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Table I: Cumulative Progress of SHG-Bank Linkage Programme (INR in crores)

From 2006-07 onwards, data on number of SHGs financed by banks and bank loans are inclusive of Swarnajayanti Gram Swarozgar Yojna(SGSY) SHGs and existing groups receiving repeat loans.

Source: NABARD Annual Report 2008-09

The above table shows the cumulative progress in this area with the amount of refinance assistance during the respective periods.

Disparity in the SHG-Bank linkage Programme

SHG-Bank Linkage Programme was started with the objective of extending the outreach of banking the poor, who mainly comprise the marginal farmers, landless labourers, artisans and craftsmen and others engaged in the small businesses such as vending and hawking. Now the important point is that whether the programme has really made inroads into the regions where concentration of poverty is comparatively higher. And this can be found if we compare the poverty ratio at all India level with the ratio of various regions.

Earlier, during 2004-05, the all-India poverty ratio stood at about 27.6 per cent while the Northern (15.7 per cent), North- Eastern (19.2 per cent), Southern (19.8 per cent) and Western region (25.8 per cent) had lower than the all-India poverty ratio, Central (35 per cent), and Eastern Region (36.2 per cent) had higher poverty ratios than at the all-India level. Now this variation is comparatively changed with the expansion of number of SHGs. Similarly, there has been skewed development of SHG-Bank linkage programme on geographical basis in India.

There is wide regional disparity both in terms of the spread of SHGs linked to banks and cumulative bank loans disbursed under the programme. In March 2008, while the Southern Region accounted for 48.2 per cent of the total SHGs, the share of North- Eastern Region was just 3.4 per cent as depicted in table 2. In terms of share in the total bank loans to SHGs, the region-wise differential gets further magnified.

So far, the SHG movement in the country is mostly south-centric and it is yet to take off in the real sense in other regions of India.

While the Southern Region accounted for 71.4 per cent of the total loans to SHGs, the share of North-Eastern Region was just about 1.5 per cent. For all regions excluding Southern Region, even though the share of total SHGs linked to banks was close to 51.8 per cent, their share in tota本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。