MOTIVATIONAL FACTORS AND UTILIZATION PATTERN OF LOAN BY SELF HELP GROUP MEMBERS

M.K. BARIYA¹*, P.R. KANANI², N.B. JADAV³, B.N. KALSARIYA^4
1 Krishi Vigyan Kendra, Pipalia, Dhoraji, Junagadh Agricultural University, Junagadh, Gujarat 362001
²Department of Agricultural Extension, College of Agriculture, Junagadh Agricultural University, Junagadh, Gujarat 362001
³Krishi Vigyan Kendra, Pipalia, Dhoraji, Junagadh Agricultural University, Junagadh, Gujarat 362001
⁴Department of Agricultural Extension, College of Agriculture, Junagadh Agricultural University, Junagadh, Gujarat 362001
* Corresponding Author : minaxibariya@gmail.com

Received : 12-04-2016     Accepted : 24-04-2016     Published : 07-08-2016
Volume : 8     Issue : 27       Pages : 1568 - 1570
Int J Agr Sci 8.27 (2016):1568-1570

Keywords : Self help groups, Empowerment, Motivational Factors, Loan pattern
Academic Editor : Dr Basa Swaminath
Conflict of Interest : None declared
Acknowledgements/Funding : None declared
Author Contribution : None declared

Self-help groups play a tremendous role in empowering women through providing an excellent platform to improve the self- confidence, leadership, communication skills, decision making capacity, social recognition, standard of living etc. The present study is based on an empirical survey of 10 self help group in 5 talukas of Amreli district of Gujarat state covering 90 members (9 members from each SHG) with a focus on two major aspects of SHGs viz., motivational factors for joining the SHG and the utilization pattern of loan . The study resulted that major motivational factor for joining the SHG were; in case of awareness building and status building; all the women had motive to generate income and self reliance; among NGO development, majority women (92.22 per cent) motivated by other self help groups; related to media concerned 75.56 per cent women motivated through television and with respect to personal & institutional concern majority (95.56 per cent) women were motivated through extension workers. In case of loan utilization pattern by the SHG members, most of them (92.50 per cent) utilized the loan for regular household expenditure followed by education of children (55.50 per cent).