Mrs.N.Saraswathi,M.Com.,M.Phil.,B.Ed.

Lecturer in Commerce,

Shrimati Indira Gandhi College,

Trichirapalli – 620 002.

CERTIFICATE

This is to certify that the project work done under my guidance

and the dissertation entitled “A STUDY ON WOMEN
EMPOWERMENT THROUGH SELF HELP GROUPS IN
KONDAYAMPALAYAM VILLAGE IN COIMBATORE
DISTRICT” submitted by A.YUVARANI(Reg. No.P08110688) in
partial fulfillment of the requirement for the award of MASTER OF
COMMERCE for the academic year 2009-2010. This dissertation is the
original work of the candidate.

Signature of the Candidate Signature of the Guide

Signature of the Head of the Department

 ACKNOWLEDGEMENT

I am sincerely grateful to the ALMIGHTY for the enlighten and

blessings showed on me, for the successful completion for my project work.

I deem it my pleasure to express my sincere gratitude and

thanks to the BHARATHIDASAN UNIVERSITY for giving an
opportunity in carrying out the project work.

I convey my sincere thanks to our Principal Dr.

(Mrs.).K.MEENA,M.Sc.,M.Phil.,M.I.E.,M.E.,Ph.D.,(C.S. & Engg.),
Shrimati Indira Gandhi college, Trichy, who provided me with all
facilities to enable me to do my project work with interest and care.

Further I wish to express my high esteem and deep sense of

gratitude to Mrs.A.HEMALATHA,M.Com.,M.Phil.,D.A.P., HEAD OF
THE DEPARTMENT OF COMMERCE for her support in the successful
execution of the project work.

With whole heart, I sincerely thank my respected guide

Mrs.N.SARASWATHI,M.Com.,M.Phil.,B.Ed., who has helped and
guided me and has been in every sphere of the process of doing the project
with me.
My special thanks are to my family members and my friends
for their ideas in shaping this project.
A Study on Women Empowerment through Self Help

groups in Kondayampalayam village

in Coimbatore District

I . Details about the Self Help Groups

1. Name of the SHG :

2. Total members :

3. Date of Establishment :

4. Name of the bank :

5. Initial contribution made

by members :

6. Members monthly savings :

7. Does the group have any

conduct with NGO :

8. Are all the members Insured :

9. Rate of interest for loans :

10. Any specific business is Undergone

by the group Members altogether :

 QUESTIONNAIRE

1. Name of the member :

2. Father’s / Husband’s name :

3. Age :

4. Name of the SHG :

5. Village :

6. District/Taluk :

7. Community :

8. Annual income of the

Family :

9. Educational qualification :

a. Illiterate b. Elementary education

c. High school education d. Higher secondary education

e. Graduation

10. How do you join in SHG ?

a. Voluntarily b. NGO

c. Relatives d. Other women

11. Basic reason for becoming a member of SHG?

a. Poverty b. To empower

c. Commence new business d. To improve the business

12. Are you married ?

a. Yes b. No

c. Widow d. Others

13. Type of Occupation : -------------------------

14. Did you borrow money ?

a. Yes b. No

15. Before becoming SHG member where you have borrowed

money?

a. Chit fund b. Bank

c. Friends & relatives d. Private lenders

16. Have you repaid your loan regularly ?

Yes / No

If no, list the reason :

a. Low income b. High interest rate

c. Family problems d. Others

17. For what purpose do you loan from SHG?

a. Production b. Consumption

c. Social cultural d. Emergency or others

18. Did you pay the loan at regular intervals ?

Yes/No

If yes means, due to :

a. Improved income b. Low interest rate

c. Others.

19. Whether the family members allow you to join in SHG ?

Yes/No

20. Do you have any savings after joining in SHG?

Yes/No

If yes, where your savings are invested?

a. Post office b. Bank c. LIC

d. Chit fund e. Others

21. Do you have involved in any other activities for the

development of the village ?

a. Physical work b. Financial work

c. With SHG d. Others e. NIL

22. Have you participated in any program conducted by the village

organization ?

a. Social awareness b. Cultural program

c. Political events d. Others e. NIL

23. The time gap with in the meeting being conducted :

a. Once in a week b. Once in 15 days

c. Once in a month

24. Are you doing any business before joining SHG?

Yes/No

If yes, what difficulty did you faced in your business?

a. Financial problem b. Marketing

c. Training d. Others
25. Did the problems overcome?

Yes/No

If yes means how?

a. By loan from the SHG b. By training given

d. By marketing assistance provided e. Others.

26. What are the benefits derived by SHG members?

a. Habit of saving b. Economic

independence c. Self confidence d.

Additional Employment e. Others

27. Whether your family status has improved?

Yes/No

28. After becoming the member of SHG the socio – economic

status of women changed?

Yes/ No

If yes, do you satisfy about your economic needs after joining

in SHG?

a. Satisfied b. Fairly satisfied

c. Not satisfied
29. What is your suggestions to improve the SHG?

