Mobilization of Personal Savings among Microfinance- Participating Households: A Survey in West Bengal, India

Amit Kundu

Journal of Rural Cooperation, 2013, vol. 41, issue 2, 17

Abstract: This paper attempts to assess whether participation in a microfinance program helps households generate personal savings, as distinct from savings through compulsory contributions to the program. We consider a microfinance program initiated by the Government of India (the SGSY scheme), which is operated under a joint liability credit system that requires formation of Self-Help Groups (SHG). The empirical design relies on two samples of respondents: a “treatment group” of households participating in the microfinance program and a “control group” of non-participating households of similar characteristics. Using data collected at two points in time (April-July 2004 baseline and September-December 2009 endline), we show that although income increases more in treatment-group households, the increase in personal savings of the microfinance-participating households over the study period is less than for the non-participating households.

Keywords: Consumer/Household; Economics (search for similar items in EconPapers)
Date: 2013
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Working Paper: Mobilization of Personal Savings among Microfinance-Participating Households: A Survey in West Bengal, India (2013)
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Persistent link: https://EconPapers.repec.org/RePEc:ags:jlorco:249699

DOI: 10.22004/ag.econ.249699

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