Microfinance Impact on Socio-Economic Empowerment: A special Reference to Andhra Pradesh

L.Vachya and B.Kamaiah
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L.Vachya: School of Economics, University of Hyderabad, Hyderabad, India
B.Kamaiah: School of Economics, University of Hyderabad, Hyderabad, India

International Journal of Finance & Banking Studies, 2015, vol. 4, issue 1, 51-69

Abstract: The present study seeks to examine the role of microfinance and its impact on economic and social empowerment of women. The study used multi-stage stratified proportionate random sampling technique in the selection of the representative district, mandal/taluka, villages and households. Empirically acclaimed logistic regression model has been employed for analyzing significant impact of plausible socio-economic factors on women empowerment. The study found that the socio-economic indicators have undergone significant changes. It also emerged that there has been an increase in women participation in the household decision making process. The study suggests that the government should prepare suitable plans and programmes for the social and economic empowerment of women. The study also suggests that policy measures such as increase in frequency of SHG meeting, SHG training programme, increase in loan amount and ensuring effective utilization of the loan, may be the useful initiatives to enhancewomen empowerment, income and employment opportunities.

Keywords: Microfinance; Self Help Group-Bank Linkage Programme; Women Empowerment; Decision Making (search for similar items in EconPapers)
Date: 2015
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