(1) --------------------------------------------------------

(2) --------------------------------------------------------

INDEX
CHAPTER CONTENTS PAGE NO.
I INTRODUCTION 1
II REVIEW OF LITERATURE 8
III PROFILE OF THE AREA AND 41
DETAILS ABOUT THE SHGs
IV DATA ANALYSIS AND 52
INTERPRETATION
V FINDINGS, SUGGESTIONS 111
AND CONCLUSION
BIBLIOGRAPHY

QUESTIONNAIRE

LIST OF TABLES

TABLE TITLES PAGE

NO. NO.
4.1 AGE-WISE CLASSIFICATION 53

4.2 EDUCATIONAL DISTRIBUTION OF 55

RESPONDENTS
 4.3 MARITAL STATUS OF THE 57
RESPONDENTS

4.4 ANNUAL INCOME DISTRIBUTION 59

OF THE RESPONDENTS

4.5 KNOWLEDGE TO JOIN IN SHGs 61

4.6 REASONS FOR JOINING IN SHGs 63

4.7 FAMILY MEMBER’S RESPONSE 65

4.8 OCCUPATIONAL STATUS OF THE 67

RESPONDENTS

4.9 PROCEDURE OF THE BANKS IN 69

SANCTIONING LOAN

4.10 BORROWING STATUS OF THE 71

RESPONDENTS

4.10.1 PLACES FROM WHERE 73

RESPONDENTS BORROW MONEY

4.11 LOAN REPAYMENT MODE OF 75

RESPONDENTS

4.11.1 REASONS FOR NOT PAYING 77

LOANS REGULARLY

4.12 PURPOSE-WISE CREDIT 79

DEMANDED BY SHG MEMBERS

4.13 LOAN REPAYMENT MODE AFTER 81

JOINING IN SHGs

4.13.1 REASONS FOR PAYING LOANS 83

REGULARLY

4.14 SAVING HABIT OF THE 85

RESPONDENTS
4.14.1 PLACES WHERE SAVING S ARE 87
INVESTED

4.15 ACTIVITIES INVOLVED FOR 89

DEVELOPMENT OF VILLAGE

4.16 PARTICIPATION IN THE VILLAGE 91

PROGRAMMES

4.17 RESPONDENT’S MEETING 93

WITHIN THE GROUP

4.18 RESPONDENTS DOING BUSINESS 95

4.18.1 PROBLEMS FACED IN DOING 97

BUSINESS

4.19 PROBLEMS OVERCOME IN 99

BUSINESS

4.19.1 FACTORS TO OVERCOME 101

BUSINESS

4.20 BENEFITS DERIVED BY SHG 103

MEMBERS

4.21 FAMILY STATUS AFTER JOINING 105

IN SHG

4.22 ECONOMIC STATUS OF THE 107

RESPONDENTS

4.22.1 RESPONDENT’S SATISFACTION 109

TOWARDS THEIR ECONOMIC
NEEDS
 LIST OF CHARTS

CHART TITLES PAGE

NO. NO.
1 AGE-WISE CLASSIFICATION 54

2 EDUCATIONAL DISTRIBUTION OF 56
RESPONDENTS
 3 MARITAL STATUS OF THE 58
RESPONDENTS

4 ANNUAL INCOME DISTRIBUTION 60

OF THE RESPONDENTS

5 KNOWLEDGE TO JOIN IN SHGs 62

6 REASONS FOR JOINING IN SHGs 64

7 FAMILY MEMBER’S RESPONSE 66

8 OCCUPATIONAL STATUS OF THE 68

RESPONDENTS

9 PROCEDURE OF THE BANKS IN 70

SANCTIONING LOAN

10 BORROWING STATUS OF THE 72

RESPONDENTS

10.1 PLACES FROM WHERE 74

RESPONDENTS BORROW MONEY

11 LOAN REPAYMENT MODE OF 76

RESPONDENTS

11.1 REASONS FOR NOT PAYING 78

LOANS REGULARLY

12 PURPOSE-WISE CREDIT 80
DEMANDED BY SHG MEMBERS

13 LOAN REPAYMENT MODE AFTER 82

JOINING IN SHGs

13.1 REASONS FOR PAYING LOANS 84

REGULARLY

14 SAVING HABIT OF THE 86

RESPONDENTS
14.1 PLACES WHERE SAVING S ARE 88
INVESTED

15 ACTIVITIES INVOLVED FOR 90

DEVELOPMENT OF VILLAGE

16 PARTICIPATION IN THE VILLAGE 92

PROGRAMMES

17 RESPONDENT’S MEETING 94
WITHIN THE GROUP

18 RESPONDENTS DOING BUSINESS 96

18.1 PROBLEMS FACED IN DOING 98

BUSINESS

19 PROBLEMS OVERCOME IN 100

BUSINESS

19.1 FACTORS TO OVERCOME 102

BUSINESS

20 BENEFITS DERIVED BY SHG 104

MEMBERS

21 FAMILY STATUS AFTER JOINING 106

IN SHG

22 ECONOMIC STATUS OF THE 108

RESPONDENTS

22.1 RESPONDENT’S SATISFACTION 110

TOWARDS THEIR ECONOMIC
NEEDS
 BIBLIOGRAPHY

MAGAZINES

1. ‘Facts for you’, published by EFY, May 2009, Vol.29.

2. ‘Professional Banker’, published by The Icfai University Press,

Jan 2009, Vol.IX, issue-1.

3. ‘Professional Banker’, published by The Icfai University Press,

July 2009, Vol.IX, issue-7.

4. ‘Professional Banker’, published by The Icfai University Press,

Sep 2009, Vol.IX, issue-9.

5. ‘Professional Banker’, published by The Icfai University Press,

Dec 2009, Vol.IX, issue-12.

6. ‘Professional Banker’, published by The Icfai University Press,

Feb 2010, Vol.X, issue-2.

WEBSITES

www.sevai.org

www.gramalaya.org

www.google.com