SUFFiciENcy EcONOMy ANd GRASSROOtS DEvElOPMENt
SUFFiciENcy EcONOMy ANd GRASSROOtS DEvElOPMENt
SUFFiciENcy EcONOMy ANd GRASSROOtS DEvElOPMENt
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290<br />
The Meaning of Sufficiency Economy <br />
International Conference<br />
The sample study reveals that about 65% of the respondents have been the<br />
members of SHGs for 4 years followed by 28% of the respondents being the<br />
members of groups for 5 years. It is also found that about 56% of the members have<br />
accumulated savings ranging from Rs.1000 – 2000 per member and 22% of the<br />
members have accumulated more than Rs.2000. Usually the members contribute<br />
their savings before 15th of every month in the monthly meeting. But a few<br />
members are irregular in their contribution due to various reasons like inability to<br />
attend the meeting, irregular wage – income and unforeseen household expenses.<br />
But saving members constitute 100% in the sample study.<br />
Table – 4 Regularity of Savings<br />
Sl. No. Particulars Regular Irregular Total<br />
1. SHGs – promoted <br />
by NGOs of H.D.Kote Taluk<br />
2. SHGs – promoted <br />
by NGOs of K.R.Nagar Taluk<br />
3. SHGs – promoted <br />
by NGOs of Mysore Taluk<br />
Total<br />
Note: Figures given parenthesis indicate percentages.<br />
<br />
Irregular<br />
19%<br />
82 <br />
(82.00)<br />
78 <br />
(82.11)<br />
166 <br />
(80.58)<br />
326 <br />
(81.30)<br />
18 <br />
(18.00)<br />
17 <br />
(17.89)<br />
40 <br />
(19.42)<br />
75 <br />
(18.70)<br />
100 <br />
(100.00)<br />
95 <br />
(100.00)<br />
206 <br />
(100.00)<br />
401 <br />
(100.00)<br />
Regular<br />
81%<br />
Since the calculated value 21.35 is more than the table value 5.99 at 5% level<br />
Since the calculated value 21.35 is more than the table value 5.99 at 5% level<br />
and 9.21 at 1% level) the hypothesis is rejected. It is concluded that membership of<br />
and 9.21 at 1% level) the hypothesis is rejected. It is concluded that membership of<br />
SHGs is is associated with regular savings by by the the group group members.<br />
<br />
Number of Times Borrowed<br />
One of the yardsticks for the measurement of success/ failure of credit<br />
schemes is the booster or supplementary loan assistance sanctioned and disbursed by<br />
the SHGs on the satisfactory performance of the borrowers in respect of earlier loans.<br />
The group repeats loan assistance only to those borrowers who use the loan amount<br />
for the prescribed purpose and repay the installment in time and submit acceptable
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