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IIMS Journal of Management Science
Year : 2011, Volume : 2, Issue : 1
First page : ( 35) Last page : ( 45)
Print ISSN : 0976-030X. Online ISSN : 0976-173X.

A Study on Self-help Group based Microfinance Impacting Poor Rural Households

Panda Debadutta Kumar, Atibudhi Hrudananda

Biographical Note: Dr. Debadutta Kumar Panda is currently working as a faculty member at Xavier Institute of Social Service (XISS), Ranchi. He has worked for development sector, corporate sector and Govt. of India; and worked on consulting & research assignments for agencies like UNDP, WFP, WWF, UNIDO, World Bank, Asian Development Bank (ADB), GVT, PPL-MART, CFMRHarvard University, Govt. of Orissa, Govt. of India and other agencies. Prof. Panda has authored a textbook on microfinance entitled “Understanding Microfinance”. E-mail: debaduttakp@gmail.com, debaximb@yahoo.co.in
Dr. Hrudananda Atibudhi is currently working as Professor & Head, Dept. of Agribusiness, OUAT, Bhubaneswar,Orissa. He had more than 50 research publications in referred journals and presented many research papers in conferences and seminars. He had undertaken many sponsored research projects from ICAR and other national & international agencies.E-mail: hnatibudhi@rediffmail.com



This paper examines empirically the impact of Self-help Group based microfinance on the socio-economic characters like income, employment, literacy and migration of the rural households of Orissa state of India. An attempt is made to carry out a quantitative study to supplement a large number of past qualitative researches, and to findout how Self-help microfinance programs impact households under different livelihood portfolios. A multi-stage stratified random sampling is employed and data collection is made through structured household schedules. Impact assessment is made by comparing a control group with the target group, and the test of significance is done through the paired t-test. Econometric models like logistic regression and probit model are used to analyse the data. The study came out with the result that the Self-help Group based microfinance has a positive impact on increasing the income, employment days and number of literate family members of the participating households; and decreased in the number of family members migrating and number of migration days. Also the Self-help Group based microfinance programmes have higher impact on households under the primary occupation of micro-enterprise & trading activity than that of the agriculture & allied activity across various household characteristics.



Microfinance, Impact, Self-help Groups.


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