited by:

    1. Gobind M. Herani, 2010. "Microfinance And Self-Help Finance System To Reduce Poverty From Pakistan: An It-Based Solution," Indus Journal of Management & Social Science (IJMSS), Department of Business Administration, vol. 4(1), pages 57-63, December.
    2. Jos Vaessen & Ana Rivas & Maren Duvendack & Richard Palmer Jones & Frans Leeuw & Ger van Gils & Ruslan Lukach & Nathalie Holvoet & Johan Bastiaensen & Jorge Garcia Hombrados & Hugh Waddington, 2014. "The Effects of Microcredit on Women's Control over Household Spending in Developing Countries: A Systematic Review and Meta‐analysis," Campbell Systematic Reviews, John Wiley & Sons, vol. 10(1), pages 1-205.
    3. Sridevi Samineni & Kandela Ramesh, 2023. "Measuring the Impact of Microfinance on Economic Enhancement of Women: Analysis with Special Reference to India," Global Business Review, International Management Institute, vol. 24(5), pages 1076-1091, October.
    4. Gobind M. Herani & Pervez Wasim & Allah Wasayo Rajar & Riaz Ahmed Shaikh, 2008. "The Nature of Poverty and Its Prospects: Pakistan Evidence," Journal of Global Economy, Research Centre for Social Sciences,Mumbai, India, vol. 4(3), pages 184-195, September.
    5. repec:ksb:journl:v:2:y:2009:i:1:89-94 is not listed on IDEAS
    6. Herani, Gobind M., 2007. "Computerized National Identify Card, NADRA KIOSKs and its prospects," MPRA Paper 6328, University Library of Munich, Germany.
    7. Gobind M. Heran, 2009. "Establishment of Micro-Finance Bank, Utilizing NADRA’s Computerized Facilities: Suggestions for BISP, Asian Bank, World Bank and Donors Agencies to Disburse Funds," KASBIT Business Journals (KBJ), Khadim Ali Shah Bukhari Institute of Technology (KASBIT), vol. 2, pages 89-94, December.
    8. Herani, Gobind M., 2009. "Establishment of Micro-Finance Bank, Utilizing NADRA’s Computerized Facilities: Suggestions for BISP, Asian Bank, World Bank and Donors Agencies to Disburse Funds," MPRA Paper 19576, University Library of Munich, Germany.

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    More about this item

    Keywords

    Livelihood Diversification; Women Empowerment; Self-Help Groups; Micro Credit;
    All these keywords.

    JEL classification:

    • D13 - Microeconomics - - Household Behavior - - - Household Production and Intrahouse Allocation
    • D31 - Microeconomics - - Distribution - - - Personal Income and Wealth Distribution
    • O15 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Economic Development: Human Resources; Human Development; Income Distribution; Migration

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