strength for the 2012-13
Success percentage in the final examinations 90%
Number of Distinctions in final examinations & Percentages : B.A
39. B.Com 13. 46%
Faculty Achievements: MRP Undertaken 3. 1 completed . 2 on going
Important Events During the year:
1. Two day National Seminar on Role Women Entrepreneurs in Economic
Development By Department of commerce
2. Inter Collegiate Kabbaddi Tournament
3. Two Kannada plays by Jamura Amechur Club Chitradurga
4. Participation of student in Inter University Sports
5. Workshop on career guidance
Executive Summary of MRP Under taken by Prof. G.V.Kori
Under UGC XI Plan Financial Assistance
S.J.M.VIDYAPEETHA ฎ CHITHRUDURGA
S.J.M.V. B.A.J.S.S. ARTS AND COMMERCE COLLEGE FOR WOMEN RANEBENNUR -581115
DIST: - HAVERI KARNATAKA
MINOR RESEARCH PROJECT UNDER U, G, C. (XI) PLAN
PRINCIPAL INVESTIGATOR: PROF. G.V. KORI.
Title: - The Role of SHGs As A Tool of Poverty Eradication A case study
of RANEBENNUR taluka Dist Haveri. Karnataka.
OBJECTIVES OF THE STUDY:
Following are the objectives of the present study.
To examine the process of formation of Self Help Groups.
To know the socio-economic conditions of the members of SHGs.
To examine the mobilization of financial resources by Self Help Groups.
To assess the role of SHGs as a tool of poverty eradication of its
PROFILE OF THE STUDY AREA:
Ranebennur taluk is the gateway of the north Karnataka, situated on
the bank of the Tungabhadra River. The name Ranebennur is derived from
Binnur a village. This was ruled by a queen (Rani) in 1235 A.D. Thus,
in course of time, Binnor+Rani began to be called as Ranibennur. Subsequently,
it come to be known as Ranebennur. In 1791, Captain Moor described this
city as an extensive commercial city known for production and marketing
of cotton, woolen and cotton clothes. British company ruled this city
in 1800 A D. It is believed that Vijayanagar king ruled this city in
16th century. Now it is a capital city of production and marketing of
seeds and stood 2nd in Asia in Production of seeds. Ranebennur town
is taluka head quarter under Haveri district, witnessing a faster rate
of growth in the township. It is situated in the south part of the district.
Ranebennur taluk is located on 14.35 N Latitude and 75.35 east longitude.
It is situated in the southern part of the district on National highway
number 4 (NH4) connecting Poona Bangalore. It is surrounded by Hadagali
taluk of Bellary district in the north east. Harihar taluk of Davanageri
district in the south east. Hirekerur taluk in the south west and Byadagi
and Haveri taluk of Haveri district to the northwest.
STATUS OF SELF HELP GROUPS OF RANEBENNUR
Self Help Groups are called Solidarity Groups, as they provide necessary
monetary and moral support to individual members in times of difficulties.
The status of SHGs of Ranebennur taluka is solid. There are 920 SHGs
consisting 50 urban SHGs and 870 Rural SHGs. 25% of the total SHGs of
the district are working in Ranebennur taluka.
SOURCES AND METHODS OF DATA COLLECTION:
The study is based on both primary and secondary datas. The data were
collected from selected SHGs and its members. The groups and members
are selected by random sampling methods from all circles. There are
10 circles in the Ranebennur taluk. 200 members from 50 SHGs are met
and collected the information.
The primary data were collected using well prepared interview schedule.
The interview schedule included questions relating to general information
about the SHGs, members income, expenditure, savings, education, loan
schemes available to SHG members.
The secondary data were collected from the official records of SHGs,
annual reports of the government departments, banks, books, journals,
articles and other published reports. In addition, the secondary data
were also collected from departments of Statistics, Department of Women
and child welfare. Haveri and Ranebennur.
Based on the analysis of data and field survey, the following findings
are recorded by the principal investigator.
Food products, dairy tailoring, agarabatti making, group leaf plate
making etc,. have proved to be most viable economic activities of members
of SHGs in the study area.
Most predominant micro enterprise run by SHGs in the study area are
petty business. Because where the owner herself can do the most of work
without any dependence on other members.
The next to petty business it was dairy and food products .because
they can concentrate on local needs and requirements
Reduced dependence on money lenders
There has been cent-percent recovery of loans given to the members
The income of the members has gradually been increasing
The number of women inclined towards SHG is increasing, especially
younger generation shows active participation which implies that women
are aspiring for equality, self confidence and self respect.
It is observed that SHGs have helped in creating awareness about importance
of education of children, avoiding child marriages, health and hygiene.
One member of HALAGERI VILLAGE smt Pushpa kubusad said that she was
worried about their children education before joining SHG. But on becoming
member of SHG she took loan from SHG and met the education expenses
of her children. Now all the three children are graduates. In this regard
she expressed her gratitude to SHG.
It is noted that 80% of the members have developed the art of interaction.
Poor rural women micro entrepreneurs lack necessary marketing skill.
They are ready to manufacture but the problem is of marketing.
Domination of group leaders has affected the growth of some SHGs in
the study area.
Lack of infrastructural facilities
There is smell of political interference in SHGs
Poor post linkage follow up by bankers and others
Promoted the habit of savings among the rural poor women.
On thorough study the investigator would like to suggest the following:
Disputes among the members and domination of leaders obstructed the
smooth functioning of the SHGs. Hence the officials who are working
as advisors should undertake counseling activities to gain the co-operation
and co- ordination of members.
The members who are competent and capable of carrying out useful activities
should be given adequate financial assistance on the basis of feasibility
of the project.
Visits to the successful micro-enterprises of the same nature would
have a greater impact on the quality of the products produced by the
The members have to be given not only initial capital but also to
be helped in marketing their products. Because marketing is one of the
significant ingredients for the success of the enterprise.
In order to improve the sustainability of the SHGs government should
fix assured prices for the branded products of SHGs.
Politicians and government should not use the members of SHGs as vote
Arrangements should be made by the government to impart various types
of training and guidance to update the knowledge of the members of SHGS.
The husbands of members should be motivated to allow their wives to
take active participation in SHGs programme. Because participation of
all members is very important for the overall development of SHGs.
It is suggested to increase the limit of loan amount to stop the members
approaching the money lenders.
10)The members of all the SHGs need to undergo the training programme
relating to accounting. In this regard local college commerce department
s faculty help may be taken.
CONTRIBUTION OF THE STUDY TO THE SOCIETY:
The present study is undertaken to contribute something to the society.
The following are some contribution of the study to the society.
The present study helps the Society to know the importance of SHGs
in the eradication of rural poverty.
It made Society to believe that SHGs helps in the empowerment of women.
Society learnt a lesson that if women moves nation also moves towards
It is proved that small and cottage industries can be developed through
SHGs contributed in improving the quality of lives of the poor which
in turn improves the health of the society.
CONCLUSION: Eradication of poverty is a long term goal. It is incorrect
to say that all the poverty eradication programmes have failed. The
increasing empowerment of women through SHGs has contributed much to
the eradication of poverty in India. Women SHGs are novel organizations
at gross root level to bring a socio-economic transformation to women
of India. As a medium for social action, SHG movement in India , through
financial intermediation, may in time play an important role in the
reduction of poverty. With appropriate market support strategies, the
members could effectively build enterprises as a source of their employment
and income. Financial sources if effectively delivered to women, may
help them make a meaningful improvement in their economic and social
condition and reduce gender inequality in the rural areas . The SHGs
may yield desire results, if proper care is taken.