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

Amit Kundu

MPRA Paper from University Library of Munich, Germany

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 2004baseline 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: Microfinance; Savings; Policy Evaluation; Self-Help Groups; SGSY (search for similar items in EconPapers)
JEL-codes: C93 G21 O16 R20 (search for similar items in EconPapers)
Date: 2013-02-11, Revised 2013-08-12
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Published in Journal of Rural Cooperation No.2 2013.41(2013): pp. 199-214

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Journal Article: Mobilization of Personal Savings among Microfinance- Participating Households: A Survey in West Bengal, India (2013)
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