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Social Justice

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September 24, 2018

Discuss the role of women Self Help Groups (SHGs) in transforming the rural landscape. (200 words)

Refer – Live mint

Enrich the answer from other sources, if the question demands.

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IAS Parliament 6 years

KEY POINTS

Self Help Groups (SHGs)

·         SHGs are voluntary associations of people formed to attain certain collective goals that could be economic, social or both.

·         A SHG is a small economically homogeneous affinity group of the rural poor voluntarily coming together to save small amount regularly, which are deposited in a common fund to meet members emergency needs and to provide collateral free loans decided by the group.

·         They consist of 10-15 members.

Role in transformation

·         Women suffer a vast range of socioeconomic disadvantages in India.

·         This includes being denied basic rights that range from the freedom to engage in economic activities to the right to choose their calling in life.

·         However, the access to credit through the SHG channel helps women to break through these barriers.

·         SHGs act as a powerful institution of participation and can contribute to India’s growth trajectory.

·         Women SHGs can be an avenue for achieving the goal of financial inclusion by making women’s access to the banking system easier and hassle-free.

·         By bringing women into the financial net, SHGs act as potent agents of change that go a long way in empowering them and, consequently, their families as well.

·         Financially empowered, they find themselves in a better position to assert themselves in family matters such as family planning, child education, financial investments and everything in between.

·         SHGs enhance the equality of status of women as participants, decision-makers and beneficiaries in the democratic, economic, social and cultural spheres of life.

·         SHGs have the potential to address multitude of issues such as menstrual hygiene, sanitation, domestic violence and higher education.

Road to future

·         SHGs are a realistic, viable and sustainable option for achieving rural development objectives.

·         A greater push for the creation of more SHGs in rural India is needed.

·         This will help reduce the dependence of women borrowers on informal sources of credit and help work towards their continual inclusion into the formal financial system.

Manav 6 years

Kindly review. Thanks. 

IAS Parliament 6 years

Try writing the functions of SHGs and link it with how it transforms the rural landscape. Keep writing.

Tapasvi 6 years

Kindly review

IAS Parliament 6 years

A small introduction about what is a Self Help Group and its functioning would give a nice flow to your answer. Keep writing.

